Can I Withdraw Money From Chase Without My Debit Card

If you're one of the majority of people who still carry a wallet, you may have wondered why you still need to lug it around in the smartphone era.

While mobile-based payments have been slow to catch on, people are using cash less, eliminating one of the main reasons for carrying a wallet. In an effort to slim down, many have turned to card cases or smartphone wallets. Each can accommodate a few essentials, including a driver's license, a credit card, and a debit card.

But those slimmed-down versions of wallets too may also be marked for obsolescence. Thanks to digitization, we are entering an era in which carrying a physical wallet is optional. The latest reason: Chase's smartphone wallet-based Cardless ATM Access.

How It Works

Chase has been a pioneer in cardless ATM access. The financial services giant introduced the technology in the U.S. in 2016, in thousands of ATMs and later that year began rolling out NFC-equipped ATMs. At this writing, such ATMs are now available at most Chase ATMs.

Cardless ATM Access uses NFC (Near Field Communication), a technology that employs radio waves to send data. Bluetooth and Wi-Fi do as well, so NFC is another protocol for such transmission. One difference is that only NFC can also send electrical currents, but not enough to charge a smartphone. The technology is standard in smartphones now and underpins Apple Pay, Google Pay, and Samsung Pay.

Users can tap those payment systems to allow their phones to access ATMs via cardless ATM Access. The first step is to add your card to the mobile wallet, which you can do via the Chase Mobile® app. Next, look for the Cardless symbol (which looks like an illustration of radio waves) and tap it with your phone. After that, you enter your PIN on the ATM as usual.

The Evolution of the Wallet

Along with drinking coffee and driving a car, carrying a wallet is a rite of passage and a signal that a teen has become an adult. This, at least, is how wallets are seen in Western culture. The word wallet dates back to Chaucer's Canterbury Tales in the 14th century, but Rebecca Lee Spang, a history professor with the Indiana University Bloomington, said that wallet at the time meant a bundle stocked with essential possessions.

It wasn't until the 19th century that we began using the current definition of wallet, she said. That use dovetailed with the widespread use of paper money instead of coins. The concept of a wallet merged with the French equivalent, the portefueuille, a cache of important papers from which we derive the word portfolio.

Spang said that over time, carrying a wallet has become more onerous for men. Women carry pocketbooks anyway, so adding a wallet isn't a big deal. But men tend to put their wallets in their back pockets, stressing their spines and hurting their backs. "My chiropractor scolds my husband all the time not to do that," she said.

The Next Step in Our Wallet-less Evolution

In the U.S., most people still carry a wallet, but that's not the case everywhere. In some countries, like China, many consumers use their smartphones as a wallet. In 2016, Chinese consumers logged $1.85 trillion in mobile-based payments. In China, it's possible to do everything from order a meal to rent a bike to order a cab via your smartphone. (In some parts of China, you can also make payments merely by smiling, thanks to facial recognition.)

In the U.S., the need to have identification to do things like rent cars or visit a doctor make carrying some form of a wallet a necessity, as a WIRED writer discovered in 2012.

That's changing. Several states are switching to digital driver's licenses, providing one more reason to ditch your wallet. This innovation from Chase provides another. When combined with a smartphone-based lock for your home, you really could use your smartphone as a remote control for life.

However, some people will likely continue to carry wallets. Spang noted that top menswear brands still feature several leather wallet designs that function as much as fashion accessories as traditional carrying cases. "Think about how trendy vinyl records are again," she said. "There will be a sort of hipster thing about carrying a wallet."

This article was produced by Wired Brand Lab for Chase.

Cardless ATM access can be used for Chase consumer debit cards (excluding CPC Privileges card), business debit cards (excluding Business Associate cards) and Chase Liquid ^® cards added to Apple Pay ^® , Google Pay ^™ , or Samsung Pay.

Use at Chase ATMs where you see the Cardless symbol.

Apple, the Apple logo, Apple Pay, iPhone, iPad, Apple Watch and Touch ID are trademarks of Apple Inc., registered in the U.S. and other countries.

Google Pay and the Google Pay Logo are trademarks of Google Inc. Google Pay works on Android devices running Android Lollipop 5.0 or above.

Samsung and Samsung Pay are trademarks or registered trademarks of Samsung Electronics Co., Ltd. Use only in accordance with law. Screen images are simulated; actual appearance may vary. Samsung Pay is available on select Samsung devices.

The Contactless Symbol is a trademark owned by and used with permission of EMVCo, LLC.

Debit cards issued by JPMorgan Chase Bank, N.A. Member FDIC

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