The first major U.S. bank to offer card free ATM is Wells Fargo. In this the customers can simply use their mobile phones to access the bank's ATM's. The process is very simple. They need to download the app, login to their accounts and request for a unique verification code which they must type in and thereafter they should put their PIN number. This is a very secure process as the PIN expires in 30 minutes. The customer also requires to login to their account either using a thumb scanner or online banking password. Read more at: http://www.dailyherald.com/article/20170402/business/170409979/