“The feature is activated using a mobile phone’s mobile wallet feature. Today, more than 40% of Wells Fargo ATMs have functioning NFC capability, with the goal of upgrading the rest of the company’s more than 13,000 ATMs with the hardware by 2019. Customers can already access any Wells Fargo ATM without a physical card by generating a one-time access code through their Wells Fargo Mobile® Banking app. With the launch of one-time access code in March 2017, Wells Fargo became the first large bank in the US with an entire fleet of card-free ATMs.”