While walking her dog one evening in San Francisco, Melinda Hickman suddenly realized two things. She needed to get cash to pay her house cleaner the next morning — and her bank card was back at home in her wallet. Unfazed, Hickman signed in to the Wells Fargo app on her smartphone. After a few taps, the app generated an eight-digit code. At a nearby ATM, she punched in the code and her PIN and was able to withdraw the money.
“It was simple and convenient,” she recalls. And because no swipe was involved, the transaction was more secure than a standard withdrawal.
