Banks use a two-step verification to make sure your transactions are secure. For example, your bank may require you to log in to its official mobile app and enter a passcode at the ATM before you can withdraw funds. Or, it may require you to load your debit card into a digital wallet that uses near-field communications (NFC) and your PIN to verify the transaction. Either way, these two measures typically make it safer to use a cardless ATM over a traditional one because it eliminates the threat of skimming devices.