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ARC of Delaware County: ClosedAcademy at Rensselaer Education Ctr: Delayed 2 HrsAchievements & Kids Express Mplwood: Delayed 2 Hrs, no before careAchievements St Kateri Tekakwitha: Delayed 2 HrsAchievements and Kids Express TBGC: Delayed 2 HrsAesthetic Science Institute: Delayed 2 Hrs, Classes will begin at 11 amAlbany Law School: Delayed 2 Hrs, All classes starting before 11 am are cancelled Staff report at 10:30 amAlbany Leadership Charter High: Delayed 2 HrsAlbany Pine Bush Discovery Center: Delayed 1 Hr, No AM Pre-K, Classes will still run, The Discovery Center will open at 10 am to the public. Morning classes scheduled to start at 10 will still start at 10.Albany Public Library: Delayed, No Morning Classes, All locations open at noonAmbleside School: Delayed 2 Hrs, All School Luncheon remains on scheduleAmsterdam City SD: Delayed 2 Hrs, No AM BOCES, No BreakfastAmsterdam Head Start: Delayed 2 Hrs, Staff ReportAn Nur Islamic School: Delayed 2 Hrs, Building opens at 8:30.Andes CSD: Delayed 3 HrsArlington SD: Delayed 2 Hrs, Delay 2 Hours ALL JISP CANCELLEDBArT Charter Public School: Closed, Full-year staff reportBallston Spa CSD: Delayed 2 HrsBattenkill Community Services: ClosedBennington College: Delayed Until 10a, Essential staff report as normalBerkshire County Head Start@Conte: Closed, No AM Head StartBerkshire Hills Regional SD: Delayed 2 HrsBerne-Knox-Westerlo CSD: Delayed 2 Hrs, No AM Pre-K, No AM BOCES, No BreakfastBethlehem CSD: Delayed 2 Hrs, No AM BOCESBlessed Sacrament School: Delayed 2 Hrs, No After-School Programs, No After School Events, Regular DismissalBoght Montessori: Delayed 2 HrsBrite Beginnings Day Care & Dev Ctr: Delayed 2 HrsBrown School: Delayed 2 Hrs, No Morning PLUS ProgramBrunswick Center Services: Open, Buses on Snow RoutesBrunswick Community Library: ClosedBurnt Hills-Ballston Lake CSD: Delayed 2 Hrs, No AM BOCES, 2-hr delay (Final) HS students check email for exam scheduleBurr & Burton Academy: Delayed 2 HrsButterfly Dreams Daycare: Delayed 2 Hrs, Daycare will open at 9;30amCEO Head Start (Rensselaer County): Delayed, All CEO programs and sites delayed until 10:00amCOARC Adult Transportation: Open, Staff Rpt, No TransCapital Milestones Child Care: Delayed 2 HrsCapital Reg Career & Tech (Albany): Delayed 2 Hrs, No AM BOCES, No AM BOCES, No AM classesCatholic Schools Office: Delayed 2 Hrs, Principals Meeting at 10:30Childhood Friends Inc.: Delayed 2 Hrs, We will open at 9amChrist the King Church: Closed, No morning Daily Mass. Parish Office opens at 11 a.m.Christ the King Early Childhood Ctr: Delayed 2 HrsCircle Of Friends (Delmar): Delayed 2 Hrs, Wrap around two hour delayClifton Park Nursery School: Delayed 1 HrCobleskill-Richmondville CSD: Delayed 2 Hrs, No AM Pre-K, No AM BOCESCohoes City SD: Delayed 2 Hrs, No AM K, No AM BOCES, No Breakfast, CDTA buses running on Delay schedule - 9:30 amCohoes Community Center, Inc.: Delayed Until 9a, /Day Care delayed until 9am /No AM care at elem schoolsColonie Youth Centers: Open, No AM ProgramColumbia Co Nutrition Pg (Philmont): Closed, Staff ReportColumbia-Greene Comm College: Delayed, No Day Classes, The College will open at 4:00 pm.Columbia-Greene FCU: Delayed 3 Hrs, Opening at NoonCongregation Gates of Heaven: Open, Senior Moments Cancelled Rescheduled for Jan. 24Corinth CSD: Delayed 2 Hrs, No AM BOCESCrossFit Schenectady: Delayed, No morning classesCrossroads Center for Children: Delayed 2 HrsDiscovery Place Learning Center: ClosedDoane Stuart School: Closed, NO Snow CampDoors of Hope: ClosedDuanesburg CSD: Delayed 2 Hrs, No AM BOCESDutchess Community College: Delayed Until 5p, No Day Classes, Opening at 5 pm for evening classes. Student Services offices open 5 - 7 pm.EOC (Capital District): Delayed 2 Hrs, School closed until 10 a.m. staff/sudents report at 10Early Childhood Education Center: Delayed 2 HrsEast Greenbush Community Library: Delayed Until 11a, Storytimes cancelledEco Baby Daycare & Preschool: Delayed Until 9aEddy Senior Care: Open, Schenectady Center is open Buses may be lateEmma Willard School: Delayed 2 HrsExcelsior College: Delayed 1 HrFirst Friends Nursery School: Delayed, No AM Program, Enrichment program begins at 11:30amGalway CSD: Delayed 2 Hrs, No BreakfastGateway Community Industries: Open, No Transportation, GCI open,trans cancelled SNP meals/cong.sites cancel PROS cancelled,Staff report, GCI is open but transportation is cancelled. Staff report., The Ulster County Office of the aging home delivered meals service and congregated sites are cancelled for today. , PROS is cancelled. Staff report. , Germantown CSD: Closed, Office staff report at noonGood Ground Christian School: Delayed 2 Hrs, Opening at 9:30Grace Chapel of Clifton Park: Open, All groups cancelled.Green Island UFSD: Delayed 2 Hrs, No Breakfast, School opens at 9:40Green Tech High Charter School: Delayed 2 HrsGreene County Nutrition Program: Closed, No TransportationGreene County Transit: Closed, No Transportation, all buses cancelledGreenwich CSD: Delayed 2 Hrs, No AM BOCESGuilderland CSD: Delayed 2 Hrs, No AM BOCESHVCC: Delayed 2 Hrs, School closed until 10 am. staff and students report at 10 amHead Start - Adams: Closed, No AM Head StartHead Start - Lee: Delayed 2 Hrs, No TransHead Start @ Becket/Washington: Closed, No AM Head StartHead Start @ Johnson - North Adams: Open, No AM Head Start, No Transportation, Childcare OpenHead Start @ Meadow Lane Pittsfield: Open, No AM Head Start, No Transportation, Childcare OpenHead Start @ Muddy Brook - GB: Open, No AM Head Start, No Transportation, Childcare OpenHebrew Academy - Capital District: Delayed 2 HrsHelping Hands Pre-School: Delayed, No AM Pre-SchoolHenry Johnson Charter School: Open, No Aft-Sch PgmHoosic Valley CSD: Delayed 2 HrsHope 7 Community Center: Open, for after school, Food Pantry Open 9:30-11:45aHopeClub: Delayed 3 Hrs, No Morning Classes, Opening at noon, Opens at noon. Hudson City SD: Closed, Offices now cosed Board Meeting as scheduledHunter-Tannersville CSD: Closed, No AM BOCESJefferson CSD: Delayed 2 HrsJohn Paolo's-Ballston Spa: ClosedKid Kampus: Delayed 2 Hrs, Opening at 8:30AMKiddie Academy II: Delayed 2 HrsKiddie Academy of Albany: Delayed 2 HrsKidsFirst Childcare Center: Delayed 2 HrsKinderhook Memorial Library: Delayed 2 Hrs, Library will open at noon.Latham Christian Academy: Delayed 2 Hrs, No AM KLee Public Schools: Delayed 2 HrsLenox Public Schools: Delayed 2 HrsLife Kids Before/ After School: Open, No AM ProgramLifeSong Inc (Saratoga): Delayed 2 Hrs, Staff ReportLifeSong Inc (Schenectady): Delayed 2 Hrs, Staff ReportLifeSong Inc. (Albany): Delayed 2 Hrs, Staff ReportLifeSong Inc. (Rensselaer): Delayed 2 Hrs, Staff ReportLil Peeps Preschool: Open, 10am-2pm No TransportationLil' Lambs Christian Daycare Inc.: Delayed 2 HrsLiving Res DCOP (Rensselaer): Delayed 1 HrLiving Res DCOP (Saratoga): Delayed 1 HrLong Trail School: Delayed 2 HrsLoudonville Christian School: Delayed 2 HrsMacedonia Baptist Church (Albany): Closed, No Adult Education, Bible Study is CanceledMalta Montessori School: Delayed 2 Hrs, No AM Pre-K, No toddler programMargaretville CSD: Delayed 3 HrsMass. College of Liberal Arts: Delayed Until 10aMechanicville City SD: Delayed 2 HrsMekeel Christian Academy: Delayed 2 Hrs, No AM Pre-SchoolMenands UFSD: Delayed 2 Hrs, No BreakfastMetropolitan NTM Baptist Church: Closed, All activities cancelled.Mid-America Baptist Seminary: Delayed 2 HrsMiddleburgh CSD: Delayed 2 Hrs, No AM Pre-K, No AM BOCES, No Breakfast, One Hour Early DismissalMilford CSD: Delayed 2 HrsMohonasen CSD: Delayed 2 Hrs, No AM BOCESMontessori School (Schenectady): Delayed, No AM Program, Early care open at 11.Morning Star Baptist Church: Closed, 6pm Bible Study is cancelledMother Teresa Academy: Delayed 2 Hrs, No AM Pgm, No morning care Doors open at 9:45Mrs. Puddle Duck's Childcare: Delayed 2 Hrs, Opening at 9:00 amMyers Education Center: Delayed 2 HrsNassau Free Library: Delayed Until 2p, No AM Pgm, No Morning Classes, No Story TimeNewmeadow at Clifton Park: Delayed 2 HrsNewmeadow at Fort Edward: Open, Upstate Trans delayed 2 hrsNiskayuna CSD: Delayed 2 Hrs, No AM BOCESNorth Colonie CSD: Delayed 2 Hrs, Check website/email for SHS exam scheduleNortheast Parent & Child Society: Open, Staff Rpt, No TransNortheastern Baptist College: ClosedNorthern Berkshire Voc SD: Closed, No After Sch EventsNotre Dame-Bishop Gibbons: Delayed 2 HrsOak Hill School: Delayed 2 HrsOakwood Christian School: Delayed 2 HrsOhav Shalom Nursery School: Delayed, No AM Pre-School, No AM Program, opening at 9:30 all staff report at 9:00One Love Preschool: Delayed 2 HrsOrlo School of Hair Design: ClosedOtego-Unadilla CSD: Delayed 2 HrsOur Savior's Lutheran School: Delayed 2 Hrs, No AM K, No AM Pre-School, No LaunchpadOur World Montessori: Delayed 2 Hrs, Open at 10:45 a.m.Parsons Early Head Start Day Care: Delayed 2 Hrs, Staff report by 9Parsons Early Learning Center: Delayed 2 Hrs, Staff in by 9Pine Cobble School: Delayed 2 HrsPineview Comm Church Pre-School: Delayed 2 Hrs, No Breakfast, opening at 9:30Pumpkin Patch (Albany): Delayed 2 HrsQuestar III BOCES - Sarah's Sisters: Delayed 2 HrsQuestar III Columbia-Green Ed Ctr: Closed, New Visions open house will be rescheduled to tomorrow night, Thursday, 1/18.Questar III Rensselaer Academy: Delayed 2 HrsQuestar III Rensselaer Edu Ctr: Delayed 2 Hrs, No AM BOCES, Q3 New Vision is closedReadsboro Central School: Delayed 2 HrsRedemption Christian Academy: Delayed 2 HrsRensselaer City SD: Delayed 2 HrsRensselaer Public Library: Delayed 1 HrRichmond Consolidated: Delayed 2 HrsRiverside Enterprises: Open, Buses on Snow RoutesRoeliff Jansen Community Library: ClosedRoots and Wings Montessori: Delayed 1-1/2 Hrs, Open at 9am no before careRosa Venerini Early Childhood Cente: Delayed 2 Hrs, Before Care Cancelled Doors Open at 9Roxbury CSD: Delayed 2 HrsSUNY New Paltz: Delayed 3 Hrs, Offices will open at 10:45, Offices will open at 10:45 a.m.SW Vermont Career Dev Ctr: ClosedSage Colleges (Troy & Albany): Delayed 2 Hrs, Classes begin at 11 amSaratoga Central Catholic HS: Delayed 2 HrsSaratoga County Senior Meals: ClosedSaratoga Independent School: Delayed 2 Hrs, No Before Care or AM Pre-KSaratoga Springs City SD: Delayed 2 Hrs, No AM BOCESSchalmont CSD: Delayed 2 Hrs, No AM BOCES, No BreakfastSchenectady City SD: Delayed 2 Hrs, No AM Pre-K, No AM BOCESSchenectady County ARC: Open, Buses on Snow RoutesSchenectady InnerCtyMin Food Pantry: Closed, Staff Report, Food Pantry is closed. Will reopen Thurs, Jan 18.Schenectady Jewish CC: Delayed, Early Childhood Education will open at 8:30 amSchoharie CSD: Delayed 2 HrsSchoharie Career and Technical Scho: Delayed 2 Hrs, No AM BOCESSchoharie County Com. Action Prg.: Delayed 2 Hrs, Opening at 10:00 AM.Schoharie Cty Child Dvp Cobleskill: Delayed 2 HrsSchoharie Cty HeadStart (Schoharie): Delayed 2 HrsSchool's Out, Inc.: Closed, No AM ProgramSchools Out Childrens Center LLC: Open, 6am - 2pm no transportationSchuylerville CSD: Delayed 2 Hrs, No AM BOCES, No BreakfastScotia-Glenville CSD: Delayed 2 Hrs, No AM BOCES, No BreakfastShaftsbury Early Childhood Center: Open, 10am-2pm No TransportationSharon Springs CSD: Delayed 2 Hrs, No AM BOCES, No BreakfastShenendehowa CSD: Delayed 2 Hrs, No AM K, No AM BOCESShooting Stars Nursery & After Sch.: Delayed 2 Hrs, No AM Pre-SchoolSkidmore Early Childhood Center: Delayed, No AM Pre-SchoolSouth Colonie CSD: Delayed 2 Hrs, No AM Pre-K, No AM BOCESSouthern Berkshire Regional SD: Closed, No Aft-Sch Pgm, No PM Activities, No After School EventsSouthern Vermont College: ClosedSouthwest Vermont SU: ClosedSpa Christian School: Delayed 2 Hrs, No AM K, No AM Pre-SchoolSpotted Zebra Learning Center: Delayed 2 HrsSt Ambrose School: Delayed 2 Hrs, No AM PgmSt Catherine's May School: Delayed 2 Hrs, No BreakfastSt Clement's Regional Catholic Sch: Delayed 2 HrsSt Edward's Church: Closed, No 9am Mass No daytime eventsSt George's School: Delayed 2 Hrs, No AM Pre-School, AEP begins at 11:30 amSt Kateri Tekakwitha School: Delayed 2 Hrs, No Breakfast, No Before Care. School doors open at 10:00 am.St Madeleine Sophie Pre-School: Delayed 2 HrsSt Madeleine Sophie School: Delayed 2 HrsSt Mary's Institute ES (Amsterdam): Delayed 2 Hrs, No AM Pre-K, No BreakfastSt Mary's School (Ballston Spa): Delayed 2 Hrs, No AM Pre-School, Before Care Opens at 8:00amSt Pius X School: Delayed 2 Hrs, No AM Pre-KSt Stephen's Pre-K Acad (Delmar): Closed, No AM Pre-K, No AM Pre-K; Enrichments still on in the afternoonSt Thomas the Apostle School: Delayed 2 Hrs, No AM Pre-KStepping Stone Pre & DCC (Albany): Delayed 2 Hrs, Open at 9:00Stillwater CSD: Delayed 2 Hrs, FinalSunnyside Center Day Care: Delayed 2 Hrs, Day Care open at 9am. All staff report at 9am.Sunshine Kids Corner: Delayed 2 Hrs, Opening at 9 amSusan Odell Taylor School: Delayed 2 HrsTech Valley High School: Delayed 2 HrsThe Albany Academies (AA & AAG): Closed, Check web later for athleticsThe Beagle School: Delayed, No AM Program, PM Class OpenThe Children's Museum at Saratoga: Delayed 2 HrsTown of Ballston Community Library: Delayed 2 Hrs, Library will open at 12pm; Morning programs canceledTroy City SD: Delayed 2 HrsTroy Prep: Delayed 2 HrsTroy Public Library: Delayed 3 Hrs, The library will open at 12:00 pm today. Twin County Recovery Services, Inc.: Closed, No groups or appointmentsTwin Valley Elementary School: Delayed 2 HrsTwin Valley Middle High School: Delayed 2 HrsUlster County Community College: Delayed 2 Hrs, Employee code orangeUlster-Greene ARC (Catskill): Open, No Transportation, transportation cancelledUlster-Greene ARC (Kingston): Open, No Transportation, All Classes Cancelled, Kingston Transportation Cancelled Training Center Cancelled, Kingston Transportation Canceled., Rosendale Training Center classes Cancelled. , , Unity Sunshine Program: Delayed 2 Hrs, No AM Pgm, Day Care Open, Special Ed delayed 2 hours. UPK delayed 2 hours. at A Child's PlaceUpstate Transit: Delayed 2 Hrs, School DivisionVillage Of Colonie Senior Center: ClosedVoorheesville CSD: Delayed 2 Hrs, No AM BOCES No BreakfastWWAARC—Albany & Queensbury: Open, Albany Location on Snow Routes; Queensbury Location normal routineWaldorf School (Saratoga Springs): Delayed 2 Hrs, 2 Day PreK begins at 10:30Warrensburg CSD: Delayed 2 Hrs, No AM Pre-K, No AM BOCES, No AM Head Start, No BrkfstWashington County EOC: Open, Cambridge HeadStart delayed 2 hours, No AM transportWaterford-Halfmoon UFSD: Delayed 2 Hrs, No BreakfastWatervliet City SD: Delayed 2 HrsWhispering Pines (Cobleskill): Delayed 2 HrsWhispering Pines - Schoharie UPK: Delayed 2 HrsWhispering Pines Pre Sc (Amsterdam): Delayed 2 Hrs, No AM Pre-School, No morning Toddler Program No morning wrap aroundWhispering Pines Pre-sch (Delanson): Delayed 2 Hrs, No AM Pre-School, No Toddler ProgramWilton Baptist Academy: Delayed 2 Hrs, No AM KYMCA (Bethlehem): Open, No Morning ClassesYMCA (East Greenbush): Open, No Morning Classes, Or programs, Child watch Opens at 9am, Snow Day Program opens at 8amYMCA (Greater Glenville): Open, No programs until noon. No AM Childwatch.YMCA (Guilderland): Open, No AM Pre-School, No Morning Classes, No AM branch childwatchYMCA (Schenectady): Open, No Morning Classes, Child Watch Closed for AM Classes Cancelled til NoonYMCA (Troy): Open, No Morning Classes, Or programs, No Child WatchYMCA Duanesburg: Open, No Morning Classes, No morning child watchYMCA Greene County Branch: Open, No Morning ClassesYMCA Southern Saratoga: Open, No Morning Classes

Banks shift from plastic to phones at ATMs

Banks shift from plastic to phones at ATMs

Any new financial technology brings with it new security holes
Banks shift from plastic to phones at ATMs
A customer uses her smartphone and an ATM to do banking transactions at the Bank of America Tower in Manhattan on Jan. 27, 2017.
Photographer: James Estrin/The New York Times

Wallets can be lost, stolen or forgotten, but most people today would not be caught dead without their phones.

Banks understand, and are grabbing on to that trend. Customers who do not want to fumble around in their wallet for their ATM card — or who have misplaced it for the umpteenth time — will soon be able to unlock cash dispensers’ coffers by using their phone.

JPMorgan Chase, which has more ATMs in the United States — 18,000 — than any other bank, has activated this technology on a few hundred machines in four test cities, including Miami and San Francisco. Six thousand more are upgraded and ready to go.

Bank of America and Wells Fargo plan to introduce cardless options to all their machines by the end of the year. And while swiping an ATM card may not exactly seem onerous, bankers think going card-free will be a hit with consumers.

“It’s about having the choice,” said Jonathan Velline, Wells Fargo’s head of ATM and branch banking. “If you’ve lost your card or left home without your wallet, chances are you still have your smartphone in your hand.”

But of course, any new financial technology brings with it new security holes.

For decades banks have battled “skimming,” in which criminals sabotage ATMs to steal the information off a card and use it to clear out people’s accounts. The replacement of magnetic stripe cards with chip cards significantly reduced that problem, but mobile access brings in new worries.

One Chase customer recently had $2,900 stolen from her account through the bank’s new cardless system — which she had never used. A thief got her online banking user name and password, installed Chase’s mobile app on his or her phone, and used it to withdraw cash. Unlike most cardless systems, Chase’s does not require customers to enter their four-digit PIN at the cash machine.

Chase refunded the customer’s lost money and immediately made security changes. “We’ve put safeguards in place to protect our customers,” said Michael Fusco, a Chase spokesman. The bank’s system still does not require PINs, but Chase is confident it can detect and prevent similar attacks, he said.

Other banks have fared better, and say their fraud rates on mobile ATM transactions are significantly lower than those for traditional card-swipe withdrawals.

Wintrust Financial, which operates community banks in Illinois and Wisconsin, added cardless access to all its 250 cash machines nearly three years ago. Thanks to multiple layers of security, there has been no fraud so far, said Thomas P. Ormseth, a senior vice president at the bank. (“Knock on wood,” he added.)

How the mobile systems work varies from bank to bank — and sometimes, even within one bank.

Most of the major banks are using a technology called near-field communications (known as NFC), which enables devices to exchange information wirelessly over short distances. Modern smartphones usually contain an NFC chip, which is used for many mobile payment systems, including Apple Pay and Android Pay.

At Bank of America, customers with compatible phones and a digital wallet app can tap their phone on the cash machine’s wireless pad to authenticate their identity. From there, customers enter their personal identification numbers and carry out transactions in the usual way.

Wells Fargo is also testing NFC and adding the hardware it requires to all of its cash machines. But in the meantime, it has a simpler approach: one-time access codes. Customers can log in to Wells Fargo’s mobile app and request one, which is good for 30 minutes. At the 900 Wells Fargo ATMs that are set up to accept the codes so far, the customer types in the code and then their PIN to withdraw cash.

Mobile ATM transactions are usually at least a little bit faster than traditional ones, banks say — sometimes significantly so. Wintrust’s system, which lets customers set up their withdrawal in advance on their phone and simply scan a QR (quick response) code when they get to the machine to get their cash, cut its average transaction time to about 10 seconds from 45, Ormseth said. Around 17 percent of the bank’s customers have used the technology at least once.

Some banks have gone further and let customers ditch even their phones. With biometrics, a unique body part is enough to unlock cash.

At Banco Bradesco, one of Brazil’s largest banks, customers can gain access to an ATM by tapping their palm on a scanner, which reads the pattern of their veins. (The system handled more than 700 million transactions without any reported fraud, according to Fujitsu, which built the technology.) Banks in Japan, India and elsewhere have used fingerprints for authentication.

Citibank experimented two years ago with an iris-scanning ATM, showing off a prototype at a trade show. The reaction was everything the bank had hoped for: “People’s jaws dropped,” said Mark Gilder, Citibank’s director of ATM distribution in the United States. “They thought it was magical. You just had to look at the machine, and money would come out.”

Then reality set in. A compromised bank card can be reissued. If a hacker figures out how to imitate someone’s eyeball — which has been done in laboratory settings — it cannot be replaced. For that and other reasons, Citibank shelved its iris scanner, for now.

It is also taking a wait-and-see approach to cardless ATMs.

“We want to be ready when people no longer carry cards and leave their wallets at home, but that timeline is developing more slowly than perhaps we thought it would a few years ago,” Gilder said.

This year, though, could be a tipping point.

About 2.5 percent of the 425,000 ATMs in the country are set up for cardless access, according to an estimate from Crone Consulting, which researches the payments industry. By the fall, it expects that number to rise to 25 percent.

As with mobile wallets, technical hurdles may hamper customer enthusiasm. People will generally need to install their bank’s mobile app on their phone, and each major bank is setting up access for only its own customers. So, for example, a Chase customer will not be able to pop into a Bank of America branch and withdraw money using a mobile phone.

That is likely to change eventually. In the early days of ATMs, networks were independent and isolated; now customers take it for granted that their cards will work at nearly any machine.

The biggest opportunity in cardless access will come as it expands to financial services beyond traditional bank accounts, said Richard Crone of Crone Consulting.

“Think of things that don’t have cards issued against them, like money market accounts or Venmo,” he said. “Unlocking cash access to those accounts would be a really big deal.”

Venmo, the digital payment system of choice for many millennials, is owned by PayPal. Giving PayPal and Venmo customers direct access to their money through ATMs is not in the works, but it “isn’t something I would rule out,” said Chris Gardner, product head for PayPal’s mobile wallet software.

Even if mobile wallets finally take off and phones replace debit and credit cards, there are still times — even for millennials — when only old-fashioned cash will do.

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