Here's how it works. First you open your BECU app go to the digital ATM. Second, you pre-withdrawal a certain amount of cash while waiting in line or before leaving the house. Third you take the same concept as Apple Pay and hover your phone over the ATM and receive your cash. By pre-setting a withdrawal amount this is guaranteed to shorten wait length at the drive-thru ATM and any ATM out there for BECU Members.