|Location name||Location address||City||State||ZIP|
|1st Class Barbershop Lounge||100 S Military Trail||Deerfield Beach||FL||33442|
|31 st Caddy Corner||3615 NW 27th Ave||Miami||FL||33142|
|777 Liquors||3613 S Military Trail||Lake Worth||FL||33463|
|99 cent store||1937 NW 9th Ave||Fort Louderdale||FL||33311|
|All Star NYC Barbershop||1236 SW 8th street||Miami||FL||33135|
|Amsterdam Bar And Restaurant||113 S 20th Ave||Hollywood||FL||33020|
|Bamboo Cigars||1339 Washington Ave||Miami Beach||FL||33139|
|Beach Café & Mini Market||2030 S Ocean Drive, ste 102||Hallandale Beach||FL||33009|
|Bella Salon Suites N2||7401 N Federal Hwy, suite A7||Boca Raton||FL||33487|
|Bella Salon Suites N3||6190 W Sample Road||Coral Springs||FL||33067|
|Bella Salon Suits N1||13055 W Sunrise Blvd||Sunrise||FL||33323|
|Big Starz Kutz||8850 Miramar Pkwy||Miramar||FL||33026|
|Cozy Corner & Novelties||4244 Peters rd||Plantation||FL||33317|
|Craft Matics Barbershop||4245 W Commercial Blvd||Tamarac||FL||33319|
|Darwin’s Purple Palace||5600 Pembroke Rd., West park||Pembroke Pines||FL||33023|
|Dominican Mini Mart||5725 Pembroke road||Hollywood||FL||33023|
|Donatos Barbershop LLC||2176 W Oakland Park Blvd||Oakland Park||FL||33311|
|El Pasapoga Restaurant||15725 SW 72 STREET, STE 184||Miami||FL||33193|
|EL Ray Liquors||4053 Lakeworth Rd||Lake Worth||FL||33461|
|Empire 305||589 NE 164th Terrace||North Miami Beach||FL||33162|
|ES Reliable Investment||17070 Collins Ave, Ste 260||Sunny Isles Beach||FL||33160|
|JP Dollar Store||15024 NE 6th Ave||North Miami Beach||FL||33161|
|Los Primos Minimarket||5371 10th Ave North, Suite 8||Greenacres||FL||33463|
|M&I Food Store LLC||3056 south state rd 7||Miramar||FL||33023|
|MATTIES SOUL FOOD LLC||817 NW 54th St||Miami||FL||33127|
|Miami Motorsports LLC||3801 S STATE RD 7||WEST PARK FLORIDA||FL||33023|
|Miami Tours||1564 Washington Ave||Miami Beach||FL||33139|
|Neo Shop USA||7306 Collins Ave||Miami Beach||FL||33141|
|New York Style Barbershop||902 N 30th Ave||Hollywood||FL||33021|
|Oriental Food Market||4245 N State Rd 7||Fort Lauderdale||FL||33125|
|Outliners Barbershop||18656 NW 67 Ave||Hialeah||FL||33015|
|Pauls Produce Market||11606 NW 7 AVE||Miami||FL||33168|
|Presto Check Cashing||632 Belvedere Rd||West Palm Beach||FL||33405|
|P’s Tattoos||14628 NW 7th Ave||Miami||FL||33168|
|RENE GROCERY LLC||13700 NE 11 AVE||North Miami||FL||33162|
|Residence Inn Fort Lauderdale Pompano Beach Oceanfront||1350 North Ocean Boulevard||Pompano Beach||FL||33062|
|Rock&Wave||1509 Washington Ave||South Miami Beach||FL||33139|
|S and R USA Inc||111 SW 6th Street||Pompano Beach||FL||33060|
|SAMs BOUTIK LLC||15018 ne 6th Ave||North Miami||FL||33161|
|Side Line Barbershop||4400 W Hillsboro Blvd||Coconut Creek||FL||33073|
|Simply A Dollar||1033 NW 9th Ave||Fort Louderdale||FL||33311|
|Smart Car Wash 2||1450 S Military Trail||West Palm Beach||FL||33415|
|Soulfully Good Restaurant and Lounge||6320 Miramar Parkway||Miramar||FL||33023|
|Spin Wash||18225 NW 27th Ave||Miami Gardens||FL||33156|
|Stop and Smoke Convenience Store||3190 S State Rd 7 M||iramar||FL||33023|
|Surfside Barbershop||9431 Harding Ave||Surfside||FL||33154|
|Team Dollar Rogu Corp||199 SW 12 AVE, STE 1-2||Miami||FL||33130|
|The Cut Barbershop||1246 NE 163rd Street||North Miami Beach||FL||33162|
|The Spot||3615 NW 17th ave||Miami||FL||33142|
|Tillo’s Liquor Store||425 NW 12TH AVE, STE J||Miami||FL||33128|
|Top shelf spirit & wine||469 NE 167th str.||North Miami||FL||33162|
|Ultimate Cut and Style Barbers||5817 W Hallandale beach Blvd||West park||FL||33023|
|VC Barbershop||6274 Forrest Hill Blvd||Greenacres||FL||33415|
|Wireless Palace||13744 NW 7TH AVE||Miami||FL||33168|
Earlier this year, Bank of America jumped onto the cardless ATM technology bandwagon announcing the introduction of the state-of-the-art ATMs that would allow customers to withdraw or complete other tasks using their smartphones instead of their bank cards. This week, they took that ambition a step further announcing that they would now allow customers to perform those tasks though Android Pay.
“Android Pay will soon be available at your Cardless ATMs,” said Google execs that showcased the cardless ATM technology at the search giant’s developer conference (Google IO conference) recently.
Android Pay first debuted in the country in September 2015, allowing shoppers to pay for goods or services at the checkout counters by simply waving their Android smartphones over a wireless reader. Using near-field communications (or NFC) technology, the reader is able to read the Shoppers credit or debit card information. Shoppers ideally have to feed this information to the mobile app and this does away with the need to carry a couple of cards with you. The technology is similar in many ways to Apple’s mobile payments service, Apple Pay.
According to the press release, Android Pay’s technology will be integrated at thousands of Bank of America cardless ATMs, starting in San Francisco and the Bay Area. Android Pay users will be able to access their Bank of America cards within their cardless wallet.
“Consumers are increasingly using their mobile devices to manage their daily lives, and we’re committed to delivering solutions that give them convenient and secure options when it comes to managing their money,” said the head of Digital Banking at Bank of America Mitchelle Moore. “Now in addition to using digital wallets for purchases, customers can use them to get cash at the ATM.”
The way we pay for things is changing fast and to ensure your business stays current and secure, you need to shift to mobile payment technologies.
There is an ongoing trend in banking, as in many other facets of society, towards faster delivery of services to customers who are increasingly time-strapped and on the move.
In the last few years, bank deposits via smartphone apps have been adopted by many of the largest banking companies. In the latest mobile banking development, Bank of America has launched cardless ATMs.
At the Google I/O conference in Mountain View, Calif., in May, Bank of America representatives announced plans to expand the cardless technology to 5,000 ATMs by year’s end, with a national rollout last month of 2,400 ATMs, including several machines in the Bridgeport, Norwalk and Stamford areas.
The company claims to be the first bank to expand the use of digital wallets stored on customer’s smartphones to let them withdraw cash, make transfers and check balances on the cardless ATM. The launch of the service, which will allow customers to access their accounts by swiping their mobile phone in front of a scanning device on select ATMs, is a reflection of the ongoing shift to mobile services, according to Bank of America.
The bank said that 20 million customers actively use its mobile banking app. During the first quarter of 2016, the number of new Bank of America accounts opened through mobile devices increased by 50 percent year-over-year.
What do tiny Clarkston State Bank and big Ally Bank have in common? Almost nothing except their approaches to banking in the 21st century. For both, mobile banking and the internet are replacing brick-and-mortar branches.
Clarkston, which has $178 million in assets, introduced mobile banking two years ago. The almost-immediate dropoff in branch visits by customers was shocking, said J. Grant Smith, the bank’s president and CEO. Half of his customers now do mobile banking.
“We analyzed our data and saw such a decline in traffic, we closed two of our four branches a year ago,” he said. That closing included what had been the bank’s headquarters building, a stately historic stone structure on Main Street in Clarkston. It didn’t have a drive-thru, and small-town downtowns don’t get the foot traffic they used to, so historic or not, it was closed.
“We go see prospects now; we close deals at their offices. Fewer people come to banks. The feedback you get is there’s no reason to go to a bank,” said Smith, who said his bank has been aggressive in teaching older customers how to go mobile, “We’ve migrated a lot of customers over who weren’t using technology.”
Carrie Sumlin, Ally Bank: “It seems like we have had smartphones forever, but it’s only been since 2007.”
Carrie Sumlin is the digital consumer executive at Utah-based Ally, a division of Detroit-based Ally Financial Inc. (NYSE: ALLY), which means she oversees all online and mobile banking. In 2013, Ally was honored by the research firm Forrester for having the most customer-friendly mobile banking platform in banking.
In 2009, the former GMAC Bank rebranded itself as Ally Bank with the premise of building a bank entirely without branches, a decision Sumlin said has never been second-guessed. Even as banks around the country were being shut down during the Great Recession by federal regulators and were available for cents on the dollar, bank officials never considered getting into the brick-and-mortar business.
“We never had any serious discussion about doing that,” she said. “We were seeing such growth from what we were doing, we didn’t see any advantage to going to a brick-and-mortar environment.”
In 2012, Ally surpassed the million-customer mark. This year it passed $55 billion in deposits, and for the fifth straight year it was named the nation’s best online bank by Money magazine.
“In the last five years in the U.S., there has been a 333 percent increase in weekly banking mobile users and a 60 percent drop in weekly branch users, so the numbers are going our way,” Sumlin said. “The mobile banking shift and speed of adoption has been amazing.”
Photo by Larry Peplin Comerica’s interactive teller machine connects customers with a live teller if needed.
In March, Ally launched Apple Pay, in which customers with Ally debit cards could pay merchants with their Apple devices.
Area bankers say the mobile revolution in banking has changed nearly everything about branch banking, from either their disappearance or shrinking footprint, to the mix of employees who work at them.
“The adoption of mobile continues to accelerate,” said Matt Elliott, the Michigan market president for Bank ofAmerica.
The result is a different look to the inside of a branch. Instead of walking in and immediately seeing a line of teller windows, there are now more small conference rooms and offices. Instead of seeing tellers, customers see bankers who can handle a range of duties, from starting a mortgage to to small-business lending.
“We want to use branches less as a place to do a transaction than a place where you come in and speak to someone face to face about what you need,” Elliott said.
That often includes, he said, branches that have on-site financial advisers from Merrill Lynch, one of Bank of America’s business units. There are no tellers behind bars at Bank of America’s newest branch on Adams Road in Rochester Hills. There’s someone to greet you at the door and lead you to a meeting room. There’s a smart ATM that will give you money in denominations you ask for.
On May 23, at a Google conference in Mountain View, Calif., BofA announced it was rolling out its cardless ATM technology to 5,000 ATMs nationwide, including 40 in branches in metro Detroit. Using what is being billed as a digital wallet stored on smartphones, customers can make withdrawals, transfer money or check balances without a bank card.
Earlier this year, BofA rolled out the ATM technology in Boston; Charlotte, N.C.; New York City; San Francisco; and Silicon Valley.