[Capital One] How can I find an ATM without showing my bank balance?

For a banking app, I think Capital One does a great job with their mobile experience. I think they’re way ahead of banks like HSBC and Bank of America in terms of design and ease of use. My only issue is the Branch / ATM Finder feature.

User Story

As a user, I want to find an ATM near me without showing my bank balance in public.

As someone who only needs to find an ATM when I’m with other people, and in public, I would rather use the initial screen of the app to find an ATM instead of having to login to do so.

Capital One ATM Finder

This is after logging in and scrolling past my Checking, Savings, and Investment accounts.

User Flow


Note: Based on iOS experience

  1. Open App
  2. Login
  3. Scroll to the bottom of the screen (passing through all account balances)
  4. Open ATM Finder
  5. Find ATM
  6. Get directions using Apple Maps
  7. Go to ATM
  8. Withdraw Cash


  1. Open App
  2. Open ATM Finder
  3. Find ATM
  4. Get directions using Apple/Google Maps
  5. Go to ATM
  6. Withdraw Cash


Note: I’m currently using an iPhone but I plan to update this to include the Android experience.

My selection is based on banks I commonly see in New York, they are:

  • HSBC
  • Chase
  • Citibank
  • Bank of America

Mobile Bank Comparison

Based on iOS apps

Compared with their competitors, Capital One is the only one that requires a user to log in.