Can you use an ATM card as a debit card for purchases and online payment? It depends on the card and what type of account you have. An ATM card is any payment card issued by a financial institution that enables a customer to For other types of transactions through telephone or online banking, this may be performed with an ATM card without in-person authentication. Dimensions · ATM uses · Non-ATM uses · Card networks. Debit Cards from Wells Fargo make for easy access at more than ATMs. at participating retailers and service providers – including online or by phone.