You reach the ATM, confident your money's right there waiting. You punch in your PIN, select the amount. Declined. You try ...

With mobile payment services like Apple Pay, Samsung Pay, and Android Pay gaining more ground in retail stores, it was only a matter of time before the banks began making use of that technology.

Banks report cash withdrawals of $10,000 or more to the federal government. Here's why, and how to make sure your next big withdrawal goes smoothly.