Systems and methods for financial operations performed at a contactless ATM

An automated teller machine (ATM) associated with a financial institution (FI), the ATM comprising:

• a network interface circuit enabling the ATM to exchange information over a network;
• an input/output device configured to exchange data with a mobile wallet circuit on a mobile device associated with a customer;
• and
• a processing circuit communicably engaged to the network interface circuit and the input/output device and comprising a processor and a memory, the memory structured to store instructions that are executable by the processor and cause the processing circuit to:
• receive, by the input/output device, a payment token from the mobile wallet circuit;
• determine whether the payment token is associated with the FI;
• in response to determining that the payment token is associated with the FI, detokenize the payment token to identify an account associated with the customer and
• process an ATM transaction request using the customer account;
• and
• in response to determining that the payment token is not associated with the FI, transmit the payment token to a card network computing system without the detokenizing of the payment token.