Card is your username duh. Some people are beyond saving.

Even in my bank’s ATM there’s only one password, not 2FA. 2FA is 2 factor auth, there’s no 2FA in the ATMs.

It doesn’t mean the initial password isn’t a layer of authentication, but strictly speaking where I live all ATMs do not employ 2FA.

I have my own NAS with its native app and sync my phone directly to it.