A system, apparatus, and method are directed towards automatically managing an access account at an access point using near field communications and credentials stored on a mobile device. The mobile device receives, out-of-band, information for use in creating an account for accessing network resources from the access point. As the mobile device is brought into proximity with the access point, a wireless network connection is established using a near field communication (NFC) protocol. The information, which may include a user credential, account information, and so forth, is communicated to the access point. The access point employs the information to establish an account and create an environment from which access to the network resources may be obtained. Upon termination, the access point removes from itself any user specific data. The access point may provide also session related information useable in billing the user of the mobile device.