Can I Get Cash Off My EBT Card at an ATM?

Electronic Benefits Transfer (EBT) cards serve as a system for delivering various government assistance benefits. These cards function similarly to debit cards, enabling recipients to access funds and purchase eligible goods. This article explains how to get cash from an EBT card at an Automated Teller Machine (ATM), including the types of benefits that can be withdrawn and the steps involved.

Understanding EBT Card Cash Access

EBT cards typically distribute two types of benefits: Supplemental Nutrition Assistance Program (SNAP) benefits and Cash Assistance benefits. SNAP benefits, often referred to as “food stamps,” are for purchasing eligible food items at authorized retailers. These benefits cannot be converted into cash or withdrawn from an ATM.

Conversely, Cash Assistance benefits, such as Temporary Assistance for Needy Families (TANF), are designed for broader use and can be withdrawn as cash. Only the cash portion of EBT funds is accessible at ATMs. While SNAP benefits are used directly at grocery store point-of-sale (POS) terminals, Cash Assistance offers the flexibility of ATM withdrawals or cashback options at participating merchants.

How to Withdraw Cash from an ATM

Withdrawing cash from an ATM using an EBT card with Cash Assistance benefits follows a process similar to using a standard debit card. Begin by locating an ATM that accepts EBT cards. Insert your EBT card into the machine and then enter your Personal Identification Number (PIN) using the keypad.

Next, select the “Withdrawal” option from the on-screen menu. If prompted, choose “Checking” or “Savings” as the account type, as EBT cash funds are often routed through one of these. Enter the specific cash amount you wish to withdraw in whole dollar amounts, as ATMs usually dispense in tens and twenties. After confirming the transaction, collect your cash and the printed receipt.

Locating ATMs and Understanding Transaction Costs

To find an ATM that accepts EBT cards, look for the Quest® logo, a common indicator of EBT acceptance. Some ATMs may also display network logos like Plus or Cirrus, or specific bank networks that accept EBT. State EBT websites, EBT mobile apps, or the customer service number on the back of your EBT card can help locate nearby ATMs that accept EBT.

ATM withdrawals using an EBT card may incur transaction costs. These can include a surcharge imposed by the ATM owner, typically ranging from $1.00 to $4.00 per transaction. Additionally, some state EBT programs may charge a small fee for withdrawals beyond a certain number of free transactions per month, often $0.32 to $0.85 per additional withdrawal. To minimize fees, consider using ATMs from major banks like Wells Fargo, Chase, Bank of America, or Citibank, as they often waive surcharges for EBT cardholders.

Important Tips for ATM Use

Protecting your EBT card and benefits requires careful practices, particularly at ATMs. Always keep your Personal Identification Number (PIN) private and never share it. When entering your PIN at an ATM, use your free hand or body to shield the keypad from view.

Before initiating a withdrawal, check your EBT cash balance via mobile apps, online portals, or by calling the customer service number on your card. After completing a transaction, always retrieve your receipt and review it to confirm the correct amount was dispensed and to track your remaining balance. If your card is lost, stolen, or an ATM does not dispense cash, immediately contact the EBT customer service number on your card to report the incident. Maintaining awareness of your surroundings while at an ATM also enhances personal safety.