How to Withdraw Cash From an EBT Card in NJ
Navigate how to access your EBT cash benefits in New Jersey. Find clear steps for secure withdrawals at ATMs and participating retailers.
An Electronic Benefits Transfer (EBT) card serves as a convenient method for New Jersey residents to receive various state-administered benefits. These benefits are loaded electronically onto the card, which functions similarly to a debit card. This article clarifies the process of accessing cash benefits from your New Jersey EBT card, providing guidance on how to withdraw funds and manage your card effectively.
Understanding Your EBT Cash Benefits
Your New Jersey EBT card, officially known as the Families First Card, holds two distinct types of benefits: Supplemental Nutrition Assistance Program (SNAP) food benefits (often referred to as food stamps) and Temporary Assistance for Needy Families (TANF) cash benefits (also known as Work First New Jersey or WFNJ cash assistance). Only cash benefits are eligible for withdrawal as physical money; SNAP benefits are for food purchases and cannot be converted into cash.
To determine your available cash benefit balance, several options are accessible. You can visit the official online portal at www.NJFamiliesFirst.com or use the ConnectEBT App. Alternatively, an automated phone system is available by calling the New Jersey EBT customer service hotline at 1-800-997-3333. When using an ATM, you can check your cash balance, though SNAP balances are not viewable at ATMs.
Withdrawing Cash at ATMs
Withdrawing cash benefits from your EBT card at an Automated Teller Machine (ATM) in New Jersey follows a process similar to using a standard bank debit card. Begin by inserting your Families First Card into the ATM and entering your Personal Identification Number (PIN). You will then select “Cash Withdrawal” or “Withdrawal” from the menu options. When prompted, choose “Checking” or “EBT” as the account type for your cash benefits. After inputting the desired withdrawal amount, the ATM will dispense your cash and provide a receipt.
Be aware of ATM fees. New Jersey allows three fee-free cash ATM withdrawals per calendar month. For each subsequent withdrawal within the same month, a transaction fee of $0.45 will be deducted directly from your cash account. Some ATMs not affiliated with the EBT network may also impose an additional surcharge, which should be clearly displayed on the ATM screen before you complete the transaction. To identify EBT-friendly ATMs, look for those displaying the Quest® logo, as these support EBT cash withdrawals.
Getting Cash Back at Retailers
Another practical method for accessing your EBT cash benefits is by requesting cash back at participating retail locations. When seeking cash back, look for stores that display the Quest® logo or signs indicating “EBT Cash Accepted.” During the checkout process, after your items have been scanned, inform the cashier that you intend to use your EBT card and wish to receive cash back.
You will then swipe or insert your Families First Card at the point-of-sale (POS) terminal and enter your confidential PIN. Retailers often have specific daily limits on the amount of cash back they can provide. There are no transaction fees assessed for cash withdrawals made at POS devices within retail stores. Verify the transaction details and your remaining balance on the receipt provided.
Managing Your EBT Card
Proper management of your EBT card is important for secure and continuous access to your benefits. Your Personal Identification Number (PIN) is essential for all transactions and should be kept confidential. You can select or change your PIN online through www.NJFamiliesFirst.com, using the ConnectEBT App, or by contacting the customer service hotline at 1-800-997-3333.
If your Families First Card is lost, stolen, or damaged, report it immediately to prevent unauthorized use of your benefits. You can report this online at www.NJFamiliesFirst.com, through the ConnectEBT App, or by calling the customer service number at 1-800-997-3333. This action will “freeze” your card, protecting your funds.
After reporting, you can obtain a replacement card by visiting your local County Welfare Agency (CWA) or County Board of Social Services. Replacement cards are available for pickup or mailed within two business days. The first two replacement cards are provided free of charge, with a $2.00 fee applied for subsequent replacements. Additionally, the Families First website and ConnectEBT app offer a feature to lock and unlock your card, providing an extra layer of security against electronic theft.