Where to Withdraw EBT Cash: At ATMs and In Stores

EBT cards distribute government assistance, including food benefits (SNAP) and cash benefits (e.g., Temporary Assistance for Needy Families or General Assistance). While SNAP benefits are for food, EBT cash offers flexibility for essential expenses. This guide details how and where to withdraw EBT cash from ATMs and obtain cash back at retail locations.

Locating EBT Cash ATMs

Finding an ATM that accepts EBT cards for cash withdrawals is straightforward, as many operate similarly to standard debit cards. EBT cards feature logos of common ATM networks such as Quest, Plus, Cirrus, Star, or NYCE, indicating compatibility. Look for these logos on an ATM to identify a usable machine.

Many state EBT programs provide online ATM locators on their websites, which allow users to search for nearby participating ATMs, often distinguishing between those that may charge fees and those that do not. The toll-free customer service number located on the back of the EBT card can help locate suitable ATMs in your area. Some major banks, including Wells Fargo, Chase, Bank of America, and Citibank, offer surcharge-free EBT access at their ATM locations nationwide.

Withdrawing Cash at ATMs

Withdrawing EBT cash at an ATM is similar to using a typical bank debit card. Insert your EBT card and accurately enter your four-digit Personal Identification Number (PIN).

Select “Cash Withdrawal” or “Withdrawal from Checking.” Enter the desired amount, ensuring it does not exceed your available cash balance or the ATM’s per-transaction limit. The ATM will dispense the cash. Retrieve both the cash and the printed receipt, which often shows the remaining EBT balance.

Getting Cash Back at Stores

Many retail establishments, including grocery stores and convenience stores, offer cash back with an EBT card. This method is a convenient alternative to ATM withdrawals and often does not require a purchase, though some stores may require a small transaction.

To get cash back, swipe your EBT card at the point-of-sale (POS) terminal. Select the “Cash Back” or “Debit” option, enter your PIN, and specify the desired amount. The cashier will then dispense the cash. Check with the store beforehand regarding their cash back policies and any limits they may impose.

Fees and Withdrawal Limits

Users should be aware of potential fees and withdrawal limits when accessing EBT cash benefits. Many in-network ATMs and cash back transactions at stores do not incur a fee.

However, using an out-of-network ATM may result in a surcharge, typically ranging from $1.00 to $3.00, which must be disclosed before the transaction is completed, allowing the user to cancel if they wish to avoid the fee. Some states may also impose fees for ATM withdrawals beyond a certain number per month, such as a fee of $0.45 or $0.75 after the first two or three free withdrawals.

State EBT programs and individual ATM operators often set daily or monthly withdrawal limits, which can vary significantly. To determine specific card limits and any applicable fees, consult the toll-free customer service number on the back of your EBT card or check your state’s EBT website or mobile application, where balance and transaction history information is often available.