An Electronic Benefits Transfer (EBT) card is a government-issued debit card that allows you to access your benefits for programs such as Supplemental Nutrition Assistance Program (SNAP) and Temporary Assistance for Needy Families (TANF).
While the EBT card is primarily used for purchasing eligible items at participating retailers, you can also use it to withdraw cash at an Automated Teller Machine (ATM) or a point-of-sale (POS) device.
In this article, we will guide you through the process of withdrawing cash from your EBT card, including where to find participating ATMs, how to secure your PIN, and what to do if you lose your card.
How to Withdraw Cash From an EBT Card
To withdraw cash from an EBT or Electronic Benefit Transfer card, you can follow these steps:
- Check if your EBT card has a cash withdrawal option: Not all EBT cards have the option to withdraw cash, so make sure to check if your card allows this feature. You can check this by looking for the Visa or Mastercard logo on your EBT card, as those cards typically allow for cash withdrawals.
- Find a participating ATM: Look for an ATM that is part of the EBT network. You can do this by searching online for “EBT cash withdrawal locations” or by calling the customer service number on the back of your EBT card.
- Insert your EBT card: Once you find an ATM that is part of the EBT network, insert your EBT card into the card reader.
- Enter your PIN: You will be prompted to enter your four-digit PIN (Personal Identification Number) that you set up when you received your EBT card. Make sure to enter it correctly, or you may risk being locked out of your account.
- Choose the cash withdrawal option: Select the option to withdraw cash from your EBT account.
- Enter the amount you want to withdraw: Enter the amount of cash you want to withdraw. Be mindful of any withdrawal limits that may apply, as they can vary depending on your state or the type of EBT card you have.
- Confirm your transaction: The ATM will then display the details of your transaction, including the amount you are withdrawing and any fees that may apply. Make sure to review this information carefully before confirming your transaction.
- Collect your cash and receipt: Once you confirm your transaction, the ATM will dispense the cash you requested, along with a receipt that shows the details of your transaction.
- Keep your EBT card and PIN secure: After withdrawing cash, make sure to keep your EBT card and PIN secure to prevent unauthorized access to your account.
Where to Withdraw Cash from EBT Card
Electronic Benefit Transfer (EBT) cards are issued by state governments to provide financial assistance to low-income households.
EBT cards are similar to debit cards and can be used to purchase groceries and other household items at participating retailers.
In addition, many EBT cards have a cash withdrawal option that allows cardholders to withdraw cash from ATMs.
EBT cardholders can withdraw cash from any ATM that is part of the EBT network. To find an ATM near you that accepts EBT cards, you can:
- Check your cardholder materials: When you receive your EBT card, you should receive a list of participating ATMs in your area. If you do not have this information, you can contact the customer service number on the back of your EBT card.
- Use the EBT locator tool: The United States Department of Agriculture (USDA) maintains a list of participating EBT ATMs on their website. You can search for an ATM in your area by entering your zip code of card or city and state.
- Ask your local retailer: Many retailers that accept EBT cards also have an ATM on site that accepts EBT withdrawals. Ask a store employee if they have an EBT-compatible ATM on their premises.
Fees for EBT Cash Withdrawals with EBT Card
While EBT cash withdrawals are convenient, they often come with fees. The fees associated with EBT cash withdrawals vary by state and by ATM network. Some common fees include:
- ATM fees: Just like with traditional debit cards, many ATMs charge a fee for using their machine. The fee may vary based on the ATM network and the location of the machine.
- Surcharge fees: In addition to the ATM fee, some retailers or ATM operators may charge an additional surcharge fee for using an EBT card to withdraw cash.
- Balance inquiry fees: Some ATMs may charge a fee if you check your EBT card balance before making a withdrawal.
- Out-of-network fees: If you use an ATM that is not part of the EBT network, you may be charged an additional fee for using an out-of-network machine.
It is important to check the fee schedule for your EBT card before making a cash withdrawal. You can usually find this information on your state’s EBT website or by contacting customer service.
Related: EBT card not working guide
Other Important Information
Here are some other things to keep in mind when withdrawing cash from an EBT card:
- Know your withdrawal limit: Your state may have a daily limit on the amount of cash you can withdraw from your EBT card. Be sure to check your EBT cardholder materials or contact customer service to find out what your limit is.
- Keep your PIN secure: Your EBT card PIN is like a password, and it should be kept secure at all times. Never share your PIN with anyone, and be sure to cover the keypad when entering your PIN at an ATM.
- Be aware of your surroundings: When withdrawing cash from an ATM, be aware of your surroundings and make sure no one is watching you enter your PIN or take your cash.
- Check your balance frequently: To avoid overdraft fees or running out of funds, be sure to check your card balance frequently. You can do this at an ATM, online, or by calling customer service.
Why Did I Get Cash on My EBT Card Today
There are several reasons why you may receive cash benefits on your EBT card. The most common reason is for programs such as the Temporary Assistance for Needy Families (TANF) or Refugee Cash Assistance (RCA), which provide financial assistance to eligible individuals or families.
Another reason is certain state-administered general assistance programs or emergency benefits. In some cases, you may also be eligible to withdraw cash from your EBT card if you have an overpayment or if you have selected the cash withdrawal option at a participating retailer or ATM.
The specific reasons for receiving cash benefits on your EBT card may vary depending on your state’s policies and programs.
Conclusion
In conclusion, withdrawing cash from an EBT card can be a convenient way to access your benefits.
However, it’s important to be aware of any fees, daily withdrawal limits, and secure PIN practices to ensure the safety and availability of your funds.
By following these guidelines and utilizing the resources available to you, you can make the most of your EBT benefits.
FAQ’s
Is it possible to withdraw cash from any ATM using an EBT card?
No, you can only withdraw cash from ATMs that are part of the EBT network. You can find participating ATMs in your area by checking your cardholder materials, using the EBT locator tool, or asking your local retailer.
Are there any fees associated with EBT cash withdrawals?
Yes, fees for EBT cash withdrawals can vary by state and by ATM network. Common fees include ATM fees, surcharge fees, balance inquiry fees, and out-of-network fees. It’s important to check your state’s EBT website or contact customer service to find out what fees apply to your card.
What is the daily withdrawal limit for EBT cash withdrawals?
The daily withdrawal limit for EBT cash withdrawals varies by state. You can find out what your limit is by checking your cardholder materials or contacting customer service.
Can I withdraw more money than my balance allows with an EBT card?
No, you cannot withdraw more money than your EBT card balance allows. If you attempt to withdraw more than your balance, your transaction will be declined.
How can I keep my EBT card PIN secure when withdrawing cash?
To keep your EBT card PIN secure, never share it with anyone and cover the keypad when entering your PIN at an ATM. Also, be aware of your surroundings and make sure no one is watching you enter your PIN or take your cash.
What should I do if I lose my EBT card?
If you lose your EBT card, contact customer service right away to report it lost or stolen. They can cancel your card and issue a replacement. It’s important to keep your EBT card secure to prevent unauthorized charges and access to your funds.
Can I check my EBT card balance before making a cash withdrawal?
Yes, you can check your EBT card balance at an ATM, online, or by calling customer service. It’s a good idea to check your balance frequently to avoid overdraft fees or running out of funds.