If you receive cash benefits through an Electronic Benefits Transfer (EBT) card, you might wonder, Where can I withdraw money from my EBT card for free?
Avoiding ATM fees is important, especially when every dollar counts. This guide cuts through the confusion and lists practical ways to access your funds without extra charges.
EBT cards are used for programs like Temporary Assistance for Needy Families (TANF), which provide cash benefits for essentials like rent, utilities, and groceries. Unlike SNAP benefits (food stamps), these funds can be withdrawn as cash.
However, not all ATMs offer free transactions. Knowing where to go saves money and stress.
This guide explains where you can withdraw money for free, transfer EBT cash to Cash App, and how withdrawals work in Florida.
Where to Withdraw EBT Money for Free
You can withdraw cash from your EBT card without fees at specific ATMs. Here’s where to look:
Major Bank ATMs
Most major banks let you withdraw EBT cash for free at their ATMs if you get cash benefits. Popular banks offering free EBT withdrawals include:
- Bank of America
- Wells Fargo
- Chase
- Citibank
- Capital One
- U.S. Bank
- Bank of the West
- PNC Bank
Look for ATMs displaying the QUEST logo, which signals compatibility with EBT cards.
Store Registers
Many retailers (Grocery Stores and Supermarkets) provide free cash back with purchases using your EBT card:
- Walmart
- Safeway
- Kroger Stores
- Publix
- Albertsons
- Target
- Food Lion
Networks like Allpoint, MoneyPass, or PULSE partner with retailers (grocery stores, convenience stores) to offer free withdrawals. Confirm fees before proceeding, as some locations may apply charges.
You usually need to make a small purchase, and the withdrawal limit varies by store.
Regional Banks and Credit Unions
Smaller institutions and Local credit unions often provide free EBT transactions.
For example:
- California has over 40 regional banks and credit unions with fee-free ATMs.
- Check your state’s EBT website for local options.
Government Facilities
Some government facilities have ATMs with free EBT withdrawals:
- Social services offices
- County buildings
- State government offices
State Resources
Most states provide tools to locate free ATMs:
- Use official EBT apps (e.g., Arizona’s app).
- Visit your state’s health/human services website for lists of approved ATMs.
Avoid ATMs in prohibited locations like casinos, liquor stores, or adult entertainment venues, as these may block transactions or incur fees.
Can You Transfer EBT Cash to Cash App?
No, you cannot directly transfer money from your EBT card to Cash App. The law prohibits transferring EBT funds to digital payment apps like:
- Cash App
- Venmo
- PayPal
- Apple Pay
- Google Pay
You must withdraw cash from approved locations first, then deposit it separately into your Cash App account if desired.
Note:
- Some states permit this. Check with your local benefits office first.
- Fees may apply depending on the app or retailer.
How to Withdraw Cash from EBT Card in Florida
Florida EBT cardholders can get their cash benefits through these methods:
At EBT-Approved ATMs:
- Insert your EBT card
- Enter your PIN
- Select “Withdrawal from Cash Account”
- Choose your amount
- Take your cash and receipt
At Store Registers:
- Make a purchase
- Tell the cashier you want cash back
- Swipe your EBT card
- Enter your PIN
- Select cash-back amount
- Receive your cash with the purchase
Remember:
- – Florida allows four free ATM withdrawals per month
- – Additional withdrawals may have fees
- – Daily withdrawal limits apply
- – Keep track of your remaining balance
- – Contact Florida’s EBT customer service** at 1-888-356-3281 for localized help.
Where Can I Use My EBT Card in Florida?
Your EBT card works at:
- Grocery stores: For SNAP-eligible food items.
- ATMs: For TANF cash withdrawals (follow free ATM guidelines).
- Participating retailers: Some stores allow cashback during purchases.
Restrictions:
- No withdrawals at prohibited venues (casinos, liquor stores).
- SNAP funds can’t be withdrawn as cash—only TANF benefits.
Does EBT Check Your Bank Account?
No. EBT programs do not monitor your personal bank accounts. However:
- They track EBT card transactions to ensure compliance with program rules.
- Depositing TANF funds into a private account is allowed in some states, but you must report income changes to your caseworker.
If your financial situation changes, you may need to update your information to continue receiving benefits. Providing false information can lead to penalties, including losing benefits or legal consequences.
Conclusion
Withdrawing money from your EBT card for free is straightforward if you know where to look. Stick to major banks, surcharge-free networks, and state-provided resources to avoid fees.
Always confirm withdrawal policies with your local agency, as rules vary by state. By planning, you can keep more of your benefits for essentials.
For detailed ATM lists or app links, visit your state’s EBT website or contact customer service.
