Accessing your EBT benefits should be simple and hassle-free. But can you withdraw your cash without paying extra fees? If you’re wondering, “Where can I withdraw money from my EBT card for free?” you’re not alone.
Knowing your options can help you save money and avoid stress. That’s why we created this guide at Remitly to discuss the best places to withdraw your cash for free. We’ll give you some smart tips to maximize your benefits, avoid unnecessary charges, and feel confident managing your EBT funds.
What is an EBT card?
An EBT (Electronic Benefits Transfer) card is a government-issued card that works like a debit card. It’s used to give people access to their food or cash benefits from government programs. This card allows you to access funds for essential needs without using cash or checks, providing a faster and secure way to receive and spend benefits.
EBT cards are commonly associated with federal programs such as SNAP (Supplemental Nutrition Assistance Program), which helps low-income individuals and families buy groceries, and TANF (Temporary Assistance for Needy Families), which provides cash assistance to help cover essential expenses like housing, transportation, and health care.
Funds are automatically loaded onto the card each month, and you can use it to buy approved items at participating grocery stores, and farmers’ markets. You can also use the card at ATMs for cash benefits. It’s a safer and more convenient way for people to get the help they need for everyday essentials.
Where can you withdraw money from your EBT card for free?
If you’re receiving government assistance through an EBT card, there are places where you can withdraw your funds for free:
ATMs
Many states partner with select banks and credit unions to provide EBT users with access to ATMs. These partnerships may include major banks like Bank of America, Wells Fargo, and regional credit unions.
However, availability of free ATM networks depends on your state’s EBT program. Most programs let you make a few free EBT withdrawals each month but after that, you might be charged a small fee.
To avoid these charges, use your state’s EBT website or app to find approved ATMs. Some states support fee-free networks like MoneyPass or Allpoint Network. When you’re counting every cent, knowing which machines are fee-free can help you stick to your budget and avoid surprises.
Retail stores offering cashback
If you can’t find a fee-free ATM nearby, many retailers offer cashback when you make a purchase using EBT cash benefits. Stores such as Walmart, Dollar General, Walgreens, CVS, and even some local grocers allow this option at checkout.
This method is another way to access your cash without ATM fees. Be sure to confirm store policy first, though, because not all stores support EBT cashback and may have withdrawal limits.
Keep in mind that only cash benefits, such as those from TANF, are eligible for withdrawal or cashback using your EBT card. SNAP benefits are strictly for buying approved food items.
Tips to maximize your EBT benefits
Beyond using the right ATMs and going to the shops where you can use your card, there are other ways to make the most out of your EBT benefits.
Limit your number of withdrawals each month
As we mentioned earlier, many EBT programs cap the number of free ATM withdrawals you can make. Sometimes there’s a monthly limit on the number of free withdrawals, for example, and going over that limit can cost $1 or more per transaction. So, to cut down on fees, plan ahead and withdraw enough cash in a single trip to cover your weekly or monthly expenses instead of making frequent, smaller withdrawals.
Monitor your balance without paying extra
Keeping an eye on your balance helps you budget better and avoid declined purchases. Many states provide mobile apps, websites, or toll-free numbers where you can check your balance for free. Avoid checking your balance at an ATM if you can, because some charge fees just for doing that. Instead, opt for digital tools or free automated phone services.
Plan purchases around sales and discounts
You can make the most of your benefits by shopping smart. Look out for weekly ads, clearance sales, and store-brand products. Many grocery stores accept digital coupons or offer loyalty apps you can use with your EBT card.
Farmers’ markets in many states offer matching programs like Double Up Food Bucks, giving you extra value when buying fresh produce—particularly fruit and vegetables—with SNAP benefits. So you not only do better for every dollar, you’re eating healthier too.
Know your monthly deposit schedule
Knowing the date the government loads your benefits each month can help you plan spending more effectively. Many states deposit money on a fixed schedule based on criteria like your case number or last name.
Consider marking that date on your calendar or setting a reminder so you can avoid unnecessary trips to the ATM or repeated balance checks. Knowing when your funds arrive helps you plan your budget better for life’s essentials.
Understanding potential fees and charges
While EBT cards offer convenient access to benefits, some transactions can trigger extra charges—and it’s not just those fees for going over the monthly withdrawal limit that we talked about. Understanding where and how extra fees may apply will help avoid unnecessary deductions from your balance.
To give you an example, one common charge that catches people out is for using an ATM outside your state’s designated EBT network. These out-of-network ATM fees often come with added charges from the EBT processor.
Because EBT rules differ by state, check your local EBT website or call the customer service number on your card. Knowing your withdrawal limits, network partners, and fee policies can help you hold onto more of your monthly benefits.
Other key considerations for EBT users
Using your EBT card responsibly and securely can help you avoid fraud, manage your benefits wisely, and access helpful features your state may offer. Like any other card in your purse or wallet, security matters.
Keep your PIN safe and monitor transactions regularly
Your EBT card works like a debit card, so anyone with your PIN can use it to make purchases or withdraw money. Just as you do with your other cards, keep your PIN private and never share it with anyone–even friends or relatives you trust, who might accidentally reveal it to somebody you don’t know. And take the usual precautions at ATMs and point-of-sale terminals, including covering the keypad when entering your PIN.
To avoid fraud, regularly monitor your transaction history through the state’s EBT website, mobile app, or calling the customer service line. If you notice any unauthorized charges or suspicious activity, report it immediately. Some states may be able to replace stolen benefits if the fraud is reported quickly.
Budget your EBT funds wisely
Since your EBT funds come in once a month, budgeting and planning carefully will make a big difference. Start by listing your essential food or household needs and be sure to stick to your planned shopping list. Impulse purchases can be tempting, but you can end up regretting them at the end of the month.
As we’ve said, using store sales and coupons can help you stretch your resources, and you can ensure you’re staying on track by checking in on your spending each week. That way, you’re less likely to run out before your next deposit.
Make the most of your EBT
Accessing your EBT funds shouldn’t add extra stress to your life. By understanding where and how to withdraw cash-free, you’ll save money and make the most of your benefits.
If you want to learn more, reach out to your state’s EBT provider, explore their online resources, or contact their customer support line to find fee-free withdrawal locations near you. Your benefits are yours and every cent counts.
FAQs
What should I do if an ATM charges me for a withdrawal I thought was free?
If you were charged unexpectedly for a withdrawal, document the transaction (date, amount, location) and contact your EBT customer service right away. In some cases, refunds may be possible if the ATM was part of a listed surcharge-free network, or if an error occurred.
What’s the deal for getting cashback with EBT card?
If your EBT card includes cash benefits, some stores let you grab a little cashback at the checkout—no extra trip, no ATM fee. Just swipe, spend, and walk away with groceries and cash in hand. But check with the store first as policies can vary.
Can I set up alerts or notifications for EBT transactions or low balances?
Yes. Many EBT programs allow you to enroll in text or email alerts through their online portal. These alerts can notify you of transactions, low balances, and benefit deposits. Signing up for notifications is a good way to stay within fee-free limits and monitor unauthorized activity on your card.
How many free ATM withdrawals are allowed per month?
Each state sets its own limit on the number of free ATM withdrawals allowed with an EBT card. Most commonly, programs allow two to four free EBT withdrawals per month. After that, you’ll likely incur additional transaction fees. To avoid surprises, check your program’s official guidelines or contact EBT customer service for your state.
Can you check your EBT balance at an ATM or online for free?
Yes. Many EBT programs allow card holders to check their balance for free at approved ATMs. You can also access your balance online through your state EBT portal or mobile app. Be cautious at ATMs not in your network, though, as they may charge a fee even for balance inquiries.
Are there any states that offer unlimited free EBT withdrawals?
In some states, unlimited free ATM withdrawals are available through specific banking partners or ATM networks. This often depends on agreements between the state and financial institutions like MoneyPass, Allpoint, or state-run banks. To find out if your state offers this benefit, contact your EBT program’s customer service or check their website for details.