ATMs With Free EBT Transactions: Withdrawing Cash From EBT Cards

atms with free ebt transactions withdrawing cash from ebt cards

So you’ve got your EBT card in hand, ready to grab some cash, but then you spot that dreaded surcharge notice on the ATM. Sigh. Seems like you can never catch a break with these crazy fees. But wait – don’t walk away just yet. Believe it or not, there are some fee-free ATMs out there that let you grab your cash without charging extra.

In this blog post, we’re pointing you towards the ATMs in your area that don’t hit your EBT card with surcharges. That way, you can access all of your benefits without unnecessary fees digging into your funds. We’ve found the best options to help you keep more money in your pocket. Read on to find the EBT-friendly ATMs near you!

What Is an Electronic Benefits Transfer (EBT) Card?

An EBT card is how those receiving government assistance benefits like SNAP food stamps or cash benefits access their funds. EBT stands for Electronic Benefits Transfer, and the card works like a debit card. Use it to buy eligible food items at stores that accept EBT.

How Do EBT Cards Work?

When you qualify for SNAP food stamps or cash benefits, the government will deposit funds onto your EBT card each month. You then use the card to purchase groceries or access cash at ATMs and stores. The amount deposited depends on your household size and income.

Where Can You Use an EBT Card?

Most popular grocery stores accept EBT cards for payment, including big chains like Walmart, Kroger, Safeway, and Publix. Farmers markets, food co-ops, and convenience stores also accept EBT. Some states allow limited cash withdrawals with an EBT card. Check with your local social services agency to see which ATMs in your area offer free EBT transactions.

Keeping Track of Your EBT Balance

It’s important to keep track of the balance on your EBT card each month to avoid overspending. You can check your balance in a few ways:

  • Call the toll-free number on the back of your card.

  • Check online at your state’s EBT website (if available in your state).

  • Check your receipt after each EBT purchase. The remaining balance will print on the receipt.

  • Keep a running note of your purchases and deductions to calculate your remaining balance.

With an EBT card, you have access to funds that can help put food on the table. Take advantage of this benefit and use your EBT card wisely each month. Let me know if you have any other questions!

using atms to take out ebt cash

Using ATMs to Take Out EBT Cash

Using an ATM to withdraw your EBT cash benefits is super convenient. Check with your EBT card issuer to find ATMs in their network. They should have an online locator tool to help you find nearby options. Some food retailers like Walmart, Kroger, and Safeway provide no-fee EBT ATMs right inside their stores. This means you can shop and get cash at the same place.

Once you find an EBT-friendly ATM, inserting your card and entering your PIN is all it takes to access your funds. The machine may ask if you want to withdraw benefits from your SNAP food stamps account or cash from your TANF welfare account. Choose the option you need and enter the amount. You’ll get your money in seconds.

Take Cash From a Citibank, HSBC, Wells Fargo, or Chase Bank ATMM

All you need to do is find an ATM location near you to withdraw money for free.


Citibank offers over 65,000 ATMs worldwide, many of which are located in well-known stores and pharmacies. Citibank ATMs are also clearly marked, so keep an eye out for the familiar red and blue logo. You can search for nearby ATMs on their website or mobile banking app and filter specifically for those with no surcharge fees. Most will allow cash withdrawals in $5 increments.


National bank — HSBC operates over 4,000 ATMs across the U.S., mainly located in urban and suburban areas. Their machines are open 24 hours and don’t charge any EBT transaction fees or balance inquiry fees. HSBC also reimburses any out-of-network ATM fees for their customers up to a certain amount each month, so you have extra flexibility and convenience.

Wells Fargo and Chase Bank also provide surcharge-free EBT access at thousands of ATM locations nationwide. Any of these banks should have an option near you to get cash without worrying about extra charges. By sticking to their ATM networks, you can easily access the funds from your EBT card whenever you need them.

Using Your EBT in Stores

You don’t even need to grab cash to use your EBT card! Many grocery stores and retailers accept EBT for payment. When you’re checking out, swipe your EBT card at the card reader and enter your PIN. Your available food stamp balance will automatically be deducted from the total purchase amount.

Some stores allow you to get cash back when paying with your EBT card. This could be useful if you need some cash for non-food essentials. However, keep in mind that any cash received will be deducted from your food stamp balance. Only take out what you need so you have enough left for groceries.

Certain non-food items are also EBT-eligible, such as:

  • Baby formula and wipes

  • Plants for growing food

  • Menstrual products

However, hot prepared food items like deli items or bakery goods do not qualify. Alcohol, cigarettes, pet food, paper products, and cleaning supplies are also prohibited. Check with your store for their EBT purchasing policy.

Many farmers markets and food cooperatives accept EBT as a form of payment for locally grown produce, meats, and dairy. This is a great way to support your community while eating nutritious food.

programs offering ebt cards

Programs Offering EBT Cards

Want to grab an EBT card of your own? Several government assistance programs offer EBTs to distribute benefits. The largest is the Supplemental Nutrition Assistance Program or SNAP (formerly known as food stamps). SNAP provides monthly benefits on an EBT card that can be used to buy most grocery items.


Medicaid also provides certain benefits via EBT cards in some states. Instead of mailing printed Medicaid cards, several states have moved to loading monthly or quarterly benefits onto EBT cards. These cards can then be used to pay Medicaid copays or used like a debit card to pay for over-the-counter medications and healthcare items. Some states also provide transportation benefits and child care assistance on EBT cards.

Temporary Assistance for Needy Families (TANF)

The TANF program provides cash assistance and work opportunities for families with children. Some states distribute TANF funds through EBT cards, allowing recipients to access cash benefits at ATMs, banks, and stores. TANF EBT cards can be used to pay for essentials like food, clothing, shelter, and transportation.

Child Support

Some states also allow non-custodial parents to pay court-ordered child support through EBT cards. The funds are loaded onto EBT cards provided to custodial parents who can then access the child support at ATMs or use the cards for purchases. This allows for a more convenient payment option over mailing checks.

There are additional smaller programs in some states that also utilize EBT cards to provide benefits. The specific programs and options vary in each state. Contact your local social services agency to determine what benefits may be available to you through an EBT card in your area.

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