How to use your EBT card at an ATM
EBT ( Electronic Benefit Transfer) cards can be used to deliver both food benefits ( SNAP, also called food stamps) and cash benefits. Only cash benefits, like TANF (Temporary Assistance for Needy Families), can be withdrawn at ATMs—SNAP benefits are specifically for buying groceries and can't be converted to cash.
Here’s how to withdraw your EBT cash benefits, avoid unnecessary fees, and protect your EBT card when using ATMs.
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How to withdraw cash EBT at an ATM#how-to-withdraw-cash-ebt-at-an-atm
Withdrawing cash benefits with an EBT card works just like using a standard bank debit card to take money out of an ATM. The ATM will give you step-by-step instructions like:
- Insert your EBT card
- Enter your PIN
- Select the action you’d like to take, like “withdraw cash” or “check balance”
- Choose how much cash to withdraw from your available balance
- Take your receipt
Disputing an ATM error#disputing-an-atm-error
If an ATM charges your account but doesn't give you the right amount of cash, call the number on the back of your EBT card to file a dispute with your state's EBT customer support line.
Finding a no-fee ATM for EBT withdrawals near you#finding-a-no-fee-atm-for-ebt-withdrawals-near-you
Save money by using fee-free ATMs for your cash benefits. Many state EBT websites have ATM locators. Look for the EBT or Quest® logo on ATMs near you.
Some states limit free ATM withdrawals of cash benefits each month. After your first two free withdrawals, you'll pay fees:
- New York: $0.45 fee per withdrawal
- Massachusetts: $0.75 fee per withdrawal
- Florida: $0.85 fee per withdrawal
For other states, check with your state EBT customer support for the exact amount. These fees come out of your cash benefits without notification, so track your transactions.
Tips for using your EBT card at an ATM#tips-for-using-your-ebt-card-at-an-atm
- Wiggle the card reader to check for fake skimming devices at ATMs—skimming is a common way benefits are stolen
- Cover the keypad when entering your PIN
- Change your EBT PIN frequently—ideally immediately before your monthly deposit arrives
Direct deposit for EBT cash benefits#direct-deposit-for-ebt-cash-benefits
In some states, you can get your cash assistance in a bank account instead of on an EBT card. This option can be appealing because it:
- Offers better protection against theft than EBT cards
- Makes it easier to pay bills electronically since all your money is in one place
- Helps you save on ATM fees with unlimited free withdrawals at your bank's ATMs (keep in mind that ATM’s that aren’t your bank’s can charge you $4 or more per transaction)
Many banks offer free accounts with direct deposit. Find a "Direct Deposit Enrollment Form" on your state human services website.
You can still use any remaining EBT card funds after setting up direct deposit.
States that offer direct deposit for cash benefits include:
Massachusetts#massachusetts
Direct deposit is the default for cash benefits if you have a checking or savings account. You can switch to an EBT card if needed.
California#california
CalWORKs (TANF), General Relief, Cash Assistance Program for Immigrants, Foster Care, and Refugee Cash Assistance recipients can sign up through their county office.
Colorado#colorado
You can choose to receive cash benefits on an EBT card, in a personal bank account, or on a prepaid debit card.
Missouri#missouri
Temporary Assistance cash, Supportive Services Payments, Blind Pension, Supplemental Aid to the Blind, and Supplemental Payments can be deposited directly into your bank account.
Looking for direct deposit information in your state? Contact your state's human services agency to learn more.
