If you receive cash benefits on your Electronic Balance Transfer (EBT) card, you’re able to withdraw cash at ATMs. However, some ATMs charge fees, which isn’t ideal.
Thankfully, there are several ATMs including those operated by well-known banks like Bank of America and Wells Fargo.
Below, we’ll cover ATMs that offer free EBT transactions. We’ll also cover those that do charge EBT fees, just to give you some more options in case you need your funds and can’t get to an ATM that has no fees.
What will I learn?
What are EBT cash benefits?
EBT cash benefits are any benefits that can be deposited to your Electronic Benefits Transfer (EBT) card.
While SNAP benefits can only be used to purchase eligible food and drink items at authorized retailers, cash benefits can be used for more general purposes, such as getting cashback and withdrawing money from an ATM.
The Electronic Benefits Transfer (EBT) card has been the sole way that governments have issued benefits including the Supplemental Nutrition Assistance Program (SNAP) benefits and Temporary Assistance for Needy Families (TANF) program benefits since June, 2004.
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EBT is used in all 50 states, the District of Columbia, Puerto Rico, the Virgin Islands, and Guam.
TANF is the main program that provides EBT cash benefits. And, if you qualify for TANF, you will receive automatic deposits to your EBT card, which can be withdrawn from ATMs for cash.
Where Can I Withdraw My EBT Cash Benefits?
Each state has its own requirements and ATMs where you will be able to withdraw your cash benefits.
Generally, you will be able to withdraw cash from ATMs at locations that display the QUEST logo and supported remarks such as “EBT Accepted Here.”
In most states, you cannot use your cash assistance EBT card at ATMs located at:
- Liquor stores
- Casinos or other gambling establishments
- Race tracks
- Adult entertainment establishments
- Medical marijuana dispensaries
- Tattoo or body piercing facilities
- Facilities providing psychic services
Free EBT ATMs
If you have an EBT card and get cash assistance benefits, you’ll be able to use your card to make cash withdrawals at ATMs.
Surcharge-free EBT ATMs are:
- Bank of America
- Bank of the West
- Capital One
- Flagstar Bank
- S. Bank
- Wells Fargo
Did you know that it’s not just ATMs that are operated by major national banks that do not charge EBT fees? There are also plenty of smaller, regional banks with ATMs that don’t charge fees.
One state that has more than 40 banks and credit unions that allow you to make EBT transactions at their ATMs is California. You can find the full list here.
To find these local banks and credit unions in your state, I would recommend that you contact a branch near you. Call them and ask if they charge any fees for EBT transactions at ATMs.
Free ATM Networks
There are many companies that operate nationwide surcharge-free ATM networks.
These can be found at:
- Some banks
- Some credit unions
- Retail stores
- Grocery stores
- Convenience stores
These networks partner with financial institutions to offer these ATM services. Now, it’s important to note that while the network itself doesn’t charge fees, its partner institutions might charge fees at some locations.
Don’t worry, if there are any fees charged, a message should appear on-screen that will ask you to accept these fees before you complete your transaction.
Here are the major surcharge-free ATM networks in the United States:
ATMs that Have EBT Transaction Fees
Now, it’s good that there are options if you’re looking to use your EBT at the ATM and don’t want to have to pay fees. After all, when you are struggling financially anyway, you want to save money whenever you can.
Sadly, many ATMS do indeed charge fees for EBT transactions, and this includes:
- Citizens Bank
- City National Bank
- Fifth Third Bank
- First National Bank
- M&T Bank
- Sterling National Bank
- TD Bank
- Valley National Bank
How to Find Free EBT ATMs Near You
You can try the ATM locations I mentioned above. But I have another tip for you. I would recommend visiting your state’s health/human resources/social department website. There, you can find specific information about using your benefits locally. For example, Arizona has an app that you can use to find nearby ATMs that accept EBT cards.
Here’s the site for each state:
- Alaska Temporary Assistance Program
- Association of Village Council Presidents
- Bristol Bay Native Association
- Cook Inlet Tribal Council, Inc.
- Kodiak Area Native Association
- Maniilaq Association
- Tanana Chiefs Conference
- Central Council Tlingit Haida Indian Tribes of Alaska (CCTHITA) TANF
- California Work Opportunity and Responsibility to Kids
- CTTP/Robinson Rancheria
- Graton Rancheria
- Hoopa Valley
- Karuk Tribe
- Morongo Band
- North Fork Rancheria
- Owens Valley Career Development Center
- Pechanga Band of Luiseño Indians
- Round Valley Indian Tribes
- Scotts Valley Band of Pomo Indians
- Shingle Springs Tribal TANF
- Soboba TANF
- Southern California Tribal Chairmen’s Association
- Tolowa Dee Ni’ Nation
- Torres Martinez Desert Cahuilla Indians
- Tuolumne Me-Wuk Tribal TANF
- Yurok Tribe
- Washoe Tribe of Nevada and California
District Of Columbia
- Montana Temporary Assistance for Needy Families
- Blackfeet Tribe Tribal Temporary Assistance for Needy Families (TANF)
- Oregon Temporary Assistance for Needy Families
- Confederated Tribes of the Siletz Reservation
- Klamath Tribes
- South Dakota Temporary Assistance for Needy Families
- Department of Social Services
- Sisseton – Wahpeton Oyate
- Washington TANF and WorkFirst Program
- Confederated Tribes of the Colville Reservation
- Lower Elwha Tribe
- Lummi Nation
- Nooksack Indian Tribe
- Port Gamble S’Klallam
- Quileute Indian Tribe (TANF)
- Quinault Indian Tribe
- Spokane Tribal TANF
- Tulalip Tribes
- Upper Skagit Indian Tribe
- South Puget Inter-Tribal Planning Agency
- Wisconsin Works (W-2) Program
- Bad River Band of Lake Superior Tribe of Chippewa
- Social & Family Services- Economic Support
- Lac du Flambeau Band of Lake Superior Chippewa Indians
- Health & Human Services- Economic Support Department
- Red Cliff Band of Lake Superior Chippewa Indians
- Red Cliff Family Human Services Division
- Stockbridge Munsee Community Band of Mohican Indians
- Human Services -Economic Support Department
If you want to use your EBT card to withdraw your cash benefits, try one of the fee-free EBT ATMs listed above. And, for more information, visit your state’s cash benefits page.