Having access to an ATM is crucial for managing your finances.
Whether you are to withdraw funds from a regular bank card or looking to cash out your Electronic Benefits Transfer (EBT) funds from your EBT card, you'd definitely need a nearby ATM for convenience.
So if you have cash benefits on your EBT card and want to withdraw it, you've come to the right spot. In this guide, I'll show you how to locate EBT ATMs near you.
What is an EBT ATM?
An EBT (Electronic Benefits Transfer) ATM is a specialized machine that allows the Supplemental Nutrition Assistance Program (SNAP) and other government assistance recipients to access their benefits as cash. While it's generally recommended to use EBT cards for purchases at authorized retailers, there might be times when cash is necessary.
Can I Withdraw Money from My EBT Card at an ATM?
Yes, you can withdraw money from your EBT card at an ATM. However, you'll need to make sure you have cash benefits on this card to withdraw them. You can't withdraw SNAP benefits at an ATM as they are meant to be used to purchase food at grocery stores.
Where Can I Withdraw Money from My EBT Card for Free?
You can freely withdraw funds from your EBT card at any Quest ATM, Alliance One, or MoneyPass ATM. Some banks and credit unions will also let you withdraw funds from your EBT card without incurring fees. We'll cover these later.
How to Find EBT ATMs Near You
Usually, when you have cash benefits on an EBT card, you should be able to withdraw them at any ATM. However, you'll only be allowed to make two free withdrawals per month and any withdrawal beyond this limit will cost you 85 cents per transaction.
Nevertheless, EBT limits and fees typically differ per state.
Coming back to our main point, you can use any of the following methods to find EBT ATMs near you:
1. Check Your EBT Card Issuer's Website
Your EBT card issuer website is your hub for using your card securely. They provide everything you need when it comes to managing the card.
With that said, most EBT card issuers provide online tools or mobile apps to help you locate nearby ATMs. All you need to do is to look for a "Find an ATM" or "ATM Locator" feature on their website, enter a zip code or address, and let the tool do its work in locating nearby ATMs.
2. Use Online ATM Locator Services
There are many ATM networks out there and most of them (usually the most popular) feature ATM locator tools to let you find their closest ATMs including those that accept EBT cards.
For example, an ATM network like MoneyPass features one of the most popular ATM locator tools that you can use to locate ATMs throughout the country.
3. Contact Your Local Department of Social Services
If you're having trouble finding an EBT ATM through any of the aforementioned methods, then you can reach out to your local Department of Social Services as a last resort. They will provide you with the guidance or assistance you need to find a nearby ATM.
Major Banks That Offer Free EBT ATM Withdrawals
Most of the giants in the banking sector are known for offering free EBT ATM withdrawals to all EBT card holders. Some of these include:
- Bank of America
- Citizens Bank
- JPMorgan Chase
- Bank of the West
- Capital One
- Citibank
- Flagstar Bank
- U.S. Bank
- Wells Fargo
Regional Banks and Credit Unions That Offer Free EBT ATM Withdrawals
Just as the leading banks, some regional banks, and country-based credit unions equally allow EBT cardholders to make free ATM withdrawals. They include:
- Sterling Bank And Trust
- Sun Community FCU
- Umpqua Bank
- Union Bank
- United Security Bank
- USPS FCU
- Yolo Federal Credit Union
What to Consider When Using EBT ATMs
When using EBT ATMs, you should be mindful of the following:
- Your EBT card must be activated before you can use it for withdrawals.
- Make sure the ATM you are using has either a Quest or MoneyPass logo.
- The number of free withdrawals you can make every month (which is, in most cases, two).
- The fees charged for withdrawals beyond the free withdrawal limit.
Final Thoughts
In the world we live in today, having access to cash is more than crucial.
In fact, every dollar counts—and that goes for those that come as electronic benefits as well. Thankfully, finding an EBT ATM near you should be a big deal if you go through the different methods shown in this guide.
Make sure you check with your EBT card issuer to know how many free withdrawals you can make from the card before even visiting an ATM.