How to withdraw cash from your EBT card

Your EBT card works like a debit card at ATMs and stores. You can withdraw cash using your PIN at any ATM that displays your card's logo — usually Visa, Mastercard, or a state-specific symbol. The amount you can withdraw depends on your state's rules and your account balance. Most states let you withdraw between $20 and $100 per transaction, though some allow more. You'll need to know your four-digit PIN to complete the withdrawal.

Cash withdrawals come from your TANF (Temporary information for Needy Families) balance if you receive that benefit, not from your food benefits. Food benefits stay on your card and can only be used at stores for may be able to access food items. If you receive only SNAP (food benefits), your card may not allow cash withdrawals at all — that depends on your state.

Key Takeaways

  • Cash withdrawals from your EBT card use your TANF balance, not your food benefits, and require your four-digit PIN at an ATM.
  • Not all states allow cash withdrawals, and those that do set different limits per transaction — check your state's EBT program rules to learn yours.
  • ATMs that accept your card's network (Visa, Mastercard, or your state's logo) will display that symbol on the machine.
  • Some ATMs charge a fee for the withdrawal, which comes out of your TANF balance; your receipt will show the fee amount.

Finding an ATM that accepts your EBT card

Look for an ATM with your card's logo on it. Most EBT cards display Visa or Mastercard branding, or your state's specific symbol. The easiest way to find one is to use the ATM locator on your card issuer's website — your state's EBT program website lists the issuer's name and contact information.

You can also ask a cashier at any grocery store or bank whether they have an ATM that accepts your card. Many grocery stores, pharmacies, and convenience stores have ATMs in-store. If you're unsure whether an ATM will work, you can insert your card and see if it prompts you for your PIN — if the machine doesn't recognize your card, it will reject it without charging a fee.

Entering your PIN and completing the withdrawal

Insert your EBT card into the ATM slot, just as you would a regular debit card. The machine will ask you to enter your four-digit PIN. If you don't remember your PIN, contact your state's EBT customer service line — the number is on the back of your card. They can reset it or send you a new one by mail.

After you enter your PIN, select "Withdrawal" and choose the amount you want. The ATM will show you the maximum you can withdraw based on your account balance and your state's per-transaction limit. Take your card and receipt before the cash comes out. Your receipt shows the amount withdrawn, any fees charged, and your remaining balance.

ATM fees and how they affect your balance

Some ATMs charge a fee for using them — typically $1 to $3 per withdrawal. This fee comes directly out of your TANF balance. ATMs owned by banks usually don't charge fees if you use their network, but ATMs in stores, bars, or other locations often do. The ATM screen will tell you the fee amount before you complete the withdrawal, so you can cancel if you don't want to pay it.

Out-of-network ATM fees add up quickly if you withdraw cash frequently. If you can, use ATMs from your card issuer's network to avoid fees. Your state's EBT website lists which banks and networks participate in your state's program.

Daily and monthly withdrawal limits

Your state sets a maximum amount you can withdraw per transaction and per day. Most states allow $100 to $500 per day, but this varies. Some states have no daily limit but set a monthly cap instead — for example, $1,000 per month. Check your state's EBT program website or call the customer service number on your card to learn your specific limits.

If you try to withdraw more than your limit allows, the ATM will reject the transaction. You can try again with a smaller amount. Your card will not be locked or penalized for attempting a withdrawal over your limit.

What to do if the ATM keeps your card

If an ATM doesn't return your card after a transaction, contact your state's EBT customer service line right away. The number is on the back of your card. Tell them which ATM took your card and when. They can cancel that card and mail you a replacement, usually within 7 to 10 business days.

While you wait for the replacement, you can still use your benefits. Call customer service and ask whether they can issue a temporary card number or arrange for you to pick up a replacement in person at a local office. Some states offer this option; others do not.

Checking your balance and transaction history

You can check your TANF balance and see your recent withdrawals by calling the customer service number on your card. Many states also offer online portals or mobile apps where you can log in with your card number and PIN. Your receipt from each ATM withdrawal also shows your remaining balance.

Keep your receipts so you can track your spending and catch any unauthorized withdrawals. If you see a withdrawal you didn't make, report it to customer service when ready. Your state's EBT program has fraud protection rules, and customer service can investigate the charge.

Frequently Asked Questions

Can I withdraw cash from my food benefits?

No. Cash withdrawals only come from your TANF balance. Food benefits stay on your card and can only be used to buy may be able to access food at stores. If you receive only SNAP, your card may not allow cash withdrawals at all.

What happens if I forget my PIN?

Call the customer service number on the back of your card. They can reset your PIN over the phone or mail you a new one. You'll need to answer security questions to confirm your identity. The process usually takes a few minutes if you reset by phone.

Do all states allow cash withdrawals from EBT cards?

No. Some states do not offer cash withdrawal from TANF benefits. Check your state's EBT program website or call customer service to find out whether your state allows it and what the limits are.

Can I withdraw cash at a store instead of an ATM?

Some stores offer cash back when you use your EBT card to buy something, similar to a debit card. Ask the cashier whether they offer this service. Cash back usually has no fee, but you have to make a purchase to use it.

What should I do if an ATM charged me a fee I didn't expect?

Contact your state's EBT customer service and explain what happened. If the fee was clearly displayed before you completed the withdrawal, the program usually cannot reverse it. If the fee was not disclosed, customer service may be able to help. Keep your receipt as proof.