EBT cash is money you can spend almost anywhere, unlike food stamps
EBT cash — the cash portion of your benefits, sometimes called TANF (Temporary information for Needy Families) — works like a debit card. You can use it to buy things that food stamps cannot cover. The rules are much looser than SNAP, but there are still limits on what counts.
The key difference: SNAP (food stamps) has a strict list of what you can purchase. EBT cash has almost no restrictions on what you buy, but the money itself comes with conditions on how you earn it and what you report. If you receive both SNAP and TANF, keep them separate in your mind — they are two different programs with two different cards.
Key Takeaways
- EBT cash can be used to buy groceries, household items, clothing, utilities, rent, and childcare — almost anything except alcohol and tobacco.
- You cannot use EBT cash at bars, casinos, or for gambling of any kind, and some states block purchases at liquor stores entirely.
- EBT cash is tracked by your state, and you must report any income or changes in your household to keep receiving it.
- ATM withdrawals are allowed in most states, but you will pay a fee and lose the record of what you spent the money on.
- If you lose your card or it is stolen, contact your state's EBT customer service line when ready to freeze the account.
What EBT cash covers in everyday spending
You can use EBT cash at any store that accepts debit cards — grocery stores, pharmacies, gas stations, clothing retailers, and general merchandise stores. The money spends like regular cash, so there is no list of approved items the way there is with SNAP. You can buy diapers, soap, shampoo, light bulbs, tools, or a winter coat without restriction.
Utilities, rent, and childcare are common uses. Many people set up automatic payments for electric, water, or gas bills using their EBT card. Landlords can accept EBT payments if you arrange it with them directly. Childcare providers and daycare centers often take EBT cards as payment. You can also use the card to pay for phone service, internet, or other household expenses.
Medical expenses not covered by Medicaid — like over-the-counter medications, glasses, or dental work — can be paid with EBT cash. Some states allow you to use it for transportation costs like bus passes or car repairs, though this varies by state.
What you cannot buy with EBT cash
Alcohol and tobacco are the main prohibited items. You cannot use EBT cash at liquor stores, bars, or to purchase beer, wine, or spirits. Some states block the card entirely at liquor stores, while others allow you to buy non-alcoholic items there but not the alcohol itself. Tobacco products — cigarettes, cigars, chewing tobacco — are also blocked at checkout.
Gambling is completely off-limits. You cannot use EBT cash at casinos, racetracks, lottery ticket counters, or online gambling sites. If a merchant codes as a casino or gambling establishment, your card will be declined. Hot food from a deli counter or restaurant is also blocked — you can buy cold prepared foods from a grocery store, but not a meal from a restaurant or fast-food counter.
Some states add restrictions on things like gym memberships or entertainment venues. Check your state's TANF rules if you are unsure whether a specific purchase will go through.
ATM withdrawals and cash-back options
Most states allow you to withdraw cash from an ATM using your EBT card, but you will pay a fee — usually $1 to $3 per withdrawal depending on your state and the ATM network. Some states cap the number of free withdrawals per month, typically two to four. Once you withdraw cash, you lose the record of what you spend it on, and your state cannot track it.
Cash-back at the register is often free. When you buy something at a grocery store or retailer, you can ask for cash back and avoid the ATM fee. This is a better option if you need spending money and want to keep your transaction history clear.
How your spending is monitored
Your state tracks what you buy and where you buy it. This is not to police your choices — it is to make sure the card is being used and not stolen. If you make unusual purchases or your card is used in a different state, your account may be flagged for review. You will be contacted if there is a question.
You are required to report changes in your income, household size, or living situation to keep receiving TANF. If you start working, your benefits may be reduced or end, depending on your earnings and your state's rules. Lying about your income or hiding work can result in overpayment, which you will have to repay.
What happens if your card is lost or stolen
Call your state's EBT customer service line when ready — the number is on the back of your card. They will freeze your account so no one else can use it. You will be issued a replacement card, usually within 7 to 10 business days. Some states offer emergency cash while you wait for the new card.
If fraudulent charges appear on your account, report them right away. Your state will investigate and may reverse the charges. Keep your PIN private and never share it with anyone, even family members.
State-by-state differences in what you can buy
Most states follow the same basic rules — no alcohol, tobacco, or gambling — but some add their own restrictions. A few states block purchases at certain types of stores or limit what you can spend on. Your state's TANF program website lists the specific rules for your area.
If you move to a different state, your benefits do not automatically transfer. You will need to reapply in your new state, and the rules may be different. Contact your new state's TANF office within 30 days of moving to start the process.
Frequently Asked Questions
Can I use EBT cash to pay bills online?
Yes, most utilities and service providers accept EBT cards for online payments. Enter your card number like you would a debit card. Some billers may not recognize it, so call ahead if you are unsure. You can also set up automatic payments if the company allows it.
What if my EBT card is declined at a store?
The most common reasons are insufficient funds, a blocked merchant category (like a liquor store), or a technical issue. Check your balance by calling customer service or using your state's online portal. If the balance is correct, the merchant type may be blocked in your state — try a different store or contact your state's EBT line.
Can I use someone else's EBT card?
No. EBT cards are issued to one person and should only be used by that person. Using someone else's card is fraud and can result in criminal charges and repayment of benefits. The cardholder is responsible for all charges on their card.
Do I have to report what I buy with EBT cash?
You do not have to report individual purchases. Your state tracks your spending to detect fraud, but you are not required to justify what you buy. You do have to report changes in income, employment, or household size that affect your TANF benefits.
Can I use EBT cash out of state?
Yes, your card works at most retailers and ATMs across the country. However, some ATM networks may charge higher fees out of state. Your state's EBT system will still track your account, and you must continue to report changes to your state's TANF office even if you are traveling.