Where can i withdraw money from my ebt card for free in california

How use your CAAP benefits

CAAP benefits are distributed via the Electronic Benefit Transfer (EBT) cards. The EBT card is used like a debit card with a four-digit PIN. 

  • Report a lost or stolen card: Call(877) 328-9677 or (415) 558-2227.
  • Check your EBT balance: Call (877)-328-9677 or visit ebt.ca.gov.
  • Protect your EBT: Always keep your PIN and EBT card number secret. If you receive a text or phone call asking for your card and PIN numbers, do not provide your information. Contact us immediately at (415) 558-2227.

Where to use your EBT card

  • California EBT Surcharge Free ATMs:List of retailers/banks with no surcharge
  • California EBT Locator: Includes grocery stores, farmer's market, daily cash limit, and surcharge.
  • More free or discount deals: Get deals for museums, utilities, transportation, legal advice, and more.

Two-party check/Direct Deposit

  • A two-party check may be used for a treatment program or housing provider. Call us for information at (415) 558-2227.

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List of ATMs near you where you can withdraw cash form your EBT card for free...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?

1

    • What are EBT cash benefits?
  • Where Can I Withdraw My EBT Cash Benefits?
  • Free EBT ATMs
  • Free ATM Networks
  • ATMs that Have EBT Transaction Fees
  • How to Find Free EBT ATMs Near You
    • Alabama
    • Alaska
    • Arizona
    • Arkansas
    • California
    • Colorado
    • Connecticut
    • Delaware
    • District Of Columbia
    • Florida
    • Georgia
    • Hawaii
    • Idaho
    • Illinois
    • Indiana
    • Iowa
    • Kansas
    • Kentucky
    • Louisiana
    • Maine
    • Maryland
    • Massachusetts
    • Michigan
    • Minnesota
    • Mississippi
    • Missouri
    • Montana
    • Nebraska
    • Nevada
    • New Hampshire
    • New Jersey
    • New Mexico
    • New York
    • North Carolina
    • North Dakota
    • Ohio
    • Oklahoma
    • Oregon
    • Pennsylvania
    • Rhode Island
    • South Carolina
    • South Dakota
    • Tennessee
    • Texas
    • Utah
    • Vermont
    • Virginia
    • Washington
    • West Virginia
    • Wisconsin
    • Wyoming
  • Closing Thoughts

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

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
  • Chase
  • Citibank
  • 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:

  • Allpoint
  • MoneyPass
  • PULSE
  • TransFund

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:

  • Ally
  • BB&T
  • Citizens Bank
  • City National Bank
  • Discover
  • Fifth Third Bank
  • First National Bank
  • HSBC
  • M&T Bank
  • PNC
  • Sterling National Bank
  • SunTrust
  • 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:

Alabama

  • Alabama Family Assistance Program

Alaska

  • 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

Arizona

  • Arizona Cash Assistance
  • Navajo Nation

Arkansas

  • Arkansas Temporary Assistance for Needy Families

California

  • 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

Colorado

  • Colorado Works

Connecticut

  • Temporary Family Assistance

Delaware

  • Temporary Assistance for Needy Families (TANF)

District Of Columbia

  • District of Columbia Temporary Assistance for Needy Families

Florida

  • Florida Temporary Cash AssistanceVisit disclaimer page

Georgia

  • Georgia Temporary Assistance for Needy Families

Hawaii

  • Hawaii Temporary Assistance for Needy Families

Idaho

  • Temporary Assistance for Families in Idaho
  • Coeur d’Alene
  • Nez Perce
  • Shoshone-Bannock

Illinois

  • Illinois Temporary Assistance for Needy Families

Indiana

  • Indiana Temporary Assistance for Needy Families

Iowa

  • Iowa Family Investment Program
  • Department of Human Services

Kansas

  • Kansas Department for Children and Families
  • Prairie Band Potawatomi Nation

Kentucky

  • Kentucky Transitional Assistance Program

Louisiana

  • Family Independence Temporary Assistance

Maine

  • Maine Temporary Assistance for Needy Families

Maryland

  • Temporary Cash Assistance

Massachusetts

  • Transitional Aid to Families with Dependent Children (TAFDC)

Michigan

  • Michigan Cash Assistance 

Minnesota

  • Minnesota Family Investment Program

Mississippi

  • Mississippi Temporary Assistance for Needy Families

Missouri

  • Missouri Temporary Assistance (TA)

Montana

  • Montana Temporary Assistance for Needy Families
  • Blackfeet Tribe Tribal Temporary Assistance for Needy Families (TANF)

Nebraska

  • Nebraska Temporary Assistance for Needy Families
  • Omaha Tribe of Nebraska

Nevada

  • Nevada Temporary Assistance for Needy Families
  • Washoe Native TANF Program

New Hampshire

  • New Hampshire Financial Assistance to Needy Families

New Jersey

  • Work First New Jersey

New Mexico

  • New Mexico Temporary Assistance for Needy Families

New York

  • New York Temporary Assistance
  • New York City Cash Assistance

North Carolina

  • North Carolina Work First
  • Eastern Band of Cherokee Indians

North Dakota

  • North Dakota Temporary Assistance for Needy Families

Ohio

  • Ohio Works First (OWF)

Oklahoma

  • Oklahoma Temporary Assistance for Needy Families
  • Cherokee Nation
  • Muscogee Creek Nation
  • Osage Nation

Oregon

  • Oregon Temporary Assistance for Needy Families
  • Confederated Tribes of the Siletz Reservation
  • Klamath Tribes

Pennsylvania

  • Pennsylvania Temporary Assistance for Needy Families

Rhode Island

  • Rhode Island Works

South Carolina

  • South Carolina TANF/Family Independence (FI)

South Dakota

  • South Dakota Temporary Assistance for Needy Families
  • Department of Social Services
  • Sisseton – Wahpeton Oyate

Tennessee

  • Tennessee Families First

Texas

  • Texas Temporary Assistance for Needy Families
  • Texas Health and Human Services

Utah

  • Utah Financial Assistance

Vermont

  • Reach Up in Vermont

Virginia

  • Virginia Temporary Assistance for Needy Families

Washington

  • 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

West Virginia

  • West Virginia Works Program
  • WVpath

Wisconsin

  • 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

Wyoming

  • Wyoming TANF/Personal Opportunities With Employment Responsibility

Closing Thoughts

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.

What ATMs are free for EBT in California?

Bank of America and JP Morgan Chase will provide free ATM access to low-income families receiving benefits via their electronic benefits transfer (EBT) cards, joining several smaller banks and credit unions that already provide ATM access without surcharges.

Where can I pull money off my EBT card for free?

At Automated Teller Machines (ATMs) displaying the QUEST ® logo found at banks, credit unions, malls, grocery stores, gas stations, and convenience stores.

How do I withdraw money from my EBT card in California?

Step 1 Insert or swipe your card in the ATM. Step 2 Enter your four-number Personal Identification Number (PIN) on the keypad and press the “OK” or “ENTER” key. Step 3 Select “WITHDRAW CASH” and then select “CHECKING.” (Some ATMs use different words.)

Can you take cash out of EBT card?

All states issue Supplemental Nutrition Assistance Program (SNAP) formerly known as food stamps, through EBT cards. SNAP benefits can only be used to purchase food items and cannot be used to withdraw cash.