EBT Card Basics
EBT cards, also known as Electronic Benefit Transfer cards, are typically used to distribute government benefits such as SNAP (Supplemental Nutrition Assistance Program) or TANF (Temporary Assistance for Needy Families). These cards work like a debit card to purchase eligible items at authorized retailers.
Using EBT Card for Cash
While EBT cards are primarily used to buy food and non-alcoholic beverages, some states also allow recipients to withdraw cash from ATMs with their EBT cards.
- Not all states offer cash back options with EBT cards
- Check with your local Department of Social Services to see if cash withdrawal is allowed in your region
ATM Withdrawal Limits
If cash withdrawal is permitted in your state, there are usually limits on the amount you can withdraw in a single transaction. These limits can vary depending on the state and the type of benefits on your EBT card.
| State | Maximum ATM Withdrawal |
|---|---|
| New York | $100 per day |
| California | $200 per day |
Surcharge Fees
Some ATMs may charge a fee for cash withdrawals using an EBT card. These fees are typically in addition to any fees charged by your EBT card provider.
- Make sure to use ATMs that are surcharge-free to avoid unnecessary charges
- Check with your EBT provider for a list of surcharge-free ATMs in your area
Protecting Your PIN
Just like with a regular debit card, it’s important to protect the PIN associated with your EBT card. Keep your PIN secure and do not share it with anyone to prevent unauthorized access to your benefits or cash.
Reporting Lost or Stolen Cards
If your EBT card is lost or stolen, it’s crucial to report it immediately to prevent anyone from accessing your benefits or cash. Contact your EBT provider to request a replacement card and to protect your funds.
Closing Thoughts
While EBT cards are primarily designed for purchasing food and necessities, some states do allow recipients to withdraw cash from ATMs. If you are unsure about the cash withdrawal options available with your EBT card, contact your local Department of Social Services for more information.