If you rely on an EBT (Electronic Benefits Transfer) card for SNAP or TANF benefits, finding an ATM nearby that accepts your card is crucial. Not all ATMs support EBT transactions, and even fewer allow for EBT cash withdrawals without added fees. This guide will help you understand where to go, what to look for, and how to avoid unnecessary charges.
Can You Use EBT at ATMs?
Yes — EBT cards work at many ATMs across the U.S., but usage depends on the benefits you’re receiving:
- SNAP (Food Stamps): Only allows purchases of eligible food items. You cannot withdraw cash using SNAP.
- TANF (Cash Assistance): Allows cash withdrawals at participating ATMs, including through cashback at some retailers.
If your benefits include TANF, you can likely use your EBT card at an ATM to withdraw cash.
Which ATMs Accept EBT Cards?
Here are common ATM networks and locations where EBT cards are typically accepted:
- Bank ATMs: Many major banks like Bank of America, Chase, and Wells Fargo accept EBT for cash withdrawals. However, they may charge a fee if you’re not a customer.
- Retail ATMs: ATMs inside grocery stores, convenience stores, or big-box retailers (like Walmart) often accept EBT cards and may have lower fees.
- Surcharge-Free Networks: Some ATMs, especially those in the MoneyPass, Allpoint, or Co-op networks, offer fee-free withdrawals for EBT users depending on your state.
Learn more about typical ATM withdrawal limits to avoid transaction declines.
How to Find EBT-Friendly ATMs Near You
If you’re wondering “where can I find an EBT ATM near me?”, here are a few practical tools:
- EBT ATM Locator: Your state’s EBT website may provide a map of participating ATMs.
- Retail Chains: Stores like Walmart, Kroger, and 7-Eleven often host EBT-accepting ATMs.
- ATM Locators: Use your card issuer’s ATM locator, such as those from Allpoint or MoneyPass.
- Local Government Resources: Check with your local human services office for updated lists of nearby ATMs that accept EBT.
If you’re unsure whether an ATM has available cash, our guide on finding an ATM near you with cash may also help.
Tips to Avoid Fees on EBT Withdrawals
Most states allow a limited number of free EBT withdrawals per month. After that, you may be charged a fee — both from the ATM operator and your state agency. To avoid this:
- Use in-network ATMs: These are designated by your EBT program as surcharge-free.
- Withdraw larger amounts less often: Fewer transactions reduce your chances of hitting monthly free-use limits.
- Look for no-fee ATMs: These machines won’t charge you for making a withdrawal, even if you’re not a customer.
Can You Get Cash Back with EBT at Stores?
Yes. Many retailers allow you to get cashback when using your EBT card for eligible purchases — especially if you receive TANF benefits. This can be a smart alternative to ATM use and often comes without any fees.
Read more about EBT cash withdrawal options if you want more ways to access your funds beyond ATMs.
Final Thoughts
Finding an ATM that accepts EBT cards near you doesn’t have to be difficult. Stick to well-known locations, use ATM locators when possible, and stay within your monthly free-use limits. If you often rely on cash, it’s also worth learning which ATMs near you are the most dependable and fee-free.
If in doubt, check your EBT program’s website or contact your local benefits office for the most accurate and up-to-date information.