When you have an EBT card and receive cash assistance benefits (rather than food benefits like SNAP), you can use the card at ATMs to make cash withdrawals.
Many ATMs charge fees for EBT transactions, but there are a number of banks and ATM networks that offer fee-free EBT withdrawals to ensure that recipients can access the funds they need.
Below, I explain how to find surcharge-free ATMs in your state and list the major banks that may have free EBT ATM transactions near you.
Finding Surcharge-Free EBT ATMs
Surcharges for EBT transactions at ATMs vary by location. For example, a bank may offer surcharge-free withdrawals within a certain county or at half of its ATMs within a particular state.
The best way to find surcharge-free ATMs near you is to check with your benefits agency.
The following states provide public lists of surcharge-free ATMs:
If you live in a state that doesn’t provide a list of surcharge-free ATMs, you can find this information in your EBT cardholder portal or by contacting your benefits agency.
Our related research lists each state’s portal and contact details.
Note that your state may also charge its own fees (outside of ATM surcharges) when you make EBT withdrawals.
We checked with various state benefits agencies and found that the following national and regional banks or ATM networks offer at least some surcharge-free ATM locations for EBT transactions.
Remember that in-network ATMs vary by state, so it’s best to check with your benefits agency or the specific location you plan to visit before withdrawing cash.
You should also pay close attention to any fee notices that pop up on the ATM’s screen in order to avoid unexpected charges.
- Bank of America
- Bank of the West
- Capital One
- Citizens Bank
- Flagstar Bank
- M&T Bank
- PNC Bank
- PULSE Network
- TD Bank
- U.S. Bank
- Wells Fargo
There may be additional independent ATMs and local banks or credit unions in your area that don’t charge EBT fees. Contact your benefits agency to find out about these options.
If there are few surcharge-free ATMs in your area or you want to avoid ATM fees altogether, you may have the option to receive your cash assistance benefits through direct deposit rather than on an EBT card.
Availability varies by state, so contact your benefits agency to see if you’re eligible for direct deposit.
You may also be able to get cash back from your EBT card at a store. See my related research for more information about getting cash back from an EBT card.