12 ATMs With Free EBT Transactions (Near You!) - MoneyPantry (2025)

by Lauren Bennett - Verified & Updated June 20, 2023 (This post may contain affiliate links.)

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12 ATMs With Free EBT Transactions (Near You!) - MoneyPantry (1)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.

Table of Contents

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 And, if you qualify for TANF, you will receive automatic deposits to your EBT card, which can be withdrawn from ATMs for cash.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

Free EBT ATMs

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.

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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:

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

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

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.

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12 ATMs With Free EBT Transactions (Near You!) - MoneyPantry (2025)

FAQs

How to withdraw cash from EBT card NJ? ›

If you receive Work First New Jersey cash assistance, you can get cash and check your balance at any ATM with the Quest® logo. Follow the ATM instructions for scanning or entering your card. Enter your PIN. Choose the Cash Withdrawal or Balance Inquiry option.

What ATMs are free for EBT in California? ›

A coalition of California community groups and social service providers has announced that Bank of America, JPMorgan Chase, and Wells Fargo will now provide free ATM access nationwide to low-income California families who receive benefits via state-issued Electronic Benefits Transfer cards.

Where can I withdraw money from my EBT card in California? ›

At Automated Teller Machines (ATMs) displaying the QUEST ® logo found at banks, credit unions, malls, grocery stores, gas stations, and convenience stores. At Point of Sale (POS) devices found at the checkout counter of participating stores. Get cash back with purchase from some stores.

What ATMs are free for EBT in NY? ›

Nationwide, consumers with state-issued EBT cards won't be charged a fee for using an ATM belonging to Wells Fargo, Chase or Bank of America — even if they're not customers of those banks. ATM surcharges are already waived for EBT benefit recipients who use Citibank ATMs.

How to withdraw cash from EBT card NY? ›

Access Your Cash and SNAP Benefits

Cash benefits may also be accessed at participating ATM and authorized retail store locations. Your EBT card and Personal Identification Number (PIN) are used at authorized retail stores with your cash or SNAP benefits. Many retail stores also provide cash back with your purchase.

How to transfer ebt cash to PayPal? ›

Its not possible to transfer your government cash benefits from your EBT card into your PayPal account with your EBT card. It is possible to have your government benefits deposited into your PayPal account with PayPal Direct Deposit. There are several PayPal debit cards, which specific one do you have?

What ATM can I use my money network card for free? ›

Search for ATMs Without Fees

Use the search feature below to locate AllPoint®, MoneyPass® and Flagstar ATMs near you that won't charge fees. To get cash at the ATM, enter your PIN and select Checking.

What does surcharge free ATM mean? ›

A surcharge-free ATM does not assess transaction fees for withdrawals. If you one to withdraw cash, you won't have to worry about the ATM owner withholding a portion of your funds to cover the fee. This guide dives a bit more into ATM surcharges and how they work, along with a few key benefits of ATM banking.

Can I use my California EBT cash in another state? ›

A: The EBT card will work at any store or ATM that displays the Quest® symbol in California and the other 49 states in the United States, as well as the District of Columbia, the U.S. Virgin Islands and Guam. If you do not see the Quest® symbol, look for a sign that displays EBT, SNAP or Food Stamps.

Is CalFresh the same as EBT? ›

CalFresh (formerly known as Food Stamps) is for people with limited income, to pay for food at most stores. Benefits come on an EBT card that works like a debit card. CalFresh is a nutrition program, funded by the USDA, which also funds free lunches at schools and WIC.

Does Rite Aid accept EBT in NY? ›

Luckily for those who use government assistance, Rite Aid does accept EBT Cards for the most part. Moreover, the drugstore allows for the purchase of SNAP-approved items at its locations. However, where Rite Aid differs from other pharmacies is that it does not accept EBT payments to be made online.

What ATM doesn't charge a fee? ›

When you use an in-network ATM — one that your bank partners with — you usually do not pay a fee for the service. To find an in-network ATM, you can check your bank's website or look at the back of your ATM or debit card.

What is a quest symbol for an ATM? ›

The Quest® mark is the sign you will see on store doors, check-out lanes, and ATM machines that tells you that your EBT Card can be used at that store or machine.

Can I get cash off my EBT card at an ATM in Florida? ›

A transaction fee may be charged for cash withdrawals. A transaction fee is not allowed for purchases made with food assistance benefits. Florida provides you with 2 free “cash only” withdrawals per month. After the first 2, there is an 85¢ transaction fee for each additional “cash only” withdrawal.

How do I withdraw cash from my EBT card in MA? ›

Withdraw cash from an ATM machine.
  1. Make sure it's safe. Only use ATMs in clean, well-lit places.
  2. Know your balance.
  3. Follow the directions on the ATM screen.
  4. Insert your EBT card.
  5. Enter your secret PIN.
  6. Press Withdrawal.
  7. Press Checking.
  8. Enter the dollar amount you want.

Does ALDI take EBT in NJ? ›

Q: Can I buy non-SNAP products with cash or a debit card? A: Yes, we offer multiple payments on a single order so you can buy non-SNAP products with cash or a debit card. Q: Do all ALDI locations accept SNAP/EBT? A: Yes, every one of our locations has the option to pay with SNAP/EBT.

How to withdraw cash from EBT card PA? ›

To use your EBT card, you must enter your four digit numeric PIN into the ATM or POS. When you use your Pennsylvania EBT Card you have up to three chances to enter the right PIN.

Do food stamps roll over in NJ? ›

Information. Any benefits that clients have remaining in the Supplemental Nutrition Assistance Program (SNAP) Electronic benefit transfer (EBT) account at the end of the month will be carried over in the next month.

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