EBT Card Benefits: How Often Can You Withdraw Money for Free?

The Electronic Benefit Transfer (EBT) Card is a lifeline for many individuals and families receiving financial aid, mainly through the Supplemental Nutrition Assistance Program (SNAP). 

Like a debit or credit card, the EBT Card facilitates transactions once the funds have been deposited into the account. While it offers crucial support, it comes with certain restrictions and rules that cardholders should be aware of to maximize its benefits.

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How EBT Cards Work

EBT Cards are typically loaded with benefits at the beginning of each month, with the exact date varying based on the recipient’s case number. 

These benefits can be used for food and cash assistance, but the card is programmed only to allow purchases of approved items. This ensures the aid is used for its intended purpose – providing essential sustenance.

State laws dictate that EBT Cards cannot be used at specific types of businesses, including bars, casinos, jewelry stores, and manicurists, among others. 

These restrictions are in place to prevent the misuse of benefits and to maintain the integrity of the program. Cardholders should be aware of these limitations to avoid unintentional misuse.

EBT Cards can withdraw cash benefits at ATMs nationwide, but this comes with certain restrictions and potential fees. It’s essential to understand these nuances to manage your benefits effectively. Transaction fees may apply for cash withdrawals, but they are not allowed for purchases made with food assistance benefits (SNAP).

For example, in Florida, recipients are provided with two free “cash-only” withdrawals per month. After the first two, an 85-cent transaction fee is charged for each additional “cash-only” withdrawal. 

Some stores and banks may also impose surcharges when using their ATMs or point-of-sale (POS) machines to withdraw cash. To avoid these surcharges, cardholders can choose other locations that do not charge such fees.

In California, the Health and Human Services Agency Department of Social Services allows recipients to make four monthly cash withdrawals from an ATM or POS without a transaction fee. 

After the fourth withdrawal, an 80-cent transaction fee is applied for each additional ATM withdrawal. Notably, purchases and purchases with cashback do not count towards the four cash withdrawals, and there is no transaction fee for using the card at a point of sale (POS). However, checking your balance at an ATM may result in a 25-cent charge.

It’s crucial to recognize the limitations and benefits of the EBT Card to make the most of its resources. For many recipients, the card is a valuable tool that allows them to provide for their families with dignity. 

One cardholder expressed their appreciation, stating, “I appreciate having the EBT Card because it allows me to purchase food for my family without feeling ashamed or embarrassed. It’s just like using a regular debit card, and it helps me provide for my loved ones.”

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