Free ATM Access for EBT Users: Find Out Where You Can Withdraw Cash Without Fees

For millions of Americans relying on the Supplemental Nutrition Assistance Program (SNAP) benefits, accessing cash is a crucial part of managing their finances. The Electronic Benefit Transfer (EBT) card is the primary means through which SNAP beneficiaries receive their benefits. While EBT cards are widely accepted at grocery stores and authorized retailers, finding free ATMs for cash withdrawals can sometimes be a challenge. In this article, we will guide you on where to find free ATMs for EBT transactions, making it easier for you to manage your finances without incurring additional fees.

Understanding EBT and ATM Usage

The EBT system functions much like a regular debit card, allowing SNAP recipients to purchase eligible food items at approved locations. However, the EBT card also permits beneficiaries to withdraw cash from ATMs. When using an ATM with your EBT card, there are typically fees associated with these transactions. These fees can vary depending on the ATM network and the financial institution that issued your EBT card.

ATM Networks with Free EBT Withdrawals

To avoid ATM fees and make the most of your SNAP benefits, it’s essential to know which networks offer free EBT withdrawals. The most common ATM networks providing fee-free access to EBT cash are:

  1. Allpoint: Allpoint is a leading ATM network with over 55,000 ATMs worldwide. They have partnered with many retailers and stores, such as Target, CVS, Walgreens, and Kroger, to offer surcharge-free EBT transactions.
  2. MoneyPass: With over 32,000 ATMs across the United States, MoneyPass is another network providing free EBT withdrawals. Many major retailers and banks participate in this program, ensuring convenient access to cash without fees.
  3. Comdata: Comdata’s EBT Edge program offers fee-free cash withdrawals for EBT cardholders. They have a significant presence in various retail locations, making it easier for beneficiaries to access their funds.
  4. State-Operated EBT ATMs: Some states operate their own ATM networks for EBT transactions. These state-run ATMs often provide free cash withdrawals for EBT users, especially in areas with limited banking services.

Locating Free EBT ATMs

Finding a nearby free ATM for your EBT transactions is now easier than ever. There are several ways to locate ATMs that offer fee-free withdrawals:

  1. Online Locator Tools: Both Allpoint and MoneyPass have online ATM locator tools that allow you to find nearby ATMs participating in their networks. Simply enter your location or ZIP code, and the tool will display the closest fee-free ATMs.
  2. EBT Mobile Apps: Some states have developed dedicated EBT mobile apps that not only show the nearest retailers accepting EBT but also free ATMs for cash withdrawals.
  3. Contact EBT Customer Service: If you’re having trouble finding free ATMs in your area, consider reaching out to your EBT customer service helpline. They can provide you with a list of ATMs offering fee-free withdrawals.


Accessing cash without incurring fees is essential for EBT cardholders managing their SNAP benefits. By using the right ATM networks and available locator tools, you can find nearby ATMs that offer free EBT cash withdrawals. Maximize the value of your SNAP benefits by utilizing these fee-free options and gain more control over your finances. Remember to plan ahead and utilize the resources available to make the most of your EBT card.