Millions of Americans rely on government assistance programs like the Supplemental Nutrition Assistance Program (SNAP) and Temporary Assistance for Needy Families (TANF) to meet their daily needs.
These benefits are distributed through Electronic Benefit Transfer (EBT) cards, which work much like debit cards. However, not all benefits work the same way—especially when it comes to withdrawing cash.
So, can you use an EBT card to get cash? The answer depends on whether you receive SNAP or TANF benefits. Here’s a breakdown of how each program works and what you need to know about accessing your funds.
SNAP Benefits: Strictly for Food Purchases
SNAP, formerly known as food stamps, helps low-income individuals and families buy food. These benefits are deposited monthly into EBT accounts and can be used only for specific food items.
Cash Withdrawals: Not Allowed
SNAP benefits cannot be withdrawn as cash. You can use your EBT card at participating grocery stores and farmers markets, but only to purchase eligible food items such as:
- Fruits and vegetables
- Bread and cereals
- Meat, fish, and poultry
- Dairy products
- Seeds and plants that produce food
You cannot use SNAP to buy:
- Alcohol or tobacco
- Vitamins and supplements
- Hot food or prepared meals
- Non-food items like soap, paper products, or pet food
For more information about SNAP benefit restrictions, visit the USDA Food and Nutrition Service website.
TANF Benefits: Cash Assistance You Can Withdraw
TANF is designed to provide financial aid to low-income families with children. Unlike SNAP, TANF benefits can be withdrawn as cash using your EBT card.
Cash Withdrawals: Allowed
If you are receiving TANF benefits, you can:
- Withdraw cash from an ATM that accepts EBT cards
- Get cashback at retail locations when making a purchase
- Use the card at stores that accept debit cards
This flexibility makes TANF especially helpful for covering a wider range of expenses such as rent, utilities, clothing, and transportation.
However, some states have implemented restrictions on where TANF cash can be withdrawn or spent. For example, it’s illegal in many states to use TANF funds in places like casinos, liquor stores, or adult entertainment venues.
Fees and Limits to Know About
Although TANF allows for cash withdrawals, there are a few caveats:
- ATM fees may apply. Some ATMs charge for EBT withdrawals.
- States may limit free withdrawals. For example, Florida allows two free cash withdrawals per month. After that, each withdrawal costs $0.85. Details are available on Florida’s Department of Children and Families website.
- Retailer policies vary. Not all stores offer cashback, and some may impose their own fees.
Always check your EBT balance and fees via your state’s EBT customer service portal or the toll-free number on the back of your EBT card.
How to Check Your Benefit Type
Before attempting a withdrawal, make sure you know what type of benefits you receive. Some people may qualify for both SNAP and TANF, but only the TANF portion of your balance can be withdrawn as cash.
Your EBT account is usually divided into two parts:
- SNAP Balance: Restricted to food purchases
- TANF or Cash Balance: Usable for cash withdrawals and general spending
You can view both balances by logging into your state’s EBT portal or using the mobile app associated with your EBT provider.
Final Thoughts
Using an EBT card may seem simple, but knowing the limitations of your benefits can help you avoid frustration and unexpected fees. If you’re only receiving SNAP, you won’t be able to withdraw cash. But if you’re receiving TANF, you have broader financial flexibility—including the ability to access cash through ATMs and retailers.
This article has been carefully fact-checked by our editorial team to ensure accuracy and eliminate any misleading information. We are committed to maintaining the highest standards of integrity in our content.
Himanshu Sharma writes for Weekend Spy, focusing on recruitment, government schemes, and current affairs. He is dedicated to making complex information accessible to readers.
Himanshu enjoys playing chess, hiking, and trying new recipes, always seeking ways to combine his love for writing with his passion for exploration. Connect with Drop him an email at [email protected].
