Thank you everyone for all this great advice! I'm going to try going inside a bank first, and then use the grocery store cash back option as backup. I had no idea about the 4 free withdrawals either so I'll definitely start keeping track of those. Really appreciate all the help!

Another option that's worked well for me is using the EBT card at certain pharmacies like CVS or Walgreens - they often allow cash back up to $100-200 with just a small purchase, and there's usually no fee since it's processed as a debit transaction rather than an ATM withdrawal. Also, if you have a local credit union, they sometimes have partnerships with EBT programs that offer higher withdrawal limits and fewer fees than the big banks. It's worth calling around to ask about their EBT policies. The whole fee structure is definitely frustrating when you're just trying to access your own benefits!

I'm a case manager at a local nonprofit and see families in your exact situation daily. Here's what I tell everyone: apply for EVERYTHING at once, don't wait. You mentioned you're already on CalFresh - when you report your rent increase to them (which you absolutely should do ASAP), ask specifically about the Homeless Prevention Services program. Many people don't know this exists but it can provide up to $5,000 for rent/deposits when you're at imminent risk of homelessness. Also, Sacramento County has a Flexible Housing Pool that specifically helps working families avoid eviction - the income limits are higher than most programs since you're employed. And here's something most people miss: if your daycare is federally funded or receives state grants, you might qualify for their employee hardship funds. I've helped several childcare workers access these. Finally, document EVERYTHING - save all your rent notices, income stubs, and application confirmations. Having organized paperwork speeds up every single program. You're going to get through this!

I'm really sorry you're dealing with this housing crisis - it's happening to so many working families right now and it's absolutely heartbreaking. Reading through all these responses, it sounds like you've gotten some amazing advice about programs I didn't even know existed! One thing I wanted to add that I haven't seen mentioned yet - if you end up having to move, look into the Homekey Program. It's newer and provides permanent supportive housing for people transitioning out of homelessness or at risk of becoming homeless. The eligibility requirements might be different than traditional housing programs and could be worth checking out given your situation. Also, since you mentioned working at a daycare, you might want to reach out to the California Child Care Resource and Referral Network - they sometimes have emergency assistance specifically for childcare providers that isn't widely advertised. You're being incredibly proactive by exploring all these options, and I really hope some of these programs come through for you quickly. Your kids are lucky to have a mom who's fighting so hard to keep them housed and fed. Sending you all the positive energy - please keep us updated on how things go with these applications!

I just want to add that if you're still hesitant about applying, you can also call 2-1-1 (just dial 2-1-1 from any phone) and they can connect you with local resources and sometimes even help you fill out the application over the phone. They're really helpful and can answer questions about your specific situation without any commitment. Also, if you do apply and get approved, remember that you can use your EBT benefits to buy seeds and plants that produce food - so if you have any space for a garden, that can stretch your benefits even further. With your family's income and expenses, especially that high rent, you're very likely to qualify for a meaningful amount. Don't let the imperfect calculators discourage you from applying!

I went through this exact same situation about 6 months ago! Family of 4, similar income range, and I was SO frustrated trying to get a straight answer about benefit amounts. Here's what I learned: forget the online calculators - they're basically worthless. I ended up applying without knowing what we'd get, and we were approved for $298/month. With your rent being so high ($1,900) and having childcare costs, you'll likely get a decent amount because those are both major deductions. The application process was way easier than I expected - mostly just uploading photos of pay stubs, lease agreement, and utility bills. If you're on the fence, just think about it this way: even if you only got $200/month, that's $2,400 a year in groceries you wouldn't have to pay for out of pocket. That's worth an hour of paperwork, right? Go for it!

Wow, this thread is so helpful! I'm actually in a similar situation - planning to move from Fresno to Los Angeles in a few months and was dreading having to reapply. Reading about everyone's experiences gives me hope that the ICT process might actually work. @Elin Robinson - definitely keep us updated on how your transfer goes! And @Morita Montoya thanks for the insider tips about staying on top of the process. I'm going to save this whole thread as a reference guide for when it's time for my move. It's crazy how much this process varies between counties - seems like some are way better at handling transfers than others. Really appreciate everyone sharing their real experiences instead of just the official policy stuff!

Just want to add my experience moving from San Joaquin to Kern County last fall - the ICT process worked perfectly! No gaps in benefits at all. The key thing that helped me was keeping my case worker's direct phone number from San Joaquin and texting them updates throughout the move. They were super responsive and even called Kern County directly to make sure my file transferred properly. Also pro tip: take screenshots of your current benefit amount and certification period before you move, just in case there are any discrepancies after transfer. San Diego County is usually pretty good with ICTs from what I've heard, so you should be fine. Good luck with your move and new job!

Update: I tried using the fruit & veggie benefit today at Walmart! It worked perfectly - bought some apples, frozen broccoli, and canned tomatoes. The cashier didn't need to do anything special, and when I checked my EDGE app after, it showed the purchases came from my $60 incentive balance, not my regular CalFresh amount. Thanks everyone for the helpful info!

This is so helpful! I just checked my EDGE app after reading this and I have $60 too! I had no idea what it was for. Quick question - does anyone know if baby food fruits and vegetables count? I have a 10-month-old and spend a lot on jarred baby food. Would be amazing if those qualified since they're basically just pureed fruits and veggies. Also wondering about things like applesauce or fruit cups - are those considered processed and wouldn't qualify?