CalFresh EBT card cash withdrawals - which banks don't charge fees?
Got my CalFresh benefits loaded to my EBT card last week (thank goodness finally!), but I also have some cash benefits on there. Went to Bank of America yesterday and they charged me $3 just to withdraw my own money! That's a lot when you're trying to stretch every dollar. Does anyone know which banks let you take out cash from an EBT card without those ridiculous ATM fees? I'm in Riverside County if that matters. Just trying to access my benefits without losing money every time.
17 comments
Beth Ford
You can withdraw cash for free from any Bank of America ATM if you have CalFresh with cash benefits. They have a contract with the state to provide fee-free service for EBT cards. If you were charged $3, there's definitely something wrong - maybe you used a different type of card or it was a non-B of A ATM? I've been using my EBT at BofA for years without any fees.
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Atticus Domingo
•Wait what??? I definitely used my EBT card at what I thought was a BofA ATM. But maybe it was one of those ATMs that's inside a convenience store that just LOOKS like a BofA one? Ugh, I feel stupid now. How do I know for sure it's an official BofA ATM?
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Morita Montoya
BoA is supposed 2 be free but some of the ATMs in stores r actually owned by other companies even if they say BoA on them!!! its super confusing. I only use the ones INSIDE the actual bank building now cause i got charged twice before figuring this out. so annoying right?
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Atticus Domingo
•Omg that must be what happened! The ATM was at a 7-Eleven and it had the BofA logo but I guess it wasn't actually theirs. That's so sneaky and unfair. Definitely going to the actual bank from now on.
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Kingston Bellamy
Here's the correct information about EBT cash withdrawals in California: 1. Bank of America ATMs: Free for EBT cash withdrawals (must be actual BofA ATMs, not just ones with their logo) 2. CalFresh/EBT partnered retailers: Many grocery stores allow cash back with purchase with no fee 3. Chase and Wells Fargo: Some branches have agreements but policies vary by location The best option is using the BenefitsCal.com website or EBT app to find surcharge-free ATMs near you. They have a specific ATM locator feature that shows which ones won't charge fees for EBT cards. Another tip: if you have CalWORKs with your CalFresh, you can get 4 free ATM withdrawals per month at any ATM (even non-partner ones), but after that, fees will apply.
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Atticus Domingo
•Thank you for this detailed info! I didn't know about the BenefitsCal website having an ATM locator - that's super helpful. And I had no idea about getting cash back at grocery stores with no fee. That might actually be the most convenient option for me.
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Joy Olmedo
when i was on calfresh last year i just used the walmart atm. no fees there and u can shop right after lol
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Isaiah Cross
The EBT system is DELIBERATELY CONFUSING to discourage people from accessing their full benefits! I've been fighting with this system for years. Even the "free" ATMs sometimes have hidden fees that don't show up until later. And good luck getting anyone at the county to help - they'll transfer you around for HOURS. If you go to a physical Bank of America branch during business hours, they legally CANNOT charge you for accessing your EBT cash benefits. That's the ONLY guaranteed way to avoid fees. Don't trust ATMs, even the ones supposedly in the network.
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Kiara Greene
•I understand your frustration, but this information isn't entirely accurate. While it's true that some ATMs can be misleading, official Bank of America ATMs do not charge fees for EBT transactions - it's part of their contract with the California DSS. The official EBT mobile app (ebt.ca.gov) has a verified ATM locator that shows all surcharge-free locations, which includes many retailers beyond just bank branches.
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Evelyn Kelly
Has anyone tried calling the EBT customer service to get those fees refunded? I had this happen once where I got charged at what was supposed to be a free ATM and when I called they actually gave me the money back after I explained what happened. The number is on the back of your card.
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Atticus Domingo
•I'll definitely try calling them! Didn't know refunds were even possible. Have you had to wait a long time to get through to someone? I'm always nervous about getting stuck on hold forever.
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Evelyn Kelly
•The EBT customer service hold times can be really bad. Last time I called about a fee issue I waited 47 minutes before talking to someone! If you're having trouble reaching them, you might want to try Claimyr.com - I used their service last month when I couldn't get through about my recertification issue. They hold your place in line and call you back when a rep is available. Saved me hours of waiting. They have a demo video that explains it better than I can: https://youtu.be/eZ19FHRETv8?si=_CXnXqNXbLl26WB8
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Morita Montoya
theres a free app called CalEBT that shows all the places u can use ur card without fees!! its from the official ebt people. i use it all the time
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Kiara Greene
Just to add some clarification on EBT cash withdrawals since there's some confusion in this thread: 1. CalFresh-only recipients don't have cash withdrawal capabilities - this is only for people who also receive CalWORKs or other cash benefits 2. The Bank of America contract guarantees fee-free withdrawals at their ATMs, but you must verify it's an actual BofA ATM, not a third-party one with their branding 3. Your first four withdrawals each month are free at ANY ATM (even non-partner ones), but you will still be subject to the ATM owner's surcharge 4. For the most accurate ATM locator, download the official ConnectEBT mobile app from the app store, not the website versions which can be outdated Hope this helps clear things up!
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Atticus Domingo
•Thank you! I didn't realize the first four withdrawals are free from the EBT side, though the ATM might still charge. And I'll definitely download the official app. I do have CalWORKs along with CalFresh which is why I have the cash benefits portion.
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Joy Olmedo
wait u can get CASH from calfresh?? i thought it was just for food???
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Beth Ford
•CalFresh benefits are food-only, but many people who get CalFresh also qualify for CalWORKs, which provides cash aid. Both benefits can be loaded onto the same EBT card, but they're separate programs with separate balances on the card. The food benefits can only be used for eligible food items, while the cash portion can be withdrawn or used like a debit card.
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