If you receive EBT benefits in Florida, you may wonder how to access your cash assistance safely and without extra fees. Your Florida EBT card gives you access to two types of benefits, SNAP for food and TANF for cash assistance.
In this guide, you’ll learn how to withdraw cash from your EBT card Florida, how to check if you have cash benefits, and which banks let you withdraw money for free.
What Is a Florida EBT Card Used For?
The Florida EBT card works like a debit card and is used to access government benefits that help families buy food and cover basic living expenses. It holds two main types of benefits: SNAP and TANF, each serving a different purpose.
- SNAP (Supplemental Nutrition Assistance Program): SNAP funds are meant for groceries and food items only. You can use them to buy fresh fruits, vegetables, meat, dairy products, bread, and other approved items at stores that accept EBT. These funds cannot be withdrawn as cash or used for non-food purchases.
- TANF (Temporary Assistance for Needy Families): TANF provides cash assistance to help with non-food essentials such as rent, utilities, personal care items, and household supplies. You can also withdraw TANF funds as cash at ATMs, stores offering cash back, or participating bank branches.
Together, these benefits help low-income individuals and families in Florida meet daily needs while maintaining financial flexibility.
Can You Withdraw Cash from an EBT Card in Florida?
Yes. You can withdraw cash from your EBT card in Florida if you receive TANF (Temporary Assistance for Needy Families) benefits. TANF funds are designed to give families direct cash assistance for essential expenses such as rent, transportation, or personal care items.
However, SNAP benefits cannot be withdrawn as cash. These funds are strictly for buying eligible food items like groceries, fruits, meat, and dairy at stores that accept EBT payments.
>>> Learn more: The Most Surprising Things You Can Buy With EBT Card (Or Cannot)
How to Withdraw Cash from EBT Card Florida
How can I get cash from my EBT card in Florida? If you receive TANF cash benefits on your Florida EBT card, you can access your money in several convenient ways. Here are the most common options to withdraw cash safely and easily.
H3: Option 1 – Withdraw Cash at ATMs
You can use your Florida EBT card to withdraw cash at any ATM displaying the Quest logo, which is the official EBT network symbol. Simply:
- Insert your EBT card into the ATM.
- Enter your four-digit PIN.
- Choose “Checking” and select “Withdrawal.”
- Enter the amount you want to withdraw.
Some ATMs may charge a small fee. To avoid extra costs, look for fee-free ATMs such as those operated by Bank of America, Chase, or Wells Fargo that support EBT transactions.
Option 2 – Get Cash Back at Stores
You can also get cash back when making a purchase at grocery stores, pharmacies, or retailers that accept EBT cards. Just ask the cashier if they offer cash back before completing your transaction.
To do this:
- Swipe your EBT card as usual when paying for groceries.
- Select “Debit” and enter your PIN.
- Choose the amount of cash back you’d like to receive.
This method is an easy way to withdraw smaller amounts of cash while avoiding ATM fees.
Option 3 – Visit Participating Bank ATMs or Branches
Some banks and credit unions in Florida allow EBT cash withdrawals at their ATMs or tellers. You can use your TANF benefits to get money directly at the counter, similar to a regular bank transaction.
Common banks that participate include:
- Bank of America
- Wells Fargo
- Chase Bank
- Truist Bank
- Regions Bank
Always confirm with your local branch before visiting to ensure they accept EBT cash withdrawals.
How Do I Know If I Have Cash Benefits on My EBT Card in Florida?
Not every Florida EBT card includes cash benefits. Some people only receive SNAP food benefits, while others also qualify for TANF cash assistance. If you are unsure which benefits you have, there are many simple ways to check.
Check Online via MyACCESS Florida Portal
The fastest way is to log in to your MyACCESS Florida account. Once you sign in, you can view your benefit type, payment history, and the balance of both SNAP and TANF accounts.
- Go to the MyACCESS Florida website.
- Enter your User ID and Password.
- Under “My Benefits,” check if you have both Food Assistance (SNAP) and Cash Assistance (TANF) listed.
If you see both programs, it means your EBT card includes cash benefits that can be withdrawn or used for non-food expenses.
>>> Learn more: Can You Buy Fast Food With EBT? Eligible Restaurants by State
Call Florida EBT Customer Service
You can also call the Florida EBT Customer Service number at 1-888-356-3281. Follow the automated prompts, enter your 16-digit EBT card number, and the system will tell you your current food and cash benefit balances.
This service is free and available 24 hours a day. It is especially helpful if you don’t have internet access or need to confirm your balance quickly before visiting a store or ATM.
Check Your Balance Using the EBT Edge App
You can also check your Florida EBT balance anytime using the EBT Edge app, which is free to download on Android and iOS. Once you log in with your card number, you can:
- View your current SNAP and TANF balances.
- See recent transactions and deposits.
- Track your next EBT reload date.
Having the EBT Edge app makes it easy to stay on top of your benefits, especially when you’re shopping or planning your expenses.
If you receive SNAP or EBT benefits and don’t have a reliable smartphone, you can qualify for a free phone and monthly service plan through AirTalk Wireless. With your AirTalk device, you can download the EBT Edge app, check your balance anytime, and manage your Florida EBT benefits without worrying about phone bills.
(Image by Freepik)
What Banks Don’t Charge for EBT Withdrawals in Florida?
Some banks and credit unions in Florida allow EBT cash withdrawals with no fees, helping you save money each month. These banks work with the Florida Department of Children and Families (DCF) to make accessing your TANF benefits more affordable.
Here are some banks that usually do not charge fees for EBT cash withdrawals at their ATMs:
- Bank of America
- Wells Fargo
- Chase Bank
- Regions Bank
- Truist Bank
- Suncoast Credit Union
It’s best to use ATMs that display the Quest logo, which means they are part of the official EBT network. Always check with the specific bank before withdrawing cash, since policies may vary by location.
Tips for Safe and Easy Cash Withdrawals
When withdrawing money from your Florida EBT card, follow these simple tips to protect your funds and avoid common issues:
- Use trusted ATMs and stores: Only withdraw cash from ATMs or retailers you recognize. Avoid using machines in dark or isolated areas.
- Check your balance before withdrawing: Use the EBT Edge app, your MyACCESS Florida account, or call customer service to make sure you have enough funds before you withdraw.
- Keep your PIN secure: Do not share your EBT PIN with anyone, and avoid writing it down. Change it right away if you think someone else knows it.
- Save your receipts: Keep your ATM and store receipts to track withdrawals and confirm your balance.
- Watch for skimming devices: Check the card slot on ATMs for loose or unusual attachments. If something looks suspicious, cancel your transaction immediately.
- Plan your withdrawals: Try to withdraw larger amounts less often to minimize fees, especially if you’re using an out-of-network ATM.
Common Questions About Cash Withdrawals on Florida EBT
What can I use my EBT card for in Florida?
You can use your Florida EBT card to buy groceries with SNAP benefits and withdraw money with TANF cash assistance. SNAP is for food only, while TANF allows cash withdrawals for essentials like rent, utilities, or transportation.
Can I get a free phone through EBT or SNAP in Florida?
Yes. If you receive EBT or SNAP benefits, you qualify for a free smartphone and monthly plan through the Lifeline program. Apply online at AirTalk Wireless to receive a free device and stay connected to manage your benefits easily.
How can I get cash from my EBT card?
You can get cash from your EBT card by using an ATM, requesting cash back at stores, or visiting a participating bank branch. These options are available only for TANF cash benefits, not for SNAP food benefits.
How do I withdraw cash from my EBT card in Florida?
To withdraw cash from your EBT card in Florida, insert your card into an ATM with the Quest logo, enter your PIN, and select “Checking” followed by “Withdrawal.” You can also ask for cash back when paying for groceries at stores that accept EBT.
What bank doesn’t charge for EBT withdrawal?
Some banks in Florida do not charge fees for EBT withdrawals, including Bank of America, Chase, Wells Fargo, Truist, and Regions Bank. Always use Quest ATMs or ask your local branch if they provide fee-free EBT withdrawals.
Final Thoughts
Knowing how to withdraw cash from your EBT card Florida helps you use your benefits wisely and safely. Always check your balance, use fee-free ATMs, and plan your withdrawals ahead.
If you receive SNAP or EBT benefits, apply for a free phone through AirTalk Wireless to stay connected, track your balance, and manage your benefits anytime.