Those who have a bank account can easily withdraw their money using an ATM card. However, what happens when you need to withdraw cash, but you forgot to bring your card, or maybe it was stolen? There are still ways you can get cash from your account but it may require some extra work. Keep reading this post to see our complete list of what you can do to get your hands on your cash.
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How to Withdraw Cash
Debit and ATM cards are the best and simplest way to withdraw money from your account whenever you need it. But even without one, you should still be able to access your funds.
One way to make a withdrawal from your bank account is to simply walk into a bank and ask for cash. Depending on your bank, you may be able to do this verbally by speaking to a teller or you may have to fill out a withdrawal slip with the amount of money you want or write out a check to yourself. If you have a passbook savings account, where a printed book keeps track of your holdings in the bank, you may need to present the passbook to make a withdrawal.
- Traditionally, you will need a card to use an ATM, but some banks provide other options.
- Insert the card into the slot on the machine.
- Enter your four digit PIN (Personal Identification Number)
- Navigate options either using the touch screen or with the number keypad.
- Most accounts have daily withdrawal limits, and most machines only dispense cash in multiples of 20.
- Remember that while ATMs owned by your bank normally don’t charge to use them, if you use an ATM outside of your bank’s network, you can be charged varying amounts for a transaction.
Ask the Teller
If your bank is nearby and open, we recommend you go inside and explain your situation. The teller can look up your account information and help you with your cash needs. Come with your ID so they can identify you, and they will give you a withdrawal slip. The teller will be able to withdraw the cash from your account and you will be on your way!
Write a Check
Another easy solution is to write yourself a check, either payable to yourself or “Cash”. Remember to bring some sort of identification so the bank can take care of everything else. Give your check to the bank teller and receive your cash!
Another option is going to a retail store or a bank you are not affiliated with when cashing a check. This may take some phone calls ahead of time to see if the store/bank accept outside checks and if there are any fees.
Writing a check is a simple way to get cash. However, you have to be careful when doing so. If you write a check made out to “Cash” and lose the check, anyone who finds it can use it. We recommend you don’t fill out the check until arriving at the bank or retail store to avoid any risks.
Bank’s Cardless ATM
Some banks offer cardless ATM usage to make it safer for customers to pull out money. Banks are using this technology to stop fraud, with the problem of hackers able to steal customers’ card numbers.
Another cardless ATM service is an emergency cash service. Once you contact your bank and report your card lost or stolen they will give a code to key into the ATM, enabling you to withdraw cash without using a card. We recommend you use this service only if your card is truly lost or stolen because your as your debit card will be deactivated, which means you have to apply for a new card.
Cardless ATM transactions are another solution. If you are unsure if you have these features, ask your local branch to find out.
Payment Apps/Prepaid Cards
Some apps let you send money to a friend who can withdraw the money for you. These apps are becoming more and more popular, and over 90 million Americans use them. Some examples are Venmo, Square Cash, PayPal, Zelle, Facebook Messenger, and Google Wallet. This is a great option to withdraw money without using a debit card. All you would need to do is send the amount to your friend using the app and your friend can withdraw the cash for you!
A prepaid card is an alternative banking card that only lets you spend the money you load onto the card. These cards also work at ATMs, so if you need cash this is another option.
Conclusion
ATMs are a convenient way to complete your financial needs when banks aren’t accessible. However, sometimes we forget our ATM card or we find ourselves needing cash in emergency situations. With all the information from this post, you should be more equipped and informed about how you can still get cash without your ATM card.
To wrap things up, there are a lot of possible solutions to getting cash without an ATM card. However, it may not be as convenient. In any case, there are still ways to get cash in hand. Our hope is that moving forward you will have the knowledge and ability to get cash when you need it, even without your ATM card.
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