Having a ton of money in your bank accounts is an awesome feeling, but sometimes it’s best to have some cold hard cash on you as well.
Debit and ATM cards are the best way to withdraw money from your account, But even without one, you should still be able to access your funds.
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ATM and debit cards both provide instant 24-hour access to any ATM location. Put your card in, enter in your PIN, and then follow the remaining instructions that will appear on your screen.
If you are using an ATM that is affiliated with your bank, then there should be no additional fee. Every bank is different so make sure you research before hand.
At the end of the day, the most convenient option when withdrawing money is to open a checking account from a bank with ATMs and branch locations nationwide. Here are our top choices:
If you are out shopping with a debit card, you will have the cash back option. This will allow you to request a certain amount of money to be withdrawn from your account and handed to you directly in cash. This is unique to debit cards, and is not available with ATM cards.
I Lost My Card!
It’s ok! Don’t freak out. Here is a list of some alternative ways to get your cash
Visit Your Bank
- You will be able to withdraw money directly from the bank if you head to one of their locations. Simply give them your name, photo ID, and your account number. If you don’t know your account number, the teller can always look it up for you.
Write a Check
- If you have a checking account, you have the ability to write a check to yourself or to “cash.” This check can be cashed in at a variety of locations, including banks and retail stores, so make sure you find a location near you.
Activate cardless ATM access
- There are numerous banks that will provide emergency ATM access to customers who have lost their cards or had them stolen. A customer service representative will give you a unique code that will allow you to temporarily access your funds.
Use Mobile Banking
- Many banks are now allowing their customers to access ATM machines with their phones. Instead of usng your PIN number, you will scan a code to get the money. This requires your banks mobile application to work.
If you need some cold hard cash in your wallet, these are the best methods to get it. Using your debit or ATM card is the fastest and easiest way to do so. Losing your cards will be a hassle, but you will still have access to your funds, even if they are a little harder to reach.