Every now and then, you need cash. Those who have a bank account can easily withdraw their money using an ATM/debit card. However, not everyone has a bank account whether they don’t qualify or just don’t want one.
Or you may have lost some debit card and you need some cash this moment. Don’t fret. Whatever your circumstance is, here are some options to consider if you need to withdraw money without a debit card.
Editor’s Note: If you’re interested in opening a bank account, check out our list of bank promotions before applying for one! You may get some extra money in your account this way.
Table of Contents
- 1 Ask The Teller For Help
- 2 Write A Check To Yourself
- 3 Use Your Bank’s Cardless ATM
- 4 Get Cash Through the Bank’s App
- 5 Use a Prepaid Card
- 6 Use A Payment App From Your Smartphone
- 7 Emergency Cash Service
- 8 Author’s Verdict
Ask The Teller For Help
If it’s open, go inside the bank and explain to the teller that you don’t have your debit card with you. The teller can look up your account information, and may ask for your state-issued driver’s license or ID card according to bank policy. You’ll need to fill out a withdrawal slip with your account number (the teller can provide if you don’t know it), the amount of money you need, and your signature. The teller can then withdraw the money from your account for you.
Write A Check To Yourself
This is the easiest way to get cash without a debit card. All you need to do is write yourself a check, either payable to yourself or “Cash” and take it to your bank to cash. Give your check to the bank teller and receive your funds in return. If you don’t have your debit card, you’ll need to present your driver’s license or ID to the teller.
If you don’t have a bank account at the bank where you’re cashing the check, you probably can’t cash the check or you may need to pay a fee or sign up to become a customer to be able to cash it.
You can also visit a retail store and see if they will accept a check from you made payable to cash. A check made out to cash is unsecure. This means if you lose the check, the finder can receive the money unless you stop payment on the check first. Don’t write out the check until arriving at the bank or retailer to avoid this risk.
Use Your Bank’s Cardless ATM
Some banks now offer cardless ATMs to make it more digitally safe for customers to pull out money. With hackers being able to steal customers’ ATM card numbers, banks are trying to cut down on ATM machine fraud.
It’s safer way to pull out money from the ATM this way. It’ll require more digital security measures like scanning a barcode at the ATM machine for authorization to withdraw cash from your account. It’s also convenient for those who don’t like carrying another card in their wallet.
Get Cash Through the Bank’s App
If you bank with Wells Fargo, you can take advantage of 13,000 ATMs without a debit card. Use the bank’s app to get a one-time 8-digit code to use as your ATM PIN.
BBVA Compass has Mobile Cash which allows you to send money using a cell phone to any BBVA ATM. There, you can pick it up or you can send it to someone who can pick it up. If the sender isn’t a BBVA customer, they’ll need to pay a fee.
BMO Harris and Bank of Hawaii offer barcodes instead of numerical PINs, and when you’re at the ATM you need to scan the QR code, plus enter your PIN to verify your identity.
Use a Prepaid Card
If you don’t have a bank account and you don’t plan on opening one soon, consider using a prepaid card that works at the ATM machine if you need cash.
Use A Payment App From Your Smartphone
Some apps let you send money to a friend who can withdraw the money for you. With this option, you won’t be able to pull out large sums of money.
There will be restrictions on how much you can send. For example, Cash Card allows you to withdraw $250 per transaction. However, this is a great option to withdraw money without using a debit card.
Venmo is a popular app that allows you to send and receive money. It’s free to use. All you need is the person’s Venmo username, phone number, or email to send money. Both parties must be signed up with Venmo to use it.
Venmo also accepts prepaid debit cards (if you don’t have a bank account), but the card needs to be in your name.
Zelle is another popular app to send and receive money. However, you must have a bank account since it caters to sending money to and from different banks, almost instantly.
Formerly known as Square Cash, Cash Card is a Visa prepaid card that works with the app. The prepaid card draws funds directly from your Cash Card account rather than your bank and allows you to withdraw cash at an ATM.
Putting money on the card is free. You can withdraw $250 per 24 hour period, $1,000 a week, and $1,250 a month.
You are assigned a £Cashtag URL, which can be used to pay anyone or receive money from anyone.
A prepaid card that works with an app, Square cash allows you to fund right through your Square Cash account rather than a bank. This also lets you withdraw cash at an ATM. With this account, it is free to deposit money into the card. To pay or receive money, you will be assigned a unique $Cashtag URL.
With PayPal, you can send money to someone with just an email address. Make sure you choose the “pay friends and family” option. Otherwise, the person receiving the funds will have to pay a transaction fee.
You can send money with Google Wallet by entering the recipient’s phone number and put in the amount you want to send.
If you and your friends and family use Facebook Messenger, you can send money by selecting “payments” and including the amount and recipient.
Emergency Cash Service
If your card gets lost or stolen, your bank may offer an emergency cash service. However, you need to report to your bank that the card is in fact, lost. The bank will then deactivate the card and issue you a new one by mail.
Though not all of these options will give you straight up cash, you can still withdraw money from your account without a debit card. If you’re constantly without cash on hand, it might benefit you to just open a bank account.