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As you likely know, if you have a debit card, you can go to an ATM and withdrawal money anytime you want. That’s great, but what happens if you don’t have a debit card?
Can you withdraw money from an ATM without a debit card?
The answer to that question, “it all depends.” There’s a few different things you could be looking for, so we’re going to discuss them all.
If you don’t have a debit card, you can still withdraw money from an ATM. While debit cards are attached to a checking account, credit cards are not.
Due to this, if you have a credit card, you can get money from an ATM.
Now, in order to get money from an ATM with your credit card, you need to have a PIN. This is a 4 digit number that you’ll need to get money from the ATM.
Without it, you won’t be able to get money from the ATM.
Unfortunately, if you need money today and you don’t have the PIN, you won’t be able to get it today. Rather, you’re going to have to request one.
You’ll have to call your credit card issuer to request a PIN or you can do it online. Either way, your PIN will have to be mailed to you and you’ll have to wait 7-10 business days to get it.
If you do need money today, you might be in luck, just take your credit card to your bank and ask for a cash advance.
While that’s great news if you need cash today, you want to be mindful of the charges you’ll receive for a cash advance.
Does Your Credit Card Issuer Send You A Check?
Another way for you to get cash from your credit card issuer is with a check.
You can cash these checks and get money right away.
Again, you have to be mindful of the charges you’ll receive as these checks usually carry high fees.
You Can Always Ask For Cash Back
Another way you can get money from your credit card is by requesting cash back.
If you have a credit card that allows cash back, you can use it anywhere that allows you to get cash back.
As to how much you can get back in cash, it all depends on the location.
Before you go to your store to see if they do cash back, we recommend giving them a call first so you don’t waste a trip.
Access Your Emergency Cash Service
Did you know that some banks offer a convenient emergency cash service?
Now, in order to get this, you’ll have to contact your bank and report your card lost or stolen.
We’re just simply pointing out that it can be done if you lost your card or it has been stolen.
If your bank participates, you will be given an emergency code number to key into the ATM, thus allowing you to withdraw cash without using a card.
While you’ll have to wait some time for the new card to arrive, you’ll be able to access emergency cash fast.
Use a Smartphone
While a lot of people are just now catching on to this, a mobile cash withdrawal feature for your smartphone eliminates your need for an ATM card all together.
If you want to get this feature, you’ll need to register with your bank.
Once you’re registered and signed up, all you need to do is download the mobile banking app to your smartphone.
When you get to the ATM, just scan the bar code for authorization and you’ll be able to withdraw cash from your account.
Here’s A Few Things You Can Do Remember
While there’s a lot of things you can do to avoid being in a scenario where you need cash right this very minute, we do want to point out a few to help you moving forward.
Keep Cash On Hand
You never know when things can go “offline” or you end up losing your ATM on a day that your bank is closed.
Keep A Go-To Card Close For Emergencies
Emergencies can happen, you want to know you’re prepared just in case they occur.