Can You Withdraw Money From ATM Without A Debit Card?
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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. Related Reading: How To Withdraw Money From Checking Account Without Debit Card
You Can Use A Credit Card If You Have The PIN
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.You don’t need a PIN to get a cash advance from your bank.
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 request these checks but you may also have a credit card carrier that sends you these checks automatically.
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.If you’re not sure how much they charge, call your credit card issuer to get the actual amount of what you’ll be charged.
You Can Always Ask For Cash Back
Another way you can get money from your credit card is by requesting cash back.Now, not all credit cards have this option but some of them do.
If you have a credit card that allows cash back, you can use it anywhere that allows you to get cash back.Wal-Mart will allow you to get $100 cash back at a time.
As to how much you can get back in cash, it all depends on the location.Some smaller brands may only give you $60 cash back while others may give less than that.
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?It’s true, if you haven’t, ask your bank.
Now, in order to get this, you’ll have to contact your bank and report your card lost or stolen.We want to be plainly clear on this, we’re not telling you to do this.
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.You can use this service only if your card is truly lost or stolen as your ATM card will be deactivated, which will force you to apply for a new card.
While you’ll have to wait some time for the new card to arrive, you’ll be able to access emergency cash fast.
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.The registration can be done at your local bank branch or perhaps the bank’s Internet banking service (if it has that option).
Once you’re registered and signed up, all you need to do is download the mobile banking app to your smartphone.The app should allow you to set up a withdrawal and then it can electronically transmits a 2D bar code 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– We always recommend keeping some cash on hand you can access, particularly keeping this at home in a safe or on you at all times.
You never know when things can go “offline” or you end up losing your ATM on a day that your bank is closed. By keeping cash on you at all times, you’ll be able to get a few specific things if you should ever need them right away. Keep A Go-To Card Close For Emergencies– Lastly, get yourself an emergency only credit card and be sure to get the PIN just in case you need cash.
Emergencies can happen, you want to know you’re prepared just in case they occur.If you’re responsible with your credit, it wouldn’t hurt to have this credit card close by just in case of an emergency.
Read Other Related Article: Can I Pay Off A Credit Card With Another Credit Card
Credit Shout is a community of personal finance experts dedicated to helping you save money and make smart financial decisions. Learn how to master your credit card rewards, improve your credit score and start eliminating your debt.