Using your Electronic Benefit Transfer (EBT) card should be straightforward, but sometimes unexpected fees will catch you off guard. Whether it’s small charges at the checkout line or fees for using your card at certain locations, knowing what to watch out for will help you keep more of your benefits. The following are common fees and extra charges that you might find when using your EBT card.
Why some stores charge extra fees when using an EBT card
If you have ever noticed a small charge on your receipt after using your EBT card, even though all your items were covered, you are not alone. This can happen for a few reasons:
- Bag fees – Some states charge for paper or plastic bags, and this amount is not covered by EBT.
- Bottle deposits – If your state has a bottle deposit law, you might have to pay a small fee per bottle.
- Non-food items – If an item is not covered by EBT, like a hot meal or household supplies, you will have to pay for it separately.
- Store policies – Some stores may have hidden fees or rounding policies that result in small extra charges. If you see this happening often, ask the store manager or contact your state’s EBT office.
ATM fees when withdrawing EBT cash benefits
If you receive cash benefits through your EBT card, you can withdraw money from an ATM, but there might be extra fees involved.
- Bank ATM fees – Some banks charge a withdrawal fee if the ATM is not part of their network.
- EBT transaction limits – Some states limit the number of free ATM withdrawals per month. After reaching the limit, you might be charged a fee for each additional withdrawal.
- Out-of-network ATMs – If you use an ATM that does not accept EBT cards for free, you could pay an extra fee.
To avoid these fees, look for surcharge-free ATMs or check your state’s EBT website to find approved withdrawal locations.
Why tax might appear on your EBT purchases
Taxes should not be imposed on food items that are eligible under EBT, but sometimes there is a mistake. Some of the reasons you might find a tax levy on your bill are given below:
- Store errors – A food item may not be labeled correctly as taxable at certain stores. If this is the case, tell the cashier or call the customer service of the store.
- Coupons and sales – Certain coupons, especially those by manufacturers, can change the way an item is taxed, costing a small fee.
- Single transaction – If you bought both non-EBT and EBT products, the tax would seem greater because they are added up together on the receipt.
If ever you suspect to have been taxed in error on an EBT transaction, save your receipt and complain to your state’s EBT customer service.
Fees for using an EBT card online
Many states now allow you to use your EBT card for online grocery shopping, but there are some costs to be aware of:
- Delivery fees – EBT covers the cost of food but not delivery fees, so you will have to pay that separately.
- Service charges – Some stores add extra service fees for online EBT orders. Always check the total before completing your purchase.
- Minimum purchase requirements – Some retailers require a minimum purchase amount to use EBT online, which can force you to spend more than planned.
How to avoid unnecessary EBT fees
Here is how you can protect your money so that you do not pay for any hidden charges:
- Check your receipt – Always review your receipt for unexpected fees and ask about anything that looks off.
- Use approved ATMs – Find ATMs that offer free EBT withdrawals to avoid extra charges.
- Be aware of store policies – Know which fees are unavoidable, like bag charges, and bring your own bags when possible.
- Monitor your balance – Regularly check your EBT balance to make sure you are not being overcharged.
By staying informed and careful, you can keep more of your benefits for the things you truly need.
Continue reading:
What should I do if my EBT card is lost or Steps to take immediately when your EBT card goes missing
What is the difference between SNAP and EBT?
How do I know if I have cash benefits from SNAP Payment on my EBT card?
