If you need cash while running errands, making an extra stop to withdraw money from the bank can add another chore to your to-do list.
Why not complete two tasks in one fell swoop? Use your debit card for the perfect way to get cash quickly.
You can save both time and money by taking advantage of the option to get cash back when you are at the store or getting gas. Although there are some limits to the amount you can withdraw, you’ll no longer need to head to the bank after stocking up at the grocery store.
Keep reading to find out more about these options that could save you money and make your life easier.
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Places to Get Cash Back From a Debit Card
Depending on your routine, you may be able to find a store that gives cash back when use your debit card while running your errands.
We will take a closer look at the top five places that give you cash back when you use a debit card.
1. Grocery Stores
Since most of us visit the grocery store regularly, it can be the perfect opportunity to pull out cash, usually without a fee. Why not take advantage of that perk while shopping there?
How a Store Can Give You Cash Back Using a Debit Card
When you are checking out at a physical retailer, some offer the option to get cash back. With that, you can withdraw some money from your checking account by using your debit card.
Typically, the withdrawal limits at the grocery store are less than at an ATM. But it is still a good option if you only need to withdraw a relatively small amount.
Before you finish checking out, ask the cashier for cash back at the register. Once you have made the request, the cashier will include your cash back amount in the total sale price.
At that point, the bank will deduct the total sale price from your account, and you’ll leave the store with cash in hand.
In most cases, physical retailers give you the option to withdraw cash without a fee. However, sometimes the store will require a fee or a minimum purchase amount before providing cash back.
Also, most stores will allow you to complete a cash back transaction at the register. But some will ask that you only withdraw money at the customer service desk.
Before you complete a cash back transaction, ask the cashier about the details. Make sure that you are comfortable with the terms before continuing.
Here’s a look at grocery stores that offer cash back opportunities:
- Whole Foods
- Food Lion
- Giant Eagle
- Trader Joe’s
- Save Mart
- Sam’s Club
- Family Dollar
- Dollar Tree
You might find that you have a cash back option at your regular errand spot with several grocery store options.
So if you don’t see your regular grocery store on the list, ask about cash back options the next time you check out. The cashier should be able to give you all the details you need.
2. Gas Stations
Gas stations are a great place to get cash back because you can find them almost anywhere. Whether you are out on a road trip or running errands around town, a gas station will not be too far off your path.
However, in most cases, the withdrawal limit is very small. In fact, some locations might have a cap of just $10. At some gas stations, you may not be able to withdraw cash at all. Still, the cash back opportunities will vary based on the location.
Here is a closer look at gas stations that offer cash back:
- Circle K
- Phillips 66
Although not every gas station will provide cash back at the register, many have ATMs on site. So it is usually possible to get cash through some medium at the gas station. However, fees and limits will vary.
When you are picking up your wellness items at the pharmacy, you can usually get cash back as well. This location can be especially helpful if you feel under the weather and don’t want to make a second stop for cash.
Here are a few of the pharmacy stores that offer cash back:
In some stores, you’ll need to check out at the front to take advantage of the cash back opportunity. Others will let you complete the cash back transaction at the pharmacy counter. If you aren’t sure, then take a second to ask the cashier.
4. Big Box Stores
Everyday shopping at grocery stores and pharmacies is not the only place to get cash back. Some big box stores will also allow you to get cash back at the register.
At the big box stores, it is a good idea to ask about the cash back policy. You can avoid a surprise fee if you remember to ask.
Here are big box stores that offer cash back:
As you are out and about, you can always ask if the store where you shop offers cash back. You might be surprised by the answer.
With the help of your debit card to get cash back, you can eliminate extra trips to the bank and unnecessary fees. Since no one likes to waste time or money, this is a great opportunity to save both!
It’s possible to get some of your money back on your purchases by signing up for cash back options. A few of the most popular cashback sites include Rakuten, Ibotta, and BeFrugal. However, these are just the tip of the iceberg.
Saving money on fees while withdrawing cash will never go out of style. Take a closer look at the stores listed to find out which ones will work best for you. Then try out some cashback opportunities to boost your savings even more.