How to Withdraw Money Without an ATM Card

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Woman withdrawing hundreds of dollars from bank teller at a bank

Every now and then, you need cash.

Most people have an ATM card from their bank that they can use to withdraw money, but these days that landscape is changing.

According to a report from the FDIC, millions of Americans don’t have bank accounts, whether they don’t qualify for one or don’t want one.

Or perhaps you need to withdraw some cash and lost your ATM card and need to wait a week before a new one is issued.

Ways to Withdraw Money Without a Debit Card

Whatever the reason or circumstance, what can you do if you don’t have an ATM card and need to pull out cash? It can be tricky, but these are some options you may consider. Each option lists what you will need in order to get your hands on your cash.

1. Write Yourself a Check

person writing a check to get money

This is the easiest way to get cash without an ATM card.

You need:

  • A bank account
  • Paper checks

All you need to do is write yourself a check, either payable to yourself or “Cash” and take it to your bank to cash. If you don’t have your ATM card, you will 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 will most likely not be able to cash the check, or they may require that you pay a fee or sign up to become a customer to be able to cash it.

2. Use Your Bank’s Cardless ATM

ATM to withdraw money from

Select banks now offer cardless ATM usage to make it more digitally safe for customers to pull out money.

You Need:

  • A bank account at any of the banks mentioned below in bullets
  • A smartphone with that bank’s app installed

With the onset of hackers being able to steal customers’ ATM card numbers, banks are using this technology to cut down on fraud at ATM machines.

The banks claim this is a safer way to pull out money from the ATM, since it will require more digital security measures, such as scanning a barcode at the ATM machine for authorization to withdraw cash from your account.

It’s also convenient for customers who don’t want to carry an ATM card.

How to Get Cash Through the Bank’s App

Wells Fargo allows you to take advantage of 13,000 ATMs without a debit card. You use the bank’s app to get a one-time 8-digit code and use that as your ATM PIN.

PNC Bank offers Card-Free ATM, which lets you get money from your PNC account using your PNC Bank mobile app.

Simply request a one-time access code, visit a PNC ATM, enter the access code and get your cash.

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.

There is a list of banks that offer this feature:

  • PNC Bank
  • Bank of America
  • Bank of Hawaii
  • Chase Bank
  • Fifth Third Bank
  • Salem Five
  • Wells Fargo
  • Wintrust Financial

3. Use a Prepaid Card

If you don’t want to open a bank account try this option.

You Need:

  • A prepaid card

If you don’t have a bank account and don’t plan on opening one in the near future, you may consider using a prepaid card that works at the ATM machine, in the event that you’re in a pinch and need cash.

4. Use a Payment App from Your Smartphone

There’s a reason why “there’s an app for that” phrase has become commonplace. You can turn to apps to send money to someone, who might be able to withdraw the money for you.

To do this you need:

  • The app installed
  • A bank account or an accepted prepaid card that allows you to make transfers to another person’s account

You can easily send money to your friends and have them pull it out in cash for you.

Keep in mind that with this option, you won’t be able to pull out large sums of money. There are most likely restrictions on how much you can send. For example, Square Cash only allows you to withdraw $250 per transaction.

Apps that let you send and receive money:

  • Venmo
  • Zelle
  • Square Cash
  • PayPal
  • Google Wallet
  • Facebook Messenger


One of the better-known apps to send and receive money is Venmo, which has become a verb: “Just Venmo me.”

It’s free to use and all you need is the person’s Venmo username, phone number, or email to send money. Both parties need to be signed up with Venmo in order to use it.

Venmo also accepts prepaid debit cards (in case you don’t have a bank account), but the card needs to be in your name.


Zelle is another well-known way to send and receive money, but you must have a bank account, since the platform caters to sending money to and from different banks, almost instantly.

Banks that support the use of Zelle:

  • Ally Bank
  • Bank of America
  • Capital One
  • Chase
  • Citi
  • PNC Bank
  • Wells Fargo

Square Cash

This is a prepaid card that works in tandem with the app. The prepaid card draws funds directly from your Square Cash app account rather than your bank and allows you to withdraw cash at an ATM.

It’s free to put money on the card. You’re allowed to 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.


With PayPal, you can send money to someone with just an email address. Keep in mind to choose the option that says “pay friends and family,” otherwise the person receiving the funds will get hit with a fee.

Google Pay

You can send money with Google Pay by entering the recipient’s phone number and put in the amount you want to send.

Facebook Messenger

If you and your friends and family use Facebook Messenger, you can send money by selecting “payments” and including the amount and recipient.

5. Emergency Cash Service

You bank may offer an emergency cash service, in the event that your card is lost or stolen, but in this case 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.


If you constantly find yourself in a bind to get cash, it might benefit you to just open a bank account.

There are plenty of online banks like Ally Bank or Capital One 360 that have simple checking and savings accounts that don’t cost much and may even earn you interest.

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  1. My stimulus money was sent to a debit/prepaid card my girl got me from Problem is I lost the card almost 10 months ago. I can’t touch that money no matter what ive tried. Even though I have the acct. & route.#. They DO NOT allow me to transfer funds to my bank account,send western union go through payload.
    I can’t even use it to pay bills online cuz I dont have the xard # or the favv. Its already saved in PayPal from last time so I thought I outsmarted it until it asked 4 the CVV . UUUUGGGGHH! SOMEONE HELP

    1. Jess Nardini says:

      That’s frustrating! Is there any way you can try to request a new card that would be tied to that account number? I could contact the source of the account and see if they can help you out!

  2. I have T-money to take advantage of the many free ATM’s. Some of the free ATM’s offer contactless QR scanning for security but I can’t use T-Money on them unless I physically insert my real card. There’s no way I’m doing that. I tried using Samsung pay and Google pay. but neither will do QR transactions and the ATM’s will not do NFC. Nothing seems compatible.

    1. If you are having issues you may have to make another choice in order to have easier access to your money. I wish you luck, whatever you decide.

  3. For the writing yourself a check suggestion, if you already have access to a human teller, you can probably withdrawal cash with just an ID. There would be no need to write a check.