Do you find yourself often strapped for cash because you aren’t getting around to the bank to withdraw money? Are you tired of paying fees to withdraw money from ATM machines? Here is some good news for you. You can combine the errand of getting your cash with a trip to your favorite grocery, pharmacy, or gas station etc. It‘s free too, or at a minimal fee in some stores.  

How it works is very simple, you can get cash at the register  when paying for your purchase using your debit card.

When placing your card in the reader it will ask you for your pin. After entering your pin select the cashback option, then enter the amount of cash you want. It will be added to your total transaction, and along with your receipt, you will get the cash you asked for.

What is the cashback withdrawal limit?

The cashback limit ranges from $60 to $300 in stores. Grocery stores tend to have a higher withdrawal limit than department stores and pharmacies. Every store has their limits and policies. (See the limits of the most popular stores on the list below.) So, if  you’re planning something big and you need more than two or three hundred dollars, a trip to the bank would be a better idea.

Can I get cashback with a credit card?

For most credit cards, you can’t get physical cashback at checkout by the register, (Not to be confused with cashback rewards, as a statement credit that a lot of credit cards have.) besides for the Discover card. Discover has a program, (the cash over program) that gives you cashback at the register, up to $120.  Find your participating store here. 

Is getting debit card cashback at a store free?

At most stores it is free to get the cashback, however at some stores you have to meet a minimum purchase amount, which may lead you to buy extra undesired items. Furthermore some stores do charge a fee to withdraw the cash. See the list below for the requirements of some of the most popular stores. 

Where can I get cashback near me?

Here’s a list of some of the most popular shops that offer cash back, with there fees and withdrawal  limits:

Grocery Stores

Department Stores

Pharmacies

US Post Offices

Gas Stations

You can also get cashback at almost all gas stations. The withdrawal limit generally ranges between $20.00 to $40.00 (at some gas stations it’s as little as $10.00,) but keep in mind that since lots of gas stations are privately run you need to inquire at each one what their requirements and limits are, even if they are part of a larger chain.

Why is it better to get cashback at the register versus using an ATM machine?

As seen in the list above, cashback in stores are generally free versus ATM machines that have a third party fee. But, the down part is that the withdrawal limit is not so high. So, if you don’t need a large amount of cash, cash back at a store near you might be your best option, since you save yourself a trip to the bank and it’s usually free too. However, for a larger amount it would make more sense to make that trip to your bank’s ATM.