ATM bank fees are generally small but can accumulate quickly if you use them often.
As of 2019, the average customer is reportedly paying a fee of $4.72 to withdraw money from an ATM outside of their bank’s network. It’s significantly more than in previous years, and the trend doesn’t seem to be slowing down any time soon.
ATM withdrawals are undoubtedly convenient. However, as prices continue to increase, consumers are looking for viable alternatives with more affordable ways to get cash.
Mobile payment platforms like Cash App have made it possible to pay, withdraw, and transact online with more ease. Over 70 million Cash App users transact globally, making it one of the largest peer-to-peer payment platforms.
Although online payments through apps like Cash App are becoming commonplace, we still need cash. The easiest way to get cash is from an ATM.
So, are there free ATMs for Cash App?
Short answer: No, there are no free ATMs for Cash App. You’re charged an average fee of $2 per withdrawal. However, customers who receive $300 or more every month in paychecks direct deposited into Cash App can get their ATM fees reimbursed as an alternative.
Our guide will cover adding and withdrawing cash via the Cash App and some tips to get money from the app without using a card.
Are There Free ATMs for Cash App?
No, there aren’t any free ATMs available for Cash App users. While you can withdraw cash from an ATM using the Cash App, you’ll be charged $2 for each transaction. In addition, most ATMs charge a fee that tends to be higher than that charged by Cash App when using a different bank card.
Do Cash App ATMs Have Fee Reimbursement?
Customers who direct deposit $300 or more in paychecks into Cash App will get ATMs reimbursed. In addition, Cash App will reimburse ATM operator fees to the user. In addition, unemployment insurance deposits are also generally covered.
You also get an additional 31 days of Cash App ATM fee reimbursement after successfully activating your direct deposits.
How to Setup Cash App Paycheck Direct Deposit:
- On your Cash App home screen, click the Banking tab.
- Under your balance, tap the account and routing numbers.
- Copy the account and routing numbers.
- When asked for a bank account during direct deposit set up, provide the account and ACH routing number.
How to Find the Cash App Direct Deposit Form:
- On your Cash App home screen, click the Banking tab.
- Select Direct Deposit.
- Select Get Direct Deposit Form.
- Provide your employer information, the amount you would like deposited from your paycheck, and sign the form.
- Choose Email Form and enter the recipient’s address before tapping Send.
How Long Does Cash App Direct Deposit Take and Time Does it Hit?
Initially, it can take between 1-2 payroll cycles for direct deposit to take effect on Cash App. The time a direct deposit hits your Cash App account I midnight. Your funds are available early in the morning of payday unless there’s a holiday or the ACH from your employer came after business hours.
See our guide on what to do if you see the Cash App pending payment will deposit shortly notification.
What ATM Doesn’t Charge a Fee for Cash App?
There isn’t an ATM that doesn’t charge a fee for Cash App. However, you can withdraw cash from an ATM using your Cash App Cash card, and you’ll be charged a $2 fee per transaction for withdrawals.
However, you will be reimbursed by Cash App for up to $7 in ATM dispense fees once you’ve received qualifying direct deposits of $300 or more. You’ll only get repaid the ATM fees for accounts that receive $300 or more in paychecks each month directly deposited into Cash App.
In addition, you can avoid added ATM fees past the $7 limit by transferring your Cash App balance to your local bank account. Then withdraw cash using your bank card at an in-network ATM.
See our guide on how to transfer money from Chime to Cash App without a debit card.
How To Add Money to Cash App Card at ATM?
Unfortunately, you can’t directly add cash to a Cash App Card at an ATM. However, you can transfer your money from your traditional card to your Cash App account. It’s done by adding money at an ATM to your card and funding it from your Cash App wallet.
Take note that ATMs typically only accept deposits from cards from the same bank.
When you use your Cash App card to make purchases online or in-store, you can also directly draw funds from the debit card linked to your account.
What is the Cash App Card ATM Withdrawal Limit?
Cash App can be used at any ATM. While the fee is cheaper than a regular bank ATM withdrawal, there is also a Cash App Card withdrawal cash limit.
The Cash App Card ATM withdrawal limits include:
- Per transaction – up to $310
- Per day – up to $1,000
- Per week – up to $1,000
You will not be able to withdraw more than the Cash app limits listed above with your Cash Card.
See our guide on what stores can I load my Cash App card.
How to Get Money Off Cash App Without a Card at ATM?
By linking your Cash App account to your bank account, you can withdraw money without a card at an ATM. You can get your Cash App withdrawals over the counter once they are in your bank account.
Follow these steps to withdraw money from Cash App to a bank account:
- On your Cash App home screen, select the Balance tab.
- Select Cash Out.
- Specify the amount and confirm Cash Out.
- Choose the deposit speed you prefer.
- Verify using your PIN or Touch ID.
Adding a bank account to your Cash App as follows:
- On your Cash App home screen, select the Banking tab.
- Select Link Bank.
- Continue as instructed by providing the necessary banking information.
You can also check the Cash App online support page for more information and inquiries.
See our guide on why Cash App can’t link your card at this time.
Free ATMs For Cash App Summary
There are no free ATMs for Cash App, and you’ll need to pay $2 per withdrawal. But, Cash App does offer ATM fee reimbursement. You’ll get refunded up to $7 in ATM fees if Cash App receives $300 or more every month in paychecks directly deposited into your account.
It’s important to note that there are ways to avoid the extra withdrawal fees by linking your Cash App to a traditional bank account. Then withdraw cash from an in-network fee-free ATM using your local bank account.
Furthermore, you can avoid unnecessary fees with proper money management, including setting a schedule and limiting how frequently you withdraw funds from an ATM.
See our guide on why some random person sent me money on Cash App.