Getting cash

Where can I withdraw cash from my ONE account?

You can withdraw cash fee-free at any Walmart location in the United States.

You can also withdraw cash at most ATM locations using your ONE debit card. ATM cash withdrawals are fee-free at 55,000+ Allpoint ATMs nationwide for eligible direct deposit customers, receiving $500 or more in qualifying direct deposits in a 31 day period. You can find an Allpoint ATM near you through the ONE app.

Additionally, merchants may allow you to withdraw cash at the register when making a purchase.

How do I withdraw cash with my ONE debit card at Walmart locations? 

  • Take your ONE debit card to any Walmart cashier, Money Center, or Customer Service Desk
  • Let the Walmart Associate know that you would like to withdraw cash from your ONE account, along with the withdrawal amount
  • The associate will prompt you to swipe your ONE debit card and enter your pin in the register’s pin pad
  • Confirm the amount you are withdrawing in the register’s pin pad
  • Once the transaction has been completed, your funds will immediately be withdrawn from your ONE account’s Spend Pocket

This service is not available at Sam’s Club locations or at international Walmart locations outside the United States.

How do I withdraw cash using my ONE app at Walmart locations? (limited availability)   

  • Open and log in to your ONE app on your phone
  • Navigate to the Pocket you would like to withdraw funds from
  • Tap on Move $
  • Select Withdraw Cash
  • Enter the amount you wish to withdraw 
  • A barcode will be generated that you will take to a Walmart Money Center or Customer Service Associate
  • The Walmart Associate will scan your barcode and verify your identity*
  • Once approved, you will receive the requested cash for your withdrawal along with a receipt

This service is not available at Sam’s Club locations or at international Walmart locations outside the United States.

*Please note that you will need to verify your identity using an accepted form of government-issued ID. Acceptable forms of government-issued ID include a state ID or Driver’s License, Military ID, Social Security Card along with a US government-issued picture ID, or U.S. Passport.

Are there any fees for withdrawing cash?

There is no fee for cash withdrawals at Walmart using your ONE debit card.

ATM cash withdrawals are fee-free at 55,000+ Allpoint ATMs nationwide for eligible direct deposit customers. You can find an Allpoint ATM near you through the ONE app.

ATM providers outside this network may charge a fee. If you’re not an eligible direct deposit customer you will be charged a $3 fee for ATM withdrawals in addition to any fees charged by the ATM provider.

What Pocket can I use to withdraw cash?

When using the Cash Withdrawal Barcode at Walmart, any Spend or Save pocket is eligible to withdraw funds. If you are using your ONE debit card to get cash, you can only withdraw funds from your Spend Pocket.

What are the limits for cash withdrawals?

Walmart locations: You can take out a maximum of $999.00 for each transaction but can not exceed $3,000 for the day.

ATMs: You can withdraw up to $500 a day.

All cash withdrawals using your debit card are subject to the $5,000 daily card spending limit. 

You aren’t able to withdraw cash using a barcode if the amount requested dips into Overdraft Protection. You can only withdraw funds that are available before your Overdraft Protection kicks in.

If you need more cash than the $500 ATM limit or the $3,000 Walmart cash withdrawal limit, you can get additional cash from your Spend pocket by going into a bank or credit union and presenting your ONE card and photo ID to the teller. This is often referred to as an “over-the-counter withdrawal”. ONE doesn’t charge a fee for this type of transaction, but the bank or credit union may.

Can I earn cash back rewards on cash withdrawals?

Cash withdrawals and purchases that include cash withdrawals are not eligible for cash back rewards.

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