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How To Withdraw Money From My Checking Account Without A Debit Card

Last modified: Sep 29, 2022

Imagine you’ve forgotten your debit card, or it’s been stolen. Are there still some ways to get money out of your checking account?

Keep on reading, and you'll find out how to get money frombank account without a debit card.

Ways to Get Money Out of Your Checking Account Without Your Debit Card

Let's look at some of the most common ways of getting money out of your account without using your debit card.

Withdrawal Slip

There are a few things you will need to do to use a withdrawal slip: 

  1. Make sure you have the correct form and bring your ID.
  2. Fill in the name on the account, account number, and date.
  3. Enter the amount of money you wish to withdraw.

Once the slip is filled out, give it to a bank teller who will process your request.

If you're wondering which well-known banks in the United States you can opt to, Wells Fargo and Chase withdrawal slips are just a few of them. If you don't bank with one of these institutions, check with your specific bank to see if it offers this service.


Nowadays, the common question people ask is, "Can I go to any bank to withdraw money?" and the answer is yes. You can withdraw money from any bank, but you might be charged a fee if the bank is out-of-network. 

When it comes to cashing checks, there are a few things you will want to keep in mind.

  • Make sure that the check is valid.
  • Bring your ID with you. This is especially important if you're trying to cash a check for a large amount of money.

Now that we got that out of the way, let's see a small step-by-step guide on how to cash a check at your bank:

  1. Gather the necessary documents — ID and the check itself.
  2. Bring your documents to your local bank.
  3. Ask the teller to cash the check.
  4. Wait for the funds to get deposited into your account.

And voila, the money is in your hands! Keep track of your check once it's been cashed, and you should have no problems.

Cashing a Check Outside Your Bank

Many of us have been in a position where we required a check cashed, but our bank was closed. So, where else could you cash a check? 

Local shops (gas stations or grocery stores) are some other alternatives to how to get cash without a debit card. However, always check with your local shop to see if they have a limit on cashed checks. 

To cash a check at any of these locations, you must provide valid identification and the check itself. The store may also have other requirements, so be sure to ask.

Mobile Banking

Mobile banking allows you to conduct transactions, including depositing checks, from your smartphone or another mobile device. All you need is an internet-connected device and the associated app for your bank. 

The best part about mobile banking? You can do it anywhere, anytime. Bank of America, Chase, Citi, and Wells Fargo are just a few banks that offer this service. 

Bank Teller

If you need to get money out of your account but don't have your debit card with you at the moment, you can go to a bank teller to do so. You will need to provide the bank teller with some information, such as:

  • Your ID
  • Account number 

Emergency Cash Service

This service allows you to withdraw money from your account if your debit card is lost or stolen. Call the bank's customer service line and request a security code. Then, go to a branch and withdraw money using that code.

Cardless ATMs

People have been using Near Field Communication (NFC) technology to make cardless transactions at ATMs for a while now. This is a great option for those who don't want to carry their wallets around with them or for those who lost their cards.

A few banks that offer this service are Capital One, Chase, and Wells Fargo. So if you have an account with one of these banks, you can use your phone to complete transactions at the ATM. Just make sure your phone is NFC-enabled and has the corresponding app installed.

Can You Withdraw Money From ATM With Account Number?

No, you can’t withdraw money from ATM with an account number. However, you can withdraw money from your bank account using your account and routing numbers at a bank branch.

Mobile Payment Apps

There are several mobile payment apps that allow you to pay for goods and services with your phone. Some of the most popular include Apple Pay, Google Pay, and Samsung Pay. They're incredibly convenient and can save you time when shopping.

These apps work by using the NFC technology we mentioned before, transmitting data from your phone to the merchant's terminal.

Bottom Line

So, how do you withdraw money without your debit card?

You can cash a check at your bank or a store or use a withdrawal slip at a bank branch. There's also the option of using your bank app or mobile wallet for cardless withdrawals or working with a bank teller.

So, there's no need to panic if you forget your debit card at home.

Related How to Withdraw Cash From Your Credit Card Without a Pin?

Related: Debit vs Credit Card


How Much Money Can You Withdraw Without Debit Card?

Many banks allow you to withdraw up to $2,000, although most have a cap of around $300-$1,000. That said, check with your bank to see what your limit is.

Where Can You Find the Essential Numbers and Other Details Needed for Withdrawal Without Debit Card?

If you need to make a withdrawal from your bank account without using your debit card, you'll need to have some key information handy. 

You can get your cash using your account number and the bank routing number. You may also need to know the account type (checking or savings) and the account balance. 

To get this information, you can either look at your bank statement or call the bank's customer service line.

What Is NFC Technology?

NFC (near-field communication) is a wireless technology that enables contactless payments, digital content exchange, keyless entry, etc. 

One of the most popular uses for NFC is making payments with a phone. This is done by holding the phone close to a payment terminal. The payments are quick, easy, and secure, and they are becoming more and more popular.

Is NFC Technology Safe?

Yes, NFC technology is safe. You can withdraw money without a debit card using an NFC-enabled device such as your smartphone. You'll need to have a wireless payment app installed on your phone and find a compatible ATM. Once you've found a compatible ATM, you can simply hold your phone close to the machine and follow the on-screen prompts to withdraw cash.

How Can You Withdraw Money Without Debit Card in Bank of America?

There are a few ways to withdraw money without your debit card at Bank of America. You can either go to a physical branch and request a withdrawal or use your digital wallet for contactless withdrawal.  

Can Someone Withdraw Money With My Account Number?

No, if someone has your account number, they won’t be able to do much with it. However, if someone gets other information — your name, routing number, address, and driver’s license number — they could make fraudulent payments, purchases, or deposits using your account. 

Policy Advice is a website devoted to helping everyday people make, save, and grow money. While our team is comprised of personal finance pros with various areas of expertise, nothing can replace professional financial, tax, or legal advice.

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