How to withdraw money without a debit card

How Can I Withdraw Money From My Checking Account Without a Debit Card?

Getting money from your checking account when you don't have a debit card can be easy or a little more complicated depending on your approach. The most straightforward options involve visiting a bank branch or other physical location in person.

Banks place a high value on protecting their customers, so be prepared to show a government-issued ID like a driver's license or passport, enter a password or PIN, and possibly even share a particular phrase created for security purposes when you opened the account.

Some simple ways to withdraw money without a debit card include the following:

• Cash a check at your bank. This involves writing a check for the amount you need and visiting a bank branch to retrieve funds.
• Cash a check at a store. Some supermarkets and other types of stores will cash your check for you for a fee.
• Use a withdrawal slip at a bank branch. You can visit your bank and fill out a form with your account information and amount you want to take out and present it to a teller.
• Work with a bank teller. Let the teller know you don't have a card, and they can walk you through the bank's process of retrieving money from your account.

In addition to the options above, there are other ways to get money from your account without a debit card. One option gaining popularity is cardless ATMs. They use near-field communication (NFC) technology to help customers gain access to their money without the hassle of keeping physical cards, similar to using a card in your digital wallet to pay at the grocery store.

To take advantage of this option, you'll need a cellphone and your bank's app downloaded on your phone. To get cash at an ATM, you'll sign in to the banking app on your phone and hold the phone up to the ATM's NFC receiver. Once the machine confirms it has your information, you can use the ATM exactly like you would if you had inserted a debit card. Bank of America, Chase and Wells Fargo are just a few banks that offer cardless or "tap" ATM access.

If you prefer to use a physical card but yours was lost or stolen, your bank likely can provide you with a temporary card while you wait for your permanent replacement, which usually takes about a week. Additionally, if you have a debit card for an account with a different institution, you might be able to transfer money between accounts and withdraw money that way too if necessary.

Where Do I Find My Routing Number and Account Number?

If you don't have access to a debit card but still need to withdraw money from the account it's linked to, you may need to know the routing and account numbers associated with the account. There are a few ways you can find this information.

• Checkbook: If you have a physical book of checks, you can find the routing and account numbers at the bottom of the check. You'll see three groups of numbers: On the far left is your routing number, in the middle is your account number and on the right is your check number.
• Online banking: You can access your bank account online and look for the account and routing numbers there. If you have trouble finding them, search the help section of the site or contact a service rep.
• Mobile app: You can usually find your account and routing numbers on your bank's mobile app.
• Bank: If you go to a bank branch with appropriate identification, a teller or bank representative can give you your routing and account number.

How Much Money Can I Withdraw From a Checking Account?

When you have to put in the extra effort to withdraw money because you don't have a debit card, it may make sense to take out a little more cash than you need at the time. However, there might be some limits on how much money you can take out depending on the method you use.

If you make a trip to a physical branch of your bank and connect with a teller, you can usually take out more than you could from an ATM (though not more than you have in your account). If you opt to withdraw money at an ATM, you will likely have a maximum amount you can withdraw. ATM withdrawal limits depend on which bank you use and what type or "level" account you have. Some banks allow withdrawals as high as $2,000, but most banks set a limit of around $300 to $1,000. You can always check with your bank to see what your limit is.

By India Today Tech: The Reserve Bank of India (RBI) has directed all banks, ATM networks, White Label ATM Operators or WLAOs to offer Interoperable Card-less Cash Withdrawal (ICCW) facility across all ATMs in the country. Once the facility is live for all banks, everyone will be able to withdraw cash from ATMs without using debit or credit cards.

RBI has also asked the National Payments Corporation of India (NPCI) to facilitate Unified Payments Interface (UPI) integration with all banks and ATM networks to help in authenticating the transactions. “All banks, ATM networks and WLAOs may provide the option of ICCW at their ATMs. NPCI has been advised to facilitate Unified Payments Interface (UPI) integration with all banks and ATM networks,” RBI wrote in a recently released circular.

The central bank further explained that customer authorization will be done with the help of UPI but the settlement will be done through the National Financial Switch (NFS) or the ATM networks. “The on-us / off-us ICCW transactions shall be processed without levy of any charges other than those prescribed under the circular on Interchange Fee and Customer Charges,” the circular noted.

The withdrawal limits will be in line with the limits for regular on-us and off-us ATM withdrawals, the central bank noted. “All other instructions related to Harmonisation of Turn Around Time (TAT) and customer compensation for failed transactions shall continue to be applicable,” the circular noted.

Currently, only select banks like ICICI and HDFC offer cardless cash withdrawal facility at their ATMs. As days pass, all other banks operating in the country will allow customers to withdraw money from ATM without the help of their debit or credit card. Let’s take a quick look at how you can withdraw money from ATM without using debit and credit card.

How to withdraw cash without using the card

To use this facility, one needs to request the bank to enable the facility first. Here’s how to do this (for ICICI bank):

-Head over to Services in the ICICI Bank mobile app.

-Click on the Cardless cash withdrawal option.

- Enter the amount, followed by the 4-digit temporary PIN, and select the account number from which you want to use to withdraw the money.

-You will then need to confirm the details displayed on the pre-confirmation screen.

-Click on the submit option.

Once the facility is successfully activated, you will receive a message with a unique 6-digit code on the registered mobile number from the bank. The code will be valid only for up to six hours. The next steps to be followed include:

-Visit your nearest bank ATM (ICICI bank ATM in this case) and enter details like -- the registered mobile number, the temporary 4-digit code that you have set, the 6-digit code that you received in SMS, and the withdrawal amount.