7 Ways to get money from Bank account without Debit Card (2022)

If you have a bank account, but your debit card is lost, and you are wondering how you can withdraw money without a debit card.

Well, don’t worry. If you have a checking account, you can still withdraw cash from your bank by following the ways below.

How to get money from Bank account without Debit Card

Short answer: Withdrawing cash from your checking account without a debit card can be easy as you can visit your bank branch and fill out a withdrawal slip or submit a check if your bank details. You can also use a cardless ATM or use mobile banking app or P2P apps to withdraw money from your bank account with debit card.

Below, we have discussed all the possible ways to withdraw money from a bank account without a debit card.

1. Use a withdrawal slip

Withdrawal slip is a slip or form at the bank using which you can withdraw cash from your bank account.

To use the withdrawal slip you will need to fill a few details such as :

  • Date
  • Your name
  • Your checking account number
  • Amount you want to withdraw

Money withdrawal slip

Once you have filled all the details in the slip, take the slip to the bank teller, and you will be able to withdrawal the amount you have mentioned in the slip (if your account have sufficient balance)

Note: Bank might sometimes ask you for an ID proof.

2. Cash a check at Bank

If you have a checking account, you will have a check book. So, you can simply fill out a check for the amount of money you want to withdraw, if you don’t have the debit card.

In case you don’t have the check book, you can get or order one for yourself by contacting your bank

You will need to fill the following details in the check :

  • In the “Pay To” section, write “Cash.”
  • Fill out the date.
  • Amount you want to withdraw
  • Sign the check

Once you have filled the check, visit your bank the nearest branch and hand over the check to the bank teller, and you will get the cash.

3. Cash a check at stores

Not only the banks, but some stores and supermarkets allow withdrawing cash with a check.

This can be handy when your bank is closed or is far away from your location.

However, there can be some limitations of the store to withdraw the cash using a check such as they might impose their own limits.

So, contact the store person to know how much can withdraw and other charges or conditions they have.

You can withdraw cash with check from Walmart, 7Eleven, gas stations and grocery stores.

Some grocery store that allows to withdraw cash with a check:

  • HEB
  • Kroger
  • Publix
  • Winn Dixie
  • Albertsons ($1,000 limit)
  • WinCo
  • Stop & Shop
  • Hyvee

4. Get in touch with a bank teller

In some cases, you can withdraw money from your bank account by contacting directly with the bank teller.

Well, you will still need to know your bank details, and you might also require and ID proof.

So, directly contact with the bank teller, and they fill the withdrawal slip for you or may provide another way to take out cash from your checking bank account.

5. Mobile banking

If you don’t have a debit card, you can simply use mobile banking to send and receive money.

Most of the banks such as Bank of America, Chase, Wells Fargo, PNC and others provide mobile banking options.

You will just need to download and install the mobile banking app of your bank and login with your ID and password.

Once you have the mobile banking app on your phone, you and use it to you scan a code to withdraw funds from your account.

6. Use a Cardless ATM

If you have lost your debit card, you can use the cardless ATM to withdraw cash.

Many banks allow withdrawing cash in an ATM without the use of a debit card by providing a one time password.

Such as Wells Fargo allow you to withdraw cash over 13,000 ATMs without a debit card. For this, you will have to use the bank’s app to get a one-time 8-digit code and use it as the  ATM PIN.

Similarly, PNC bank also allows to you to withdraw cash from ATMs using its mobile banking app.

Banks that allow to withdraw cash from ATM without a debit card are :

  • Wells Fargo
  • PNC Bank
  • Bank of America
  • Bank of Hawaii
  • Chase Bank
  • Fifth Third Bank
  • Salem Five
  • Wells Fargo
  • Wintrust Financial


7. Use a P2P payment app

Nowadays peer-to-peer payment apps are getting very common. Millions of people and stores use and allow the use of these payment apps.

So, if you do not want to use a debit card or have lost it, you can create an account on one of such apps and use it to send money to your friends and other people.

Below, are some renowned Apps that let you send and receive money:

  • Venmo 
  • Cash App
  • PayPal
  • Zelle 
  • Facebook Messenger

What to do when your debit card is lost

A lost debit card probably means one of three things :

  • Either you have misplaced it.
  • Someone has stolen your card
  • Card is damaged or broken

Anyway, don’t panic, here is what to do:

  • 1. Report the loss to your bank:

As soon as you find out your debit card is missing, contact the bank and let them know the scenario.

In this case, you will legally be protected from major losses from any unauthorized charges.

  • 2. Permanently or temporarily disable the card:

In case you have misplaced the debit card, and you feel you might find it later somewhere, you can contact your bank to temporarily freeze the card.

However, if you think the card is lost and will never find it, you should contact the bank and disable the card permanently so that if someone finds the card, they will not be able to use it.

  • 3. Order a replacement card:

If the card is lost, you can simply order a replacement card by contacting your bank.

The bank will issue a debit card, and you will get it delivered to your address within 7-10 business days.


As a recap of this post, if you don’t have a debit card, you can withdraw money from your bank using the with withdrawal slip at the bank, or cash a check at the bank or other third party stores, or simply contact the bank teller or use a cardless ATM if available.

So, that’s all for now folks. I hope after reading this post, you were able to know how to withdraw money from your bank with a debit card.

To read further have a glimpse at our debit card, credit card section or follow a few related posts below.

Further Reading:

(2022) How to use American Express Gift card online 

[14 Ways to Fix] Apple Pay not working hold near reader

Can you have two Discover cards

(2022) Credit Card Chip Not Working [Reasons & Solutions]

How to Fix PC Mastercard tap not working (2022)