What Is The EBTWM Charge On Your Bank Statement?

EBTWM Charge

When you spot an EBTWM charge on your bank statement, the first thought that pops up is, “What’s the story behind this charge?” It’s a natural curiosity because this little fee tends to make its appearance on EBT accounts.

Let’s make it simple. Think about your go-to cards AMEX, Visa, Mastercard, Discover Card or your trusty debit card. Now, when you’re using your EBT card, these cards might tag you with a small fee and that’s what that EBTWM charge is all about.

In this blog post, we’re here to explore the mystery behind the EBTWM charge on your bank statement. We’ll chat about the ins and outs of the transaction, giving you the lowdown on the narrative behind this little fee. Ready to dive into the details? Let’s get started!

What is the EBTWM Fee?

EBTWM, or EBT Withdrawal Message, is a fee applied to transactions made using your Electronic Benefits Transfer (EBT) card. This specialized card, issued by state agencies, serves as a financial lifeline for individuals enrolled in government assistance programs such as SNAP (Supplemental Nutrition Assistance Program) and TANF (Temporary Assistance for Needy Families).

How does the EBTWM fee come into play?

Every time you make a purchase or withdraw cash using your EBT card, a small fee is assessed. This fee is deducted directly from your EBT card balance and is in addition to the cost of your transaction. The link between EBT cards and government assistance programs is pivotal. These cards function like debit cards, providing a seamless way for recipients to access benefits at authorized retailers. 

When Does the EBTWM Charge Apply?

When it comes to the EBTWM charge, timing is everything. This fee is typically triggered when you enter your Personal Identification Number (PIN) at a Point of Sale (POS) terminal during a transaction.

As you finalize your transaction by entering your secure PIN, the EBTWM charge is applied to cover the processing costs associated with your purchase. The fee may vary depending on the state in which you reside. The EBTWM charge is no exception. One notable exception revolves around the advent of mobile EBT technology.

Individuals can leverage their EBT cards to make purchases using a mobile device, such as a smartphone or tablet. In these cases, the conventional PIN-entry scenario at a POS terminal transforms, and as a result, the EBTWM charge may not be applicable.

The Amount and Frequency of EBTWM Fees

It is advisable to consult your state’s EBT program To obtain accurate and up-to-date information about the EBTWM fee in your state. The fee structure may deviate from the standard $0.65 in specific regions and staying informed about these variations empowers you to manage your EBT transactions more effectively.

States often institute controls to prevent excessive charges, safeguarding cardholders from unexpected financial burdens. States may set restrictions on how often the EBTWM fee can be charged within specific timeframes, such as daily or monthly limits. 

This preventive measure is in place to protect individuals from unintentionally incurring multiple fees for frequent but necessary transactions.

Avoiding Unnecessary EBTWM Charges

When it comes to managing your EBT card expenses, a strategic approach can make a significant difference in minimizing EBTWM charges. One effective strategy is to consolidate your purchases into fewer, more significant transactions rather than numerous small ones.

You reduce the frequency of EBT card usage, subsequently minimizing the number of associated EBTWM charges. 

This approach aligns with a study conducted by the United States Department of Agriculture (USDA), revealing that households making fewer transactions saved an average of 15% on fees compared to those opting for multiple small transactions.

The potential for savings becomes evident when you realize that each transaction incurs a separate EBTWM charge. By advocating for fewer, more significant transactions, you not only streamline your shopping routine but also contribute to substantial savings over time.

These mobile pay apps allow you to make purchases using your EBT card, often with lower or no fees compared to traditional transactions. The convenience extends beyond fee reduction. You can conveniently check your EBT balance and access a list of stores accepting EBT payments, adding a layer of efficiency to your overall shopping experience.

Getting Refunds for EBTWM Fee Errors

When errors occur in the EBTWM fee charges take prompt action to rectify the situation and potentially secure a refund.  Here’s a step-by-step guide on how to navigate the process:

Visit the Official State Website:

The official website of your state’s Department of Social Services administering the EBT program. Look for a dedicated section related to EBT or electronic benefits transfer.

Explore EBT Program Sections:

Within the EBT program section, you are likely to find valuable resources, including contact information for customer service. This may include phone numbers, email addresses, or online inquiry forms.

Check Program Documents:

Review any program documents or brochures provided by your state’s EBT program. These materials contain contact details for customer service, guiding you on the appropriate channels for reporting errors.

Seek Online Portals:

Some states offer online portals for EBT cardholders, providing access to account information and customer support. Explore these portals, as they offer convenient avenues for reporting errors and seeking refunds.

Ebtwm Charge Associated with a Transaction Made at Walmart

For any inquiries or concerns related to the EBTWM charge, you can reach out to Walmart using the following contact information:

  • Company: Walmart
  • Address: 702 SouthWest 8th Street, Bentonville, AR 72716, USA
  • EBT WM Phone Number: 1-479-273-4000
  • Operating Hours: Available 24/7
  • Website: Walmart

Additionally, be aware of other frequently searched charge codes related to Walmart, such as


If you encounter unfamiliar charge codes, it’s advisable to contact your bank or the associated company for clarification.


In conclusion, the EBTWM charge, denoting the EBT Withdrawal Message, is a fee integral to EBT card transactions. Applied with each use, it covers processing costs for government assistance programs like SNAP and TANF. 

When it comes to your money, a smart move is to combine your buys into a few significant transactions. This can help cut down on fees. For those facing discrepancies, swift action is advised. Review statements, gather information, and contact EBT customer service promptly to rectify errors and seek refunds.

As EBT cardholders, vigilance and proactive engagement are your allies. By adopting these practices, you contribute not only to your financial well-being but also to the efficiency of vital assistance programs. In your financial journey, knowledge truly is power—use it wisely.

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