How to Withdraw Money From a Bank Account

Debit cards allow you to withdraw cash from your bank account at locations nationwide.

Withdrawing money from a bank account is easily accomplished--if you have the legal right to access the account. The withdrawals can be made in a variety of ways, including through in-person bank visits and electronic transactions. You can also legally withdraw money from someone else's account with a court order.

Instructions

1. Use a debit card linked to your checking or savings account. Insert your card into an ATM terminal to withdraw cash. Enter your personal identification number and follow the prompts to get cash from your banking or savings account.

2. Get cash back with purchases. Find retail stores that accept debit cards with the option to receive cash when you pay. Swipe your debit card through the card reader at checkout and select the option for "Cash Back." Follow the prompts to pay for your purchase and receive cash from the cashier. The cash will be added to your purchase amount and deducted from your checking account.

3. Withdraw money electronically by transferring it to another bank account through a wire transfer. See a teller at your bank to make the transaction. Present your driver's license or debit card as identification. Then authorize the bank to withdraw funds from your banking or savings account and wire the money to another account. Present the bank with the routing number and account number for the receiving account. Routing numbers are nine-digit numbers on the bottom left of your checks or savings account deposit slips. The account number appears to the immediate right of the routing number.

4. Transfer money over the Internet using your online banking account. Log onto the system and click on "Transfer Money" or a similar tab. Follow the prompts to indicate how much money you want sent from your account and where. Provide the receiving account's routing number and account number when prompted.

5. Win a judgment in a civil court. You can file suit against someone who owes you money, and if the judge rules in your favor, you may be granted the right to withdraw money from the person's bank account through a procedure called garnishment. A court order signed by the judge is necessary for garnishment.

References

• Minneapolis Legal Aid: Garnishment and Your Rights
• Bankrate.com: Wiring money is convenient, but it can be slow and costly, too
• University of Nebraska: How do I locate my bank routing number and checking account number?