Where to Get $100 Cash Back Near You: Which Retailers Charge Fees and Which Don't

Finding a place to get cash back has become increasingly complicated in 2026. With bank branch closures accelerating and ATM networks becoming more fragmented, retail stores remain the most accessible option for many Americans—but not all of them offer the service for free. If you need $100 cash back, here’s what you need to know about which retailers will charge you and which won’t.

According to the Consumer Financial Protection Bureau (CFPB), Americans now pay over $90 million annually in fees just to access their own money at retail stores. CFPB Director Rohit Chopra explains that as traditional banking access becomes scarce in rural and underserved communities, retailers have found an opportunity to monetize what was once a standard free service.

Retailers That Charge Fees for Cash Back

Over the past few years, several major dollar store chains and grocery retailers have introduced fees for cash withdrawal services. The impact falls hardest on consumers with fewer banking options—typically those in small towns and low-income areas where retailers already charge premium prices for everyday items.

Family Dollar charges $1.50 per cash back transaction under $50. For your $100 withdrawal, you’d pay beyond their fee structure, though costs may vary by location.

Dollar Tree (owned by the same parent company as Family Dollar) charges approximately $1 per cash back transaction under $50. Like Family Dollar, their fee structure means larger withdrawals like $100 cash back may incur different rates depending on your store location.

Dollar General, one of the nation’s most widespread discount retailers found in rural areas, has implemented variable fees ranging from $1 to $2.50 per withdrawal on amounts up to $40 according to CFPB research from 2022. Given that many Dollar General locations are in underserved communities, these charges disproportionately impact consumers with limited banking alternatives.

Kroger supermarkets have also adopted cash back fees, though their rates are somewhat lower than dollar stores and their limits are higher. At Harris Teeter locations, the fee is 75 cents for cash back up to $100 and $3 for withdrawals between $100 and $200. At other Kroger-affiliated stores like Ralph’s and Fred Meyer, you’ll pay 50 cents for up to $100 cash back and $3.50 for withdrawals between $100 and $300.

Where You Can Get Cash Back Without Paying Fees

If fee-free cash access is your priority, several major retailers still offer the service without charges. Understanding the limits at each retailer can help you plan ahead:

• Walmart allows up to $100 cash back at no charge
• Albertsons permits up to $200 cash back with no fee
• Target offers up to $40 cash back free
• CVS provides up to $60 cash back without fees
• Walgreens gives up to $20 cash back at no charge

For consumers seeking $100 cash back, Walmart and Albertsons are your best options among major chains. Both stores are widely available nationwide and neither charges fees for this service.

Choosing the Right Store for Your Cash Back Needs

The retailer you choose should depend on several factors: availability near you, fee structure, and withdrawal limits. While free-fee stores are obviously preferable, not all communities have convenient access to Walmart or Albertsons—which is precisely why dollar stores’ fee policies disproportionately affect rural residents.

If you need $100 cash back near you, Walmart remains your most accessible option nationwide with zero charges. For larger amounts, Albertsons up to $200 offers even more flexibility without fees. However, many consumers in underserved areas may not have these options nearby, forcing them to choose between paying fees at Dollar General or other dollar chains, or traveling further to reach a fee-free retailer.

The shift toward cash back fees represents a troubling trend for financial equity, as those with the fewest banking alternatives now face additional costs just to access their own money.