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666 Chapter 3:Processes and procedures • Section 3: Issuance of benefits (07/2026) ATMs Some individuals choose to use ATMs to access their cash benefits. ODHS|OHA does not charge a fee, but there can be a bank surcharge. Many ATMs have a surcharge and the amounts differ. Most ATMs will accept the Oregon Trail Card. The following is a partial list of participating ATMs: • US Bank • Bank of America • First Security Bank • Chetco Federal Credit Union • Card Capture Services. There are other participating ATMs with an Oregon Trail Card sign. For others, the only way to know if the ATM accepts the card is by trying. ATM mis-dispense If individuals contact ODHS|OHA to report they received the wrong amount from an ATM (a mis-dispense), refer them to eFunds/FIS Customer Service Desk at 888-997-4447. Federal banking laws require a resolution within 30 days, but it sometimes takes as long as 45 days. If the bank finds the ATM out of balance, eFunds/FIS will credit the individual’s EBT account. A worker will narrate when an individual calls to report a mis-dispense. SNAP benefits Individuals can access their SNAP benefits through POS devices at retailers displaying the Oregon Trail sign. There is no transaction fee when an individual uses their EBT card to purchase food each month. The retailer is responsible for ensuring only allowable food items are purchased from the SNAP account. Most of the store systems will separate the items into food and nonfood automatically. It would just be a second card swipe rather than a separate transaction. With the card swipe, they select the form of payment, i.e., SNAP or cash. The individual will not receive change or cash back on a SNAP transaction. A return of a SNAP purchase results in a credit to the individual’s SNAP benefit account. Individuals can also access their Oregon Trail Card SNAP benefits when no POS device is available by using an off- line voucher system with retailers approved to accept SNAP benefits. This includes nontraditional retailers such as route delivery providers. These retailers, and traditional retailers when their terminals are down, will use an off-line voucher system. However, not all retailers will process voucher transactions when their terminals are down. If they will not, the individual will either have to return when their terminals are back up or go to a different store. The voucher works much like a credit card transaction. The retailer fills out the voucher, which is then signed by the individual. The retailer compares the signatures on the voucher and the Oregon Trail Card, and then calls for telephone confirmation of benefit availability by eFunds/FIS. The retailer calls the eFunds/FIS Help Desk number. The offline voucher system applies only to purchases from SNAP benefits. Because elderly and SSI individuals in the cash-out demonstration area receive SNAP benefits in their cash account, they will not be able to use the voucher system.