What to Do if Your EBT Balance Runs Out Early

Running out of your EBT balance before the end of the month is a stressful and unfortunately common situation. The gap between an empty account and your next deposit can feel overwhelming, but there are several options you can tap into for support. If you are facing a shortage, consider these three strategies to help bridge the gap.

Apply for Expedited (Emergency) SNAP Benefits

If your balance hits $0, you may be able to get emergency benefits. First, check if your household qualifies based on state guidelines. You may be eligible if you meet one of the following conditions:

• You have under $150 in gross monthly income and $100 or less in liquid resources.

• You are a migrant or seasonal farm-worker household with $100 or less in resources.

• Your monthly income and resources are lower than your rent or mortgage plus utilities, as explained by Montana Law Help.

Next, gather a photo ID, proof of income, and your latest rent or utility bill. You can file a SNAP application at a local Office of Public Assistance, online, or by calling the Public Assistance Helpline. When the form asks if you need benefits right away, mark “Yes—Expedited Service.”

After a brief interview, you can expect benefits within seven calendar days. This emergency aid can be a lifeline before your next benefits arrive on the regular EBT deposit dates. If you need help with paperwork, the Montana Food Bank Network’s SNAP hotline can walk you through it; you can find more program information online.

Ask DPHHS to Recalculate Your Benefit Amount

Your benefit amount is not set in stone. If your financial situation changes, you can ask DPHHS for a recalculation, which could change your monthly amount on the established SNAP payment schedule.

First, compare your current numbers to the latest income limits. If your work hours were cut, rent went up, or you have new childcare or medical bills, you may qualify for a higher allotment.

Next, collect proof of the change, like paystubs or a new lease. Complete the “Report of Change” in the My Benefits portal or call your OPA worker to request an “interim certification interview.” Approval can mean a higher amount on your next deposit, rather than waiting for annual recertification.

Use Montana’s Statewide Food-Rescue Network

You can also stretch your meals without spending any benefits by using the state's food-rescue network. This can be a great help while waiting for your next EBT payment schedule.

Search the Montana Food Bank Network’s “Get Help” map or call Montana 211 to find the closest pantry. Many sites participate in the state's Retail Food Rescue Program, distributing groceries donated daily by stores such as Walmart, Costco, Albertsons, and Target.

Ask the pantry about its “rescue” or “fresh drop” schedule. Produce, meat, and bakery items are often free and unlimited, which can cover several dinners. If getting there is difficult, many rural counties in Montana run MFBN Mobile Pantries that hold one-day “food-share” events.

Track Your EBT Balance and Earn Cashback with Benny

Benny helps you track your EBT balance in real time and get cash back on eligible purchases at stores like Target, Walmart, Kroger, Costco, and Whole Foods. This makes it easier to manage your budget around the Montana SNAP payment dates.

To begin, link your EBT card to the app. After you make a purchase, scan your receipt with Benny to receive cash back on SNAP-eligible items. This can be a helpful supplement while you wait for the next EBT payment schedule.

Download Benny to take control of what you spend and get more from your EBT benefits.