Unfortunately, most U.S. credit card issuers won't let you use promotional balance transfer offers to move money over to your checking account. While it might be worth asking your card issuer if you can do so, you'll typically need to use more expensive methods to make cash from your credit card available for everyday banking.
ATM Cash Advance
Using your credit card to withdraw money from an ATM and paying it directly into your bank account will be one of the quickest ways of moving the funds you need. To do so, you'll need to know your PIN. If you don't have this, call your card issuer and ask for it to be mailed to you. You may not be able to take your entire available balance as a cash advance. Check with your card issuer to find out your cash advance limit before attempting a withdrawal.
Direct Deposit and Credit Card Checks
Many lenders offer an online transfer service that allows customers to transfer money from a credit card to a bank account. Log into your online banking, find a link to your card issuer's direct deposit service, and follow the instructions to make your transfer. Alternatively, call your lender's customer service line to request a direct deposit transfer over the phone. You can also use any credit card checks your lender sent you to deposit funds from your credit card into your bank account.
Some banks offer overdraft protection advances that transfer money from your credit card to your bank account when it is overdrawn. This can help you avoid overdraft fees if you regularly go into the red. Contact your bank by phone or take a look at your online banking facilities to find out if your lender provides overdraft protection. If it does, you'll typically be able to set things up over the phone or online.
Fees and Interest
Moving money from your credit card to your checking account is an expensive way of managing your finances. The majority of credit card issuers charge a cash advance fee and levy a higher rate of interest on money withdrawn from ATMs. The same is true of direct deposit transfers and credit card checks. Overdraft protection charges a transaction fee every time you need to use it, on top of interest on the money you borrow.