It can totally happen. You have an emergency and it’s more than what you have in your bank account. It could even be for paying for bills every once in a while during times of need.

It’s OK to use your credit cards instead of getting a traditional payday or personal loan. If you can, you can use your credit card directly to pay things like loans, other credit cards (like balance transfers) or even mortgages.

Yeah, it’s not the best scenario, especially if you can’t make the payments on time, but in a pinch it’ll have to do.

But what if there were times where you can’t pay by credit card? What do you do then? Simple: transfer money from a credit card to a bank account.

Read below to find out how you can use your credit card to get money in your bank account.

Find a Bank That Can Offer This Service

Some banks like the Bank of America allow you to transfer money from your credit card to your bank account. In most cases, it’ll be treated as a cash advance, which means you’re charged interest from the minute you take the money out.

Some ways that these banks help you is through your online banking portal. You either request an immediate funds transfer. You can also request a direct deposit from your credit card. Some of these may take as long as five days so if you need the money right away, it may not be the best option for you.

If this option doesn’t work, you can always withdraw cash with your credit card from an ATM. This will be treated as a cash advance, so check the fine print on the fees and interest charges. You can take the cash and deposit it into your bank account.

Use a Money Transfer Card

A money transfer card is similar to conducting a balance transfer but it gives you the ability to put the money into a bank account. You may have to pay a fee you’re transferring, typically around 1%-4% of how much you’re taking out. Some of these credit cards offer a 0% balance transfer option, which can help you save some money. You then have a certain period of time to pay that money back.

Keep in mind that when you’re applying for a money transfer card, the higher your credit score, the better. This is a good time to check your credit score and make sure your credit report is accurate. Once you’re approved, you’ll be asked how much you want to transfer. Then you can use the money via your debit card or cash withdrawn from an ATM.

Transfer Money Using Square

This is a bit of a hack, but you can use Square (a card reader service) to get money from your credit into your bank account. The blog Tough Nickel outlines it in more detail, but the basic premise is that you swipe your credit card with your Square app, then link it up to your bank account. You will get charged a service fee, but you may not be charged anything from your credit card as long as you pay the balance back on time.

Now, fair warning, you may not want to try this if you’re afraid of violating any terms (which it does). If you do this too often, Square will close down your account.

While not ideal, if you’re looking to transfer money from a credit card to a bank account, you can try any of the three methods to help you. Which one will you try first?