Prohibits temporary assistance for needy families (TANF) benefit cards from being used at ATMs or to access cash

HB 3245 restricts how Temporary Assistance for Needy Families (TANF) and SNAP benefits can be used. It prohibits using benefit cards at ATMs or for cash withdrawals, and bans purchases at liquor stores, casinos, or for alcohol, lottery tickets, tobacco, or other items deemed "not in the best interests of a child or household." Recipients violating these rules risk losing benefits for 3 months (first offense) to 5 years (third offense), while businesses accepting payments for prohibited items face fines up to $1,000 per violation. The bill applies directly to TANF and SNAP recipients and retail businesses accepting benefit cards.