Various embodiments of systems, methods, computer programs, merchant terminals, etc. for providing an on-us cash withdrawal service at a point-of-sale are provided. One embodiment comprises a method for providing a cash withdrawal service at a point-of-sale. One such method comprises: issuing an association-branded financial card to a cardholder, the association-branded financial card comprising an association account number corresponding to a credit card association and a proprietary account number corresponding to an issuer of the association-branded financial card; at a merchant terminal, reading the proprietary account number from the association-branded financial card and receiving a cash withdrawal amount; providing the proprietary account number and the cash withdrawal amount to a switch associated with the issuer; at the switch, determining the association account number based on the proprietary account number; and authorizing the cash withdrawal amount by submitting an authorization request to a issuing host, the authorization request including the association account number and the cash withdrawal amount.