Using Direct Express at ATMs

How do I use my Direct Express at ATMs to get cash?

When using your card at an ATM, insert the debit card and enter your PIN. Press either the checking or savings button on the ATM. Select “Cash Withdrawal.” Enter the amount of cash needed and press “Enter.” Don’t forget to take your receipt.

The Direct Express card surcharge-free ATM network offers surcharge-free ATM access at approximately 50,000 ATMs throughout the country including Comerica Bank, Charter One, Privileged Status, Alliance One, PNC Bank, MasterCard ATM Alliance, and MoneyPass. To avoid surcharge fees look for ATMs that display these logos:

atm

ATMs with these logos will not charge a surcharge fee. Although you may use your Direct Express card at any ATM that accepts Debit MasterCard, only ATMs with these logos will not charge a surcharge. 

How do I get cash if I don’t live next to a Direct Express Card surcharge-Free network ATM?

Even if you don’t live near a Direct Express card surcharge-free network ATM you can avoid fees by

  • Using your Direct Express card at retail locations when you make purchases instead of getting cash at an ATM.
  • Getting cash back for free when you make purchases at many retail locations
  • Going to any bank or credit union that accepts MasterCard and get cash from a teller free of charge.

For other ways to avoid ATM fees, we suggest that you review the tips on how to use your Direct Express card at retail locations to make purchases and get cash back for free.

How much will I be charged if I go to an out network ATM?

Surcharge fees for cash withdrawals made out of the Direct Express card surcharge-free network will vary and will depend on the ATM owner’s policies. Typically, an ATM will tell you about any surcharge before processing your transaction and give you the option to cancel. It’s important to remember that while Direct Express cardholders are allowed one free ATM cash withdrawal for each payment they receive, out-of-network ATM owner surcharges may still apply. To locate an in network ATM, cardholders can visit www.USDirectExpress.com or call the Direct Express toll-free Customer Service Department at 1 (888) 741-1115.

Using my Direct Express Debit card, what is the maximum amount that I can withdraw from an ATM at one time?

Comerica Bank does not impose a daily limit for ATM withdrawals. However, many ATM owners do set limits and you may withdraw up to the maximum amount allowed by the ATM owner. ATM owner’s daily ATM withdrawal limits typically range from $200 to $1,000.

Direct express at atms

If I use an ATM outside of the Direct Express card surcharge free network, how do I know if a surcharge fee will be charge when I withdraw cash?

When you withdraw cash at an ATM outside the Direct Express card surcharge-free ATM network, the ATM owner must provide a notice before you have to pay the fee. You will receive the notice at the ATM and then be given the choice of continuing or canceling the transaction. If you choose to continue, you will receive your cash and the fee will be deducted from your debit card account. If you choose to cancel the transaction, you will not receive your cash and you will not be charged any fees. 

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How to Apply for Direct Express Debit Card

How to complete the application

If you are a Benefit Recipient (the person entitled to Federal benefits)

Step 1: Complete Sections 1 and 4 on the Direct Express Application

      Apply for Direct Express Apply for Direct Express

Step 2: Mail in the completed and signed application, along with any documents from Section 3 of the application, that are relevant to the address below

If you are a representative Payee (someone who receives payment on behalf of a benefit recipient)

Step 1: Complete sections 1,2, and 4 of the Direct Express application

Apply for Direct Expressapply for direct expressApply for Direct Express

Step 2: Mail the completed and signed application, along with necessary documents in Sections 3 of the application, to the address below.

Mail your completed and signed application and any copies of the necessary documents to

apply for direct express

When the application is received

When your documents and application for the Direct Express is received , your personal information will be verified and the federal agency will confirm your payment. You should receive your Direct Express debit card in 7 to 14 days. Your payments will then be automatically deposited to your new debit card account on the same day you currently receive your regular paper check. You may receive one more paper check before your payments are switched to the new Direct Express debit card.

*If your information is not complete or we still are not able to verify your personal information or benefit eligibility, a Direct Express Customer Service Representative will contact you.

Applying for a Direct Express Debit Card is easy. There is no credit check or minimum balance requirement. If you are receiving Social Security or Supplemental Security Income benefits you can call Direct Express card enrollment at 1 (800) 333-1795 or find the application to print at USDirectExpress.com.

 

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Direct Express Change Pin Number – How to Guide

If you are a beneficiary of Social Security and Supplemental Security Income and currently get your money electronically via the Direct Express Debit card – and would like to change the pin number on your debit card, see the instructions below:

Direct Express Change Pin Number

Your personal identification number (PIN) is a number you choose when you activate your Direct Express Debit MasterCard. Your PIN is a four-digit number that you enter on the keypad at ATMs and retail locations when you use your card. If you cannot remember your PIN, here is what to do:

You may change your PIN by calling the Direct Express card Customer Service at 1 (888) 741-1115 (toll-free) and a representative will be able to assist you. Be sure to have your card number ready when you call. You can also visit the Direct Express website and login into your account to get a new PIN. Here is how:

Visit www.USDirectExpress.com and click on “Login to Your Card Account”. You will be directed to the login page that looks like the website image below. You will be asked to first enter your User ID and if that is recognized, then you can enter your password to be able to gain access to your account.

"Direct Express Change Pin Number"

Once you login successfully, you will be able to get a new PIN. We hope our instructions were helpful. You can share your comments or questions below. If you encounter problems using the website, you should call customer service at the number provided above so you can get help.

 

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How to do a Direct Express Address Change

If you are currently receiving Social Security and Supplemental Security Income benefits electronically via the Direct Express Debit card and would like to change the address on your card due to a move or whatever reason, we can help you:

 Direct Express Address Change

If you move and want to replace the address on file for your direct express card, you should visit the Direct Express Card Website and login to your account. Here is How:

Step 1:

Visit www.USDirectExpress.com click on “Login to Your Card Account”. You will be taken to a page like the one below. You will be asked to first enter your User ID (if you don’t remember, the User ID is the login ID you set up when you signed up for your card. It consist of 6 to 8 alphanumeric characters). If you don’t remember your User ID, you should click on the “Forgot User Id?” link and you will he able to retrieve it using your card number.

"Direct Express Address Change"

Step 2:

Once you successfully login, you will be able to change your address under the account information. If you need further help, you can call customer service at 1 (888) 741-1115 (toll-free) and a representative will be able to assist you. Be sure to have your card information ready when you call.

NOTE: You will need to separately notify the Social Security Administration about your change of address. Comerica Bank, which operates the Direct Express card program does not provide this information to any federal agency so you will have to do that on your own.

And that is how you do a Direct Express address change. We hope that was helpful. If you have any comments or questions, you can post them below.

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Social Security Direct Deposit Form

The United States Department of the Treasury implemented a new law in March 1, 2013, that required all recipients of federal government benefits, like Social Security, Supplemental Security Income (SSI) benefits, or Veterans Affairs benefits to must receive their benefits electronically. If you are still getting checks in the mail for your federal benefits, you are out of compliance with the law and have 3 options to comply. We have outlined the 3 options in detail in this article. If you are not aware of this new law, then you should watch the video below to get up to date. The video is from a local TV station in North Dakota but applies to everyone in the US receiving Social Security.

One of the ways to comply with this law is via Social Security Direct Deposit – and we have provided the Direct Deposit From and Instructions below, including where to send the form when you complete it.

Social Security Direct Deposit Form

To sign up for Direct Deposit, click here to download the latest version of the form. Note that the form is available PDF format for downloading and completion. To read and print the form, you must have Adobe Acrobat Reader software installed on your computer.

Social Security Direct Deposit Form Instructions

1. Complete Sections 1 and 2 of the form (See image below with arrows showing sections you have to complete). Then take the form, or mail it to your financial institution (bank or credit union).

"Social Security Direct Deposit Form"

2. Your financial institution (bank or credit union) will verify the information you completed in section 1 and 2. They will then complete Section 3 of the form (as shown below).

"Social Security Direct Deposit Form Instructions"

3.  Your financial institution (bank or credit union) will then submit the form to the Social Security Administration for processing.

If you are having trouble completing this form, there are other ways available to you to sign up for direct deposits. We have detailed these options for you in the our post, which can be found by clicking on this link.

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Social Security Direct Deposit Requirement

If you currently receive Social Security or Supplemental Security Income benefits, you are probably aware that there is a new law that requires that all federal benefits must be paid electronically. This means that the days of getting your Social Security check in the mail are over. The new law was implemented by the United States Department of the Treasury on March 1, 2013. You can watch the video below, which explains the reasons behind the switch. We have provided 3 options below about how you can comply with the requirements of the law.

How To Comply with Social Security Direct Deposit Requirement

As a benefits recipient, you have 3 ways to switch and receive your benefit payments electronically as required by the law:

Option 1 – Social Security Direct Deposit

If you currently have a checking or savings account with a bank or credit union, then you can chose this option. You will have to fill out the Direct Deposit Sign Up Form. When you are done, you can take it to your local Social Security Office or you can mail it in. Click here to download the pdf form. To read and print the form, you must have Adobe Acrobat Reader software installed on your computer.

Here are some other ways to sign up for Direct Deposit:

1. You can also call or visit your bank or credit union to enroll in direct deposit.

2. You can also enroll in direct deposit by calling the U.S. Department of Treasury at 1-800-333-1795.

3. You can also visit your local Social Security office or call them for assistance. To find your local office, click here.

4. You can also call Social Security Administration directly for help. Here is their information and hours of operations – 1-800-772-1213 (TTY 1-800-325-0778) between 7 a.m. to 7 p.m., Monday through Friday.

Option 2 – Direct Express Debit Card

Your second option to comply with the law is to apply for the Direct Express Debit MasterCard, which is a prepaid debit card that is recommended by US Treasury Department as an alternative to getting direct deposit via your bank.Your benefits will be deposited onto the card just like the bank direct deposit and you will get a prepaid debit card that you can use to make purchases, shop online, get cash at ATMs and more. Apply for Direct Express Debit Card.

Option 3 -Electronic Transfer Account

If you want your benefits deposited into a bank account but cannot afford the fees that come with a traditional bank account, then you may choose and apply for the Electronic Transfer Account (ETA), which is a special form of bank account designed by the United States Department of the Treasury for Federal benefit payment recipients. To apply for an ETA account, you have to 1) Find a provider 2) Contact the provider to open an account 3) Sign up for Direct Deposit. To learn more about the ETA account including finding a provider to open an account, click here.

NOTE: If you are currently receiving paper checks for your benefits, you are out of compliance with the law and must select one of the 3 options outlined above to get your benefits electronically. Otherwise, the Treasury Department will contact you about complying with the law.

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Direct Express Fees and Charges

If you currently have a Direct Express Debit MasterCard, you are probably wondering about where you can use the card and what kind of fees and charges come with using your card. This article explains in detail the list of fees associated with your card. But before we talk about that, let’s first look at where you can use the Direct Express Card.

"Direct Express Comerica Bank"

Your debit card can be used anywhere debit MasterCards are accepted. You can use it to make purchases. This includes restaurants, pharmacies, grocery stores, department stores, pharmacies, flower shops and all places that display the MasterCard logo (and accept MasterCard debit cards). If you are unsure, ask first before you make your purchase. Just find out of they take debit/prepaid cards.

You can also use your card to pay everyday bills, like Electricity, phone, cable and rent, provided the company you are making the payment to accepts debit cards as payments. You should call and find out. This applies to both phone and online payments. But remember that online payments have to be set up through the company’s website.

The card can also be used to get cash from ATMs and cash back from places like grocery stores and pharmacies. Now that you know where you can use your Direct Express Card, here are the fees that come with the card. We will first start with the free services that come with the card. These are things you can use the card to do and no incur any fees:

"US Direct Express Fees and Charges"

Direct Express Fees and Charges

These are the services that will incur a fee when you use the Direct Express Debit Card:

"Direct Express Fees and Charges"

Direct Express Fees and Charges

As you can see, the card comes with a lot of services that are free, including purchases made in the United States, Cash back with purchases, ATM balance inquiry, calling customer service for help with your card, getting cash at bank/credit union tellers. Another neat feature is that you are allowed one card replacement each year for free, so should you lose the card, you do not have to worry about being charged for a replacement, unlike other prepaid debit cards that charge up to $25 for card replacements. Click here for a list of Free Direct Express ATMs.

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Direct Express Free ATMs

The Direct Express Debit MasterCard can be used to make purchases, get cash back and pay bills. The card is also accepted at millions of locations where debit MasterCards are accepted. Another great feature about the card is that you can use it to get Cash at ATMS worldwide, wherever the MasterCard acceptance mark is displayed (click here to find an MasterCard ATM). But using the Direct Express Card at certain ATM locations can result in fees. You will always be given the option to cancel the transaction to avoid the fee. You should therefore always read instructions on ATMs very carefully before you complete a transaction to make sure you understand all the charges. If you don’t want to pay any fees for using your Direct Express Debit MasterCard, then you have to use the “No Fee” ATMs shown below:

Direct Express Free ATMs

To avoid paying fees when you use your card, you need to look for ATMs that are owned by the bank or network brand mark identified in the image below.

"Direct Express Free ATMs"

Direct Express Free ATMs

Click here to locate the Nearest Comerica Bank No Fee ATMs

Click here to locate the Nearest Charter One No Fee ATMs

Click here to locate the Nearest Privilege Status No Fee ATMs

Click here to locate the Nearest Alliance One No Fee ATMs

Click here to locate the Nearest PNC Bank No Fee ATMs

Click here to locate the Nearest MasterCard ATM Alliance No Fee ATMs

Click here to locate the Nearest MoneyPass No Fee ATMs

Another option for getting cash on your Direct Express Card (outside of Direct Express Free ATMs) without paying any fees or surcharges is by obtaining cash is at a retailer location. Many retailers will provide cash back with your purchase at the point-of-sale terminal. Ask your retailer if they provide this service as a convenient way to obtain cash. Most grocery stores and pharmacies provide this service.

To learn more about other fees associated with using the Direct Express Card, see our article on the topic.

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How to Apply for Direct Express Card

Applying for the Direct Express Debit MasterCard account is very simple. The only requirement is that you have to be a current recipient of Federal Benefits like Social Security. If you are applying for benefits, you have to wait to be approved (and receive your first payment) before you can apply for the Direct Express Card. If you are currently receiving benefits, then follow the instructions below to apply for a card.

Instructions to Apply for Direct Express Card

Step 1: To sign up for the card, call the Direct Express card enrollment center toll free at 1 (800) 333-1795 or visit their website at www.USDirectExpress.com. Your card will be mailed to you within 10 business days after you successfully sign up.

Step 2: Comerica Bank, the Direct Express card issuing bank, will notify the Social Security Administration (SSA) that you have a Direct Express account. They will provide the Social Security Administration everything they need to send your payment to your Direct Express Account.

Step 3: However, you cannot get access to your money until you receive the card in the mail and activate it. To activate your new Direct Express Debit MasterCard, call the Direct Express card Customer Service Department toll free at 1 (888) 741-1115 You will need the following information in order to activate your card:

  • Direct Express Card Number (16 digit card number
  • Last four digits of your social security number
  • Your date of birth.

You will also need to select a four digit Personal Identification Number (PIN). This is the PIN number you will be using to get cash at ATMs from your Direct Express Debit Card. That’s all it takes to apply for Direct Express card. To learn more about how the card works, watch the video below from the US Department of Treasury:

As you can see from the video, the card is safe to use and has many advantages that makes it attractive for those who do not have bank accounts to receive their federal benefits.

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Direct Express Direct Deposit

If you are currently getting federal benefits like Social Security or Veterans Affairs benefits, you have to comply with a new law that was implemented on March 31, 2013 that requires all recipients of federal benefits to sign up to get their benefits via electronic transfer. That means that if you are currently getting your benefit payment by check, you have to switch to electronic payments. There are 3 options available to get your benefits by electronic payment, one of which is via the Direct Express Card. This post is about how to get your benefits direct deposited onto your Direct Express Debit MasterCard Account. If you need help signing up for a Direct Express Card, click here.

Direct Express Direct Deposit Instructions

"Direct Express Direct Deposit"

Direct Express Direct Deposit

The step required in getting your Direct Express card signed up for Direct Deposit is to first call customer service to activate your card. You can call them toll free at 1 (888) 741-1115. You will be instructed to enter your 16 digit card number, the last four digits of your social security number and your date of birth. You will also need to select a four digit Personal Identification Number (PIN).

Once you complete that process, Comerica Bank, the Direct Express card issuing bank, will notify the Social Security Administration (SSA) that you have a Direct Express debit card account and will give SSA the information it needs to send your benefit payments to your account via Direct Deposit. So, the most important thing you need to do is to sign up for the Direct Express card, and call the customer service number to activate it. Comerica bank will then sign you up with the Social Security Administration for Direct Deposit.

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About Direct Express Help

This website is dedicated to helping Direct Express Card holders find information they need regarding their card, including account login information, customer service contact number, direct deposit and routing information, and any relevant news about the US Direct Express Program. If you are looking for the official Direct Express website, click here. Feel free to use the search box on the page to locate the information you are looking for. If you have specific questions about this site, email us.

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