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.
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.
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
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.
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.
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
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.
If you are currently a Direct Express Card holder, you are probably wondering about customer support and how that works. Among the government issued prepaid cards, we think Direct Express Customer Service is NOT very good. The automated system is confusing and often leads to a dead end. Also, we have received reports of long hold times, with some customers being asked to call the following morning after having been on hold for 20 or more minutes. Also, getting a live person is a challenge, but we have figured out an easy way for you to get a live person to answer your Direct Express Card questions. See below for instructions.
Direct Express Customer Service Live Person
Here is how to talk to a live person. First, dial the customer support toll free number at 888-741-1115. Then when you get through, Choose option 3 immediately when it picks up and then you will get a human to talk to. Be aware that hold times can be long, with some customers reporting a 30 minute or more wait time before they are able to talk to a live person.
It is important to note that Direct Express is NOT the same as Cash Direct Express, which is different company running a payday loan service that is not affiliated with the government issued Direct Express Card. Some consumers that have had a bad experience with Cash Direct Express are calling the government issued card service to complain or are complaining online about Direct Express when they are actually venting about Cash Direct Express.
One of the features we like about the Direct Express Card is the ease with which you can have a lost or stolen card replaced. Direct Express lost card replacement can be done in one easy step. But you will need to provide some information to help customer service to properly identify you. This is important because while you are eager to get a replacement card sent to you right away, customer service must be certain that the cardholder is requesting the replacement card and not a scammer trying to illegally gain access to your account. It is therefore important to follow the steps required to get your Direct Express card replacement.
Direct Express Lost Card Replacement
As soon as you find out that your Direct Express Card is lost or stolen, immediately call the Direct Express card Customer Service Department, at 1 (888) 741-1115 (toll-free). If you are calling from outside the U.S, call 1-765-778-6290 (Collect). A customer service representative will assist you and a new card will be sent to you.
It is important that you call right away because if someone is illegally using your card, calling right away protects you from losing funds deducted from your card by an unauthorized user. This also protects your Social Security benefits.
There is no fee charged for the first card replacement within a year. Once you use your free card replacement for the year, you will be charged $4 for any additional card replacement request.
There are steps you can take to keep your card and account safe from authorized use. Because most of the users of Direct Express cards are seniors, scammers have actively been trying to defraud cardholders – thinking that seniors are an easy target. But you can fight back. You should take steps to protect your card and personal information at all times. Also, note that Direct Express will never contact you by phone, email, or text message to ask you for your card number, PIN or security code. If you have responded to any communication asking you to provide any card or personal information, please inform Direct Express customer service immediately by calling the number on the back of your card or 1 (888) 741-1115 (toll-free).