Direct Express Website Down Right Now?

Are you trying to login to your Direct Express account online but the Direct Express website is down or not loading up? Here’s what you need to do:

Step 1 – Confirm that Website is down

You will save a lot of time and frustration by confirming that the website is indeed down and not working. If you are trying to access the site via a desktop computer, then trying login in via a smart phone or tablet with the wifi turned off. You want to make sure this problem has nothing to do with your own internet connection or network. Similarly, if you are trying to log in via phone or tablet, then try logging in with a desktop computer. If you still cannot access the site, then there is a problem. You should then call customer service.

Step 2 – Call Direct Express Customer Service

Call customer service to find out what the issue is with the Direct Express Website and the estimated time when they think it will be back up and running. Since the website is down, chances are everyone is calling customer service so you should probably be patient if you cannot get through to them immediately. Also, on any given day, cardholders have reported that it is very hard getting hold of customer service and speaking to a human. We therefore expect that your hold time when the website is down is even going to be longer.

Step 3 – Check Social Media

One of the ways to confirm whether the site is down or when it will be back up is to check social media and see what other cardholders are saying. You should be able to find information online by going to Twitter or Facebook and typing in the hashtag #direct express. That should pull up any current posts about direct express. You may be able to also see an update directly from direct express. Here is their Twitter page.

Use Mobile App as Alternative

"Direct Express Website"

If the Direct Express website is down, you may be able to use the Direct Express Mobile Application, which we have reviewed here and highly recommend to cardholders. It is unusual for the website and the app to be both down at the same time so if you cannot access the site via desktop computer or mobile phone or tablet, you should try downloading the mobile application and logging in that way.

Have you been trying to log into your direct express account and found out the website is down? Did you call customer service? Did you try using the mobile app? Share your experience with us below in the comments section.

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Direct Express App Review

Before you download the app, read our Direct Express App Review. If you don’t already know, the Direct Express card now comes with a mobile application on both Google Android devices and on iOS for Apple’s iPhone and iPad. See our full review below on what you need to know and whether the app is worth downloading.

"Direct Express App Review"

What the Direct Express App Does

The mobile application allows you to do three main functions:

Manage Your Account

With the Mobile app, you can manage your direct express account over the phone. This includes checking your balance, viewing your transaction history, like any deposits of your benefits that may have come in. One neat feature is that you can create an alert to send you a text message when a deposit is made into your account. This is important for those who need to know with certainty that their benefits has been deposited into their account on time. If you are one of those people with bills scheduled to come out of your account and need to know that your money is in, then you will like this feature very much.

Find ATMs

The next important feature that comes with the mobile app is the ability to find the nearest Direct Express ATM near you. If you are one of those people that hate ATM fees, then finding the nearest free ATM for Direct Express is a feature you are going to like on the mobile application. Just as a reminder, the image below shows you the direct express ATM network and how to avoid surcharges.

"Direct-Express-Free-ATM-Network"

PayPerks

The app also comes with PayPerks, which allows you to get familiar with the direct express card and discover ways to use your card that earn chances to win cash prices and rewards.

Here are some more images from the app. Next, we answer the question of whether you should download the app or not.

"Direct Express iphone ipad app"  "Direct Express Android App''

Is it worth Downloading the Direct Express App?

Our answer is YES! Given the problems some cardholders have had trying to contact customer service for simple tasks like checking available balance, reviewing transactions or finding out about a deposit, downloading the mobile app puts all these functions at your finger tips. Also, the alert function helps you stay on top of your money and know immediately when your Social Security or SSI benefits have been deposited into your account. And finally, the “Find ATMs” feature is a very convenient reason to download the app, because it saves you money.

How to Download the App

To download the mobile app, you must have a smart phone. It is best to download apps when you have wifi access, so that you are not using your data plan. If you have an Android phone, click here to download the android app. If you have an iPhone or iPad, click here to download the Apple iOS app.

Do you currently use the Direct Express app? What are your thoughts on the app? Tell us in the comments section below.

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Top Social Security Questions Answered by Video

Do you have Social Security Questions? Social Security is a complicated system with lots of rules. Even for those receiving benefits, there are still questions about ongoing benefit amounts, increases, how long the program will be around, and what Congress may or may not be doing to protect Social Security Benefits. If you are new to Social Security or are getting ready to apply, we also have videos below that answer your questions. Scroll through the videos below. We are positive you will find a video that answers a question you already have or addresses a topic you did not know about.

Social Security Questions Answered

The Ten-Question Social Security Quiz

The video below is one of our favorites because it tests your knowledge about social security. Mass Mutual Life Insurance distributed a 10-question true/false quiz on Social Security to 1,500 adults. Only 28% received a passing grade, and only ONE person got all ten questions right. See if you can get all 10 questions correct.

How Does Social Security Really Work?

This video does a great job of providing you with how social security works, including how it got started, changes over the years with retirement age, benefit amount and how other categories of people (spouses, children, people with disability) have been added to the program over the years.

How to Maximize My Social Security Income

This is a long video, but worth it. You will learn a ton and you will be glad you did. The video goes into strategies on how to maximize your social security income and how you can prepare yourself to take get the maximum benefit.

We will be posting more useful videos as we find them, so check back regularly on this page to see our new content of relevant videos on social security benefits, including any changes or legislation that may be in the pipeline or about to take effect that may impact your benefits.

Posted in Social Security Questions, Social Security Videos Tagged with: , , , , ,

Social Security Payment Schedule 2017

If you’ve just been approved for Social Security benefits or have been receiving Social Security benefits for a while and would like to know the Payment Schedule 2017, you’ve come to the right place. Just like we have done for 2016, we are sharing the 2017 schedule, which we pulled directly from the Social Security Administrations’s website. See below for the full calendar. Many people look at the schedule below and are confused by how it all works. We can help. Here’s what you need to know:

Your payment date depends on when you started your social security benefits. Look at the image below for more details on the Social Security Payment Schedule 2017:

"Social Security Payment Schedule 2016"

As you can see, if you started getting benefits before April 30, 1997, the deposit schedule for your Social Security is pretty simple. You get your money on the third of each month. However, if you get both Social Security and Supplemental Security Income (SSI), then you will get your SSI payment on the first of each month and your social security on the third of the month.

If you started to get benefits after May, 1997, then your deposit schedule gets a little more complicated, based on when your birthday falls on the month as explained in the image above. You could be getting your money the second wednesday, the third wednesday or the fourth Wednesday of the month. All that information is put together in the schedule below.

Social Security Payment Schedule 2017

"Social Security Payment Schedule 2017"

You can also download it in PDF format here.

In the rare situation where your payment does not get deposited, you should allow three days to pass after your payment date before you contact Social Security. Missed payments do not usually happen so the Social Security Administration would like you to wait a few days before you call them since it may be just a delay on your bank’s end. If you are still having problems getting your payment on time, then please tell us in the comments section below. There may be someone else who has experienced the same issue before and may have found a solution to it.

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Social Security Payment Schedule 2016

Are you currently receiving Social Security or have you just been approved to receive Social Security benefits or Supplemental Security Income (SSI) and would like to know the Social Security Payment Schedule 2016? See below for the full calendar. But first, you need to understand how the payment schedule works. Here is what you need to know:

Your payment date depends on when you started your social security benefits. The image below explains how it works:

"Social Security Payment Schedule 2016"

Here is the Calendar for 2016

"Social Security Payment Dates 2016"
You can also download it in PDF format by clicking here.

In case you did not receive your payment on the date indicated above in the calendar, The Social Security Administration asks that you allow three days to pass after your payment date before you contact Social Security. It is very rare for payments to be missed, especially now that most payments are made by direct deposit, however, glitches sometimes happen when you are processing millions of benefit payments, so if you did not receive your money on time and have waited the 3 days, call Social Security for help.

Frequently Asked Questions about Social Security Payments

If I am getting survivor’s benefits, what will by payment date be?

If you are a spouse and are receiving survivor’s benefits, the payment date will be based on the birth date of the deceased individual upon whose work record the benefit payments are being made.

Can I have the direct deposit of my Social Security benefit split between two bank accounts?

No. At the moment, Social Security benefits can only be deposited into one bank account (e.g. checking account, savings account, and prepaid card account). You can however schedule with your bank to have them transfer the all or some of the money into another account that you own. You may even be able to do this yourself online where you schedule monthly transfers into a different bank account.

Posted in Social Security Direct Deposit, Social Security Payment Dates, Social Security Payment Schedule Tagged with: , , , , , ,

Social Security Payment Schedule

If you receive Social Security benefits or Supplemental Security Income (SSI) and would like to know when your payment will be deposited into your account each month, you’ve come to the right place. For the most part, the date on which you receive your payment depends on whether you started receiving social security benefits before or after May 1997. Here is the Social Security Payment Schedule.

If you received Social Security on or before April 30, 1997, your payment date is usually the third of the month. People eligible for both Social Security and Supplemental Security Income (SSI) generally receive SSI on the first and their Social Security on the third of the month. However, if the third falls on a day when banks and credit unions are closed, then you will receive your payment a day or two earlier.

If you started receiving benefits after May 1997, then your benefit payment is made on one Wednesday of the month, depending on your birth date.

  • If your birthday falls on the 1st to the 10th of your birth month, you’ll receive your payments on the second Wednesday of each month.
  • If your birthday falls on the 11th to the 20th of your birth month, you’ll receive your payments on the third Wednesday of each month.
  • If your birthday falls on the 21st to the 31st of your birth month, you’ll receive your payments on the fourth Wednesday of each month.

Note that if you are a spouse receiving survivor’s benefits, the payment date will be based on the birth date of the deceased individual upon whose work record the benefit payments are being made.

If you do not receive your benefit payment by the date expected, allow three days to pass after your payment date before you contact Social Security.

Social Security Payment Schedule

The image below provides a helpful summary:

"Social Security Payment Schedule"

For the 2016 Schedule, click here.

Are you having problems receiving your benefits, tell us below in the comments section.

Posted in Social Security Date, Social Security Payment, Social Security Payment Dates, Social Security Schedule Tagged with: , , ,

Stolen Direct Express Social Security Benefits Card

If you have your Social Security Benefits Card (Direct Express Card) stolen or lost and cannot access your social security benefits, follow the instructions below on how to get your existing card canceled and order a replacement card.

Get A Replacement Social Security Benefits Card

The first step you need to take immediately your card is lost or stolen is to call Direct Express Customer Service to inform them about the missing card. They will then go ahead and cancel the card and order a replacement. You need to call them immediately because the longer you wait, the more likely it is that someone could possibly use your card to make unauthorized purchases. Here is the number to call:

Immediately call the Direct Express® card Customer Service Department, at 1 (888) 741-1115 (toll-free).

Note that it may take a bit of effort to get a live customer service person. We have received lots of complaints from people who have lost their cards and been frustrated trying to reach customer service to report the card lost and get a new one. You can read some of those stories in the comments section of this post. You cannot afford to get frustrated by that. Your goal is to reach customer service regardless of how long it takes, because the longer you wait, the more you put your money at risk.

Once you get a representative on the phone, have them cancel your card and order you a new one.

Monitor Your Social Security Benefits Card Account Online

While you wait for your replacement card to arrive, you should monitor your Direct Express Card online to make sure that no one is making unauthorized transactions on your account. That will also confirm that the old card has indeed been canceled. If you notice any fraudulent activity on your account, call customer service again and have them look into the charges. The sooner you report any fraudulent activity on your account, the better chance you have of getting your missing social security benefits card money back.

Your replacement card should come in the mail. If you don’t receive it by the time indicated by customer service, call them again and get a status update.

We would like to hear about your experience with Direct Express Customer Service in reporting your card lost or stolen and getting a replacement card. Please comment below.

How to Prevent Debit and Credit Card Fraud

Below are two videos on how to protect your debit card from fraud and skimming.

Posted in Direct Express Card Hacked, Direct Express Card Replacement, Uncategorized Tagged with: , , , , ,

Fraudulent Charges on Direct Express Social Security Card

There is an increase in the number of incidents of fraudulent charges on Direct Express Social Security Card. This is becoming a big problem for card holders as we wrote in a recent article. So, what is really going on here? The simple answer is that fraudsters are increasingly finding a way to steal Direct Express Card Account Information and then quickly drain the funds before the cardholder can do anything about it. Cardholders then turn to Direct Express Customer Service for help, and that is where things get frustrating.

Who is to Blame for Fraudulent Charges on Direct Express?

In today’s digital world where even banks are getting hacked everyday, Direct Express cardholders should not be surprised that their accounts are being targeted by fraudsters. The government event sent out a warning to cardholders about increased incidence of phishing. Cardholders have some responsibility to protect their account information. If you need help in what to do to prevent your card and online access from being compromised, see these useful tips for Protecting Against Card Fraud from the Federal Trade Commission.

Has Money Been Stolen from Your Card?

As you can see from the above video, fraudsters are going out of their way to get your debit card information, even calling you at home. Just know that thieves are getting sophisticated and you should be careful before giving your Direct Express Card information out or clicking any link to “correct” any information on your account.

If you have money been taken stolen from your Social Security Direct Express card, you should call customer service and report the incident immediately. You will probably be asked to complete a fraud packet, which you will have to mail back to customer service. This will help them in investigating your claim and process any refunds back to your card. Note that there is no guarantee that you will be refunded for the money stolen from your card, so be sure to take some time to clearly explain what happened and prove that it was not your fault or something you did that caused the funds from your Direct Express Account to be stolen. There are many reports of cardholders being denied refunds after money was stolen from their account because it was determined that it was their fault.

Posted in Direct Express Fraud, Social Security Fraud, SS Card Stolen Money Tagged with: , ,

Direct Express Card Fraud

If you are frustrated with Direct Express Card Fraud Investigation, you are not alone. This is a problem for many cardholders. We regularly review our blog comments to understand what our readers are talking about, especially to understand common complaints and try and help card holders find solutions to those issues or point them in the right direction. One of the growing complaints we’ve been hearing is regarding cardholders whose debit cards are hacked by fraudsters and then they literally have to go through a lot of hassle with Direct Express to get the fraud investigated and more importantly, the money returned to their card. In some cases, card holder are not reimbursed for the money stolen because they are told it is their fault that the account was compromised. This issue is causing financial hardships for those affected. Here is what we found when we looked into the issue.

Direct Express Card Fraud – Money Stolen From Card

This is how this fraud typically happens: Card holder discovers that money has been illegally spent on their card, either over a long period of time or very quickly. Since it is an unauthorized transaction, the card holder then calls Direct Express Customer Service to complain. That’s when things get interesting. If you call customer service, they will probably tell you to fill out a fraud packet and send back. This is usually mailed to you, so you have to wait about 10 business days to get this packet in the mail, which is unusually long. Some people have reported that their fraud packets never arrive and they have to call customer service again, go through the whole issue again and get another packet mailed. By this time, more than 2 weeks has passed since the incident was first reported. That’s just frustrating and annoying, especially for people whose account has been depleted by fraudsters and they need the money ASAP.

What to Expect from Direct Express Fraud Investigation

From what we have gathered, it takes Direct Express 45-90 days to complete a fraud investigation after you’ve completed the fraud packet. Any attempt to get them to speed up the process is usually unsuccessful as customer service just repeats the timeline to you over and over again. They will even tell you to borrow money to hold you over while they complete the investigation, even though there is no guarantee you will be reimbursed for the money that is taken out.

What Direct Express Says About Their Card

If you watch the promotion video above, one of the selling points of the debit card option instead of a check is the security of the card. If the card is being promoted as secure, why is it so hard to get reimbursed when it is clear that the account has been compromised and funds have been illegally taken? The promotion also says that the MONEY IS INSURED BY THE FDIC. If the money is FDIC Insured, why is it so hard to get reimbursed for fraudulent purchases? Any bank or credit card company will first put the money in the customer’s account, then do an investigation. If they find that there was indeed fraud, then the matter is resolved. If they find that the customer actually used the money and is reporting it as fraud, then they take back the money from the account. We think Direct Express should do the same, rather than putting people through a long investigation process where they are out of money and have to wait 90 days to get their money back.

As you see from the image below, the card is advertised as safer than cash. If it is safer, why it is so hard to get your money back when the money is stolen from the account?

"Direct Express Card Fraud Investigation

Here is what Direct Express says on their website about FDIC Insurance:

“1.3 WILL MY SOCIAL SECURITY AND SUPPLEMENTAL SECURITY INCOME BENEFITS BE SAFE?

Yes, with the Direct Express® card, your money is FDIC-insured up to the maximum legal limit. In addition, the consumer protections required by Regulation E (12 CFR 205) and MasterCard® Zero Liability (exceptions may apply), which protect you against unauthorized use of your card when promptly reported, apply to your debit card account. Finally, if your card is lost or stolen, it will be replaced.”

Have you experienced Direct Express Card Fraud? Did you call Direct Express and report the issue? What was your experience? Tell us in the comments section below.

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About Direct Express Help

Direct Express Help is not affiliated with any government agency. We are a website 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.

10 Social Security Questions Answered