Direct Express Contact Number

If you are one of the hundreds of thousands of Americans who have signed up for the US Direct Express Debit MasterCard to receive your federal benefits (Social Security and Supplemental Security Income, VA Compensation or Pension and RRB Annuity and OPM benefits) – and would like to contact Customer Service, we have the information you need:

"Direct Express Contact Number"

Direct Express Contact

Direct Express Contact Phone Number

To reach customer service and speak to a live person, call the following numbers:

Call  1-800-333-1795 (toll-free) and sign up to receive your payments on the Direct Express Card. This is only for those who do not currently have a card or have not signed up yet to get their payments sent to the card.

If you are a cardholder and have questions about your Direct Express card, you may call Customer Service Department, at 1-888-741-1115 (toll-free). You can also visit the website to see their Frequently Asked Questions (FAQs) section or click here to download a pdf version.

You may call customer service to report a lost or stolen card, get card balance, fee schedule, question unauthorized transactions, get a list of in network ATM brands, password reset, ATM pin number changes and more. They can also help you with issues related to accessing the website and login problems.

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Comerica bank direct express card

Comerica is a financial services company with headquarters in Dallas, Texas. They are strategically aligned into three major business segments: the Business Bank, the Retail Bank, and Wealth Management.

comerica bank direct express

Treasury received competitive applications from over a dozen banks in response to the request for nationwide debit card services and was pleased with the excellent qualifications of the applicants. Comerica Bank was selected, in part, because of its experience as a prepaid debit card issuer for millions of benefit recipients, particularly for state government programs. Comerica Bank and its partner, ACS State and Local Government, Inc., have been serving state and local governments since 2003. Since that time, they have worked together to implement and operate debit card programs in 13 states, representing 25 benefit and payment programs and servicing more than 2.5 million recipients in all U.S. states, territories, Canada, Mexico, and many foreign countries. Of importance to FMS, Comerica Bank offers a competitive cardholder fee schedule that allows benefit recipients to use the debit card at little or no cost. Most services are free to the cardholder. In addition, Comerica Bank offers several ways to allow a cardholder to keep track of his or her transactions and balance, including an option that allows the cardholder to receive free automated text, email or telephone messages about their deposits and balance. Comerica Bank also offers a surcharge-free ATM network of almost 50,000 ATMs throughout the country.

What is the Comerica Bank Direct Express Card?:

The Direct Express Debit MasterCard card issued by Comerica Bank, as the Treasury Department’s financial agent, is a prepaid debit card and electronic payment option for federal benefits. The card is a Treasury-recommended, safe, convenient alternative to paper checks.

The Comerica Bank Direct Express card is the safer and more convenient way to receive your federal benefits. Sign up for a direct express card at

How does the direct express card work?:

The Treasury-recommended Direct Express card is a prepaid debit card payment option for federal benefit recipients who don’t have a bank account or don’t want to sign up for direct deposit. Cardholders can make purchases at stores that accept Debit MasterCard, pay bills, purchase money orders from the U.S. Post Office and get cash from an ATM or financial institution that displays the MasterCard acceptance mark. No bank account or credit check is required to enroll. There are no sign-up fees or monthly account fees.

federal benefits

When you sign up to receive your Social Security, Supplemental Security Income, VA  or other federal benefits via the Direct Express card, your money will be automatically deposited to your Direct Express card account on your payment date.

The Comerica Bank Direct Express card can be used whenever you need money, 24 hours a day, 7 days a week, at ATM machines and to make purchases. Your card may also be used online to pay bills and make internet purchases. If you have questions on how to use your Direct Express card contact Direct Express Customer Service.

Direct Express card services:

There are many free services available with the Direct Express card that make banking more convenient.

Deposit notification service: The free deposit notification service will send you a notice by phone, email, or text message each time a social security or supplemental security income payment is deposited into your debit card account.

Low balance alert: Sign up for the free Low Balance Alert and Comerica Bank will notify you by phone, email, or text message whenever your debit card account balance reaches an amount lower than the amount you choose. The low balance notice, is only designed to notify you when your balance is low, it will not affect the use of your card, or prevent overspending.

Using the Direct Express to pay bills online:

If a website accepts Debit MasterCard, you can use your Direct Express card to pay bills and make Internet purchases. You can also use your Direct Express card to buy money orders at the U.S. Post Office or other locations that accept the card.

If you decide that you do not like your Direct Express debit card your account can be closed any time at no charge. Call the customer service department at 1 (888) 741-1115 to close your account. You can withdraw your cash by visiting a teller at any bank or credit union that displays the MasterCard logo, getting cash back at a retail location, or withdrawing cash at an ATM machine.

Before you close your Direct Express card account be sure to enroll in the direct deposit program for future payments.To enroll in direct deposit, call Treasury’s Go Direct help line toll free at 1 (800) 333-1795, or visit You may also sign up for direct deposit through the Social Security Administration by calling toll free at 1 (800) 772-1213 or enrolling online at You can also sign up through direct deposit at your bank or credit union.

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Direct Express Card Fees Schedule

The Direct Express Debit MasterCard is issued by the United States Treasury Department through it’s Financial Management Service (FMS) division. The card is used to pay Social Security and Supplemental Security Income, VA Compensation or Pension and RRB Annuity and OPM (Federal Retirement) benefits. Even though the card issued by the Federal Government, like any prepaid card, it comes with fees and charges. The good news is that most of everyday services and transactions used with the card come free. However, some transactions do carry fees. We have outlined the free transactions and those that are not free below:

"Direct Express no fee transactions"

"Direct Express Card Fees"

Direct Express Card Fees

As you can see, the top table provides a list of all the services you can use your Direct Express Debit Mastercard for and not be charged any fee. This includes purchases made at merchant locations, reviewing your account information online, checking your card balance at an ATM, customer service calls and getting cash at bank tellers. You also get a free replacement card once a year should you lose your card or if it is stolen.

But as mentioned, there are some services that come with a fee. For example, If you need your card replaced more than once a year, you will be charged for it. In addition, if you transfer money from your card account to a personal checking account, there is a fee for that. Also, if you make purchases outside the United States, there is a fee for that, which is typical of credit and debit card transactions made abroad. To avoid ATM charges, use the ATMs in network, which are shown at the bottom of the second image above.

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Advantages of the Direct Express Debit Card

As of March 2013, all Social Security payments from the U.S. Treasury are done through direct deposit or with the Direct Express Debit Card. The Direct Express card has many advantages:

Direct express

The Direct Express card enables users to get their payments fast. The money is transferred straight from the Treasury to your Direct Express card account. You can be notified when your money is in your account through phone, text, or email. To sign up for these free services visit and log into your card account.

Getting payments to your Direct Express Card is safe and secure. All money that is loaded onto your debit card is insured by the FDIC.

Your Direct Express debit card is convenient and easy to use. Direct Express can be used anywhere Debit Mastercard is accepted. The card is able to be used for online purchases as well as gas, groceries, and any other shopping you might do. You can get cash back while shopping or at the ATM. Paying bills online and purchasing money orders are also among the many advantages of the Direct Express debit card.

There are little to to no fees with the Direct Express Debit Card. Most of the services offered by Direct Express are free however, if you want additional services, there are some available for a small monthly fee. To learn more about additional service visit



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Replace lost or stolen direct express card

 How your Direct Express card is protected.

—     If you use your debit card at an ATM, you will be required to enter your PIN. If you make purchases at stores, restaurants or any other merchant, the use of your PIN is optional. When asked if “debit” or “credit”, select “credit” to make a purchase without using your PIN. You will need to sign a receipt.

Lost or stolen direct express card

To Protect your PIN.

  • —Choose a PIN that you can memorize easily
  • Make sure it is difficult for someone to guess
  • Avoid writing down your PIN
  • Never give out your PIN to anyone.

If your Direct Express card is lost or stolen.

—If your Direct Express Card is lost or stolen, immediately call the Direct Express card Customer Service Department. A customer service representative will assist you and a new card will be sent to you. There are  card fees that may apply. Generally, if you call right away to report that your card is lost or stolen, you will not lose funds deducted from your card by an unauthorized user and your Social Security benefits will be protected. A fee of $4.00 will be charged for a replacement of a lost or stolen direct express card after one free.

Customer Service is available 24 hours a day, 7 days a week and handles calls related to:

  • — Reporting lost or stolen cards
  • — Balance inquiries
  • — PIN changes
  • — Transaction history requests
  • — Registering a complaint about a card issue
  • — Questions about card usage
  •  Questions about international card usage

For any questions, customers can call Direct Express at:

—     Customer Service: 1-888-741-1115

—     Hearing impaired: 1-866-569-0447

—     International: 1-765-778-6290 (Collect)

Write to Direct Express:

Direct Express, Payment Processing Services
P.O. Box 245998
San Antonio, TX 78224-5998

Comerica Bank offers customer service in both English and Spanish through its automated telephone service and through its customer service representatives. Callers may choose to speak with a customer service representative in either language. Comerica Bank also has the ability to communicate with customers in almost any language.

Lost or stolen direct express card

Money protection in the case of a stolen card.

—Your liability for unauthorized transactions is limited if your card is timely reported to Comerica Bank as lost or stolen. Under the federal law known as Regulation E, cardholders who dispute a transaction within 2 business days of learning of the loss or theft cannot be held liable for more than $50. Those who dispute a charge within 60 days cannot be held liable for more than $500. The US Treasury was able to negotiate an additional one month cushion for Direct Express cardholders so that Direct Express cardholders have 90 days to report any unauthorized transactions and not be liable for more than $500.

Mastercard’s Zero Liability Policy.

—Under MasterCard’s policies, Comerica Bank cannot hold you liable in the event of an unauthorized use of your U.S.-issued Debit MasterCard card. This coverage applies to purchases made in a store, over the telephone, or online. Zero Liability protection is provided under the following conditions: a) Your account is in good standing, b) You have exercised reasonable care in safeguarding your card, and c) You have not reported two or more unauthorized events in the past 12 months. Zero liability does not apply if a PIN is used as the cardholder verification method for the unauthorized transaction(s). It only applies to signature based transactions. Visit MasterCard’s website for more details.

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My Direct Express Card Expired

If your direct express card expired and you are wondering what to do next, no need to panic. First, 60 days before the “valid thru” date on the front of your card, you were supposed to have received a new card and since 2015, they are now mailing cards with the new chip in them, making them even more secure. So, if your card has expired and you did not receive a replacement card in the mail, make sure Direct Express has your most recent mailing address. You should call customer service to find out if they mailed you a card and where it was mailed to. Call Customer Service at the number below:

—     Customer Service: 1-888-741-1115

—     Hearing impaired: 1-866-569-0447

—     International: 1-765-778-6290 (Collect)

Customer Service is available 24 hours a day, 7 days a week.

If you are not sure what address they have on file for you, it is a good idea to call customer service and confirm your mailing address so that your replacement card will be mailed to the right place. If they mailed you a card and you did not receive it and your current card has expired, then you have to call them and have them cancel the card that never arrived and issue you a new one.

Remember that they will not issue you a check in the interim since the government stopped issuing checks for social security benefits. You either have to get the deposit on your bank account or the direct express card. For more on this policy, see the video above.

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Direct Express Dispute Resolution Department

Most Direct Express card holders call the dispute resolutions department to contest suspicious or unauthorized charges on their card. We get questions all the time about Direct Express Dispute form or fax number. There is actually no downloadable dispute form on the website to formally report your suspicious activity. There is also no fax number on the website to send in a formal complaint. The only way to dispute a charge on your card is to call Customer Service at the number below:

—     Customer Service: 1-888-741-1115

—     Hearing impaired: 1-866-569-0447

—     International: 1-765-778-6290 (Collect)

Customer Service is available 24 hours a day, 7 days a week.

If you have charges on your card and need to look into where it came from, call the customer service number and file a complaint. Make sure you have your card number and the specific transaction you want them to investigate (date of transaction, amount and the merchant it was made at).

When you call customer service, they are going to ask you questions to confirm your identity to make sure you are who you say you are and that you are the actual card holder, so be ready to provide information including your social security number, date of birth and any other identifiers they may want.

"direct express dispute resolution"

We have received a lot of complaints about how slow and frustrating contacting Direct Express Dispute Department can get. Let us know about your own personal experience calling customer service in our comments section below. Did they resolve your issue? If you are not satisfied, contact the US Treasury Department at to file a complaint.

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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:


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 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


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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 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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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.