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.
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 USDirectExpress.com.
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.
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 www.godirect.org. 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 www.socialsecurity.gov. You can also sign up through direct deposit at your bank or credit union.