Direct Express Customer Service Live Person

If you are having problems with your Direct Express card or account and need help to reach Direct Express customer service, we can help. In this post, we will provide you with the phone number to call and speak to a live person.

However, before you call the Direct Express number, scroll below to see if the question you are calling about is already answered.

Also, as you can imagine, more people are calling the Direct Express Phone Number, especially during the pandemic.

Therefore, the Direct Express phone lines have been flooded with calls.

As a result, hold times have been reported to be very long.

Rather than wait on hold in frustration, you can first seek answers below by reviewing our Direct Express FAQs below.

With the FAQs below, we answer the top reasons people call the Direct Express phone number, with answers to all of them.

"How to Reach Direct Express Customer Service Live Person"

Table of Contents:

  • Direct Express Customer Service Phone Number
  • What You Should Know Before Calling
  • How to Reach a Live Person at Direct Express
  • Apply for Direct Express Card
  • Benefits of Direct Express Card

Prefer Video?

The short video below explains 7 ways to reach Direct Express Customer Support and get your issue resolved.

If you are having trouble reaching Direct Express customer service, it’s worth watching the video.

Direct Express Customer Service Phone Number 

Here is the phone number for Direct Express. For tips on how to reach a live person, scroll down below.

The number you call depends on the first 6 digits of your direct express debit card.

Phone Number for Direct Express Card beginning with 5332 48

If your Direct Express Debit Mastercard begins with 5332 48, you can reach customer service through the phone numbers below:

"Direct Express contact number for 5332 48"

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.

You can also write to customer service at:

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

Phone Number for Direct Express Card beginning with 5115 63

If your Direct Express Debit Mastercard begins with 5115 63, you can reach customer service through the phone numbers below:

"Direct Express contact number for 5115 63"

Customer Service: 1-866-606-3311

Hearing-impaired: 1-800-325-0778

International: 1-661-6006-3311 (Collect)

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

You can also write to customer service at:

Direct Express Payment Processing Services
P.O. Box 540190
Omaha, NE 68154-0190

Next, you will be required to enter your Direct Express Card Number or Social Security Number.

Follow the prompts to be transferred to a customer service representative.

Hold Times May be Long

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 a different company running a payday loan service.

That company 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.

As a result, some callers may be complaining online about Direct Express when they are actually venting about Cash Direct Express.

What You Should Know Before Calling Direct Express

If you scroll down to the comments section of this article, you will find that there are a lot of comments from Direct Express cardholders.

Most of the comments are about their experiences with customer service.

While you will read about frustrations people are having with customer service, you will also find that there are tips, advice, and suggestions about what to expect when you call customer service and how to prepare before you call.

We are not going to ask you to read all the comments to discover these tips and recommendations.

Instead, we have gone through them and identified the top 4 issues people call customer service about and what you should know before you call.

Dispute Fraudulent Transactions

This is the number one reason most cardholders call customer service.

If you have fraudulent transactions on your debit card that you are sure you did not make or authorize, you should call customer service right away.

Please know that the dispute process takes time and your issues are not going to be resolved right away.

As you would expect, Direct Express will investigate your issues thoroughly to determine that there has indeed been a fraudulent transaction on your account.

You will be referred to the dispute resolution department.

Here is what to expect from that department.

Contact the Dispute Resolution Department

If you have transactions on your Direct Express card you did not make and would like to dispute those transactions, you will be dealing with the Dispute Resolution Department.

You will be required to provide a detailed account of the transaction and incident.

This will be done through the fraud packet.

The packet will be mailed to your address on file.

You then have 10 days to complete that packet and return it to Direct Express.

If you fail to return it within 10 days, your case will not be processed any further.

Be aware that the dispute process takes time.

After you report it and complete the fraud packet, it can take anywhere from 45 days to 90 days to get it resolved.

Get a Replacement Card

If your debit card is lost or stolen, you should call customer service right away.

First, this is important because it will allow Direct Express to take immediate action to deactivate your card.

This will prevent any further transactions from posting to your account while you wait for your new card.

Second, it takes about 10 days to get your new card so the sooner you call, the faster you are close to getting your replacement card.

If you cannot wait 10 days and want your card sooner, you can speed up the process by paying for expedited shipping with a tracking number.

Ask Other Questions

If you have other questions about the Direct Express debit MasterCard that are not mentioned above, you can get help with customer service when you speak to a live person.

Direct Express Customer Service Live Person – Instructions

"How to Reach a Live Person at Direct Express"

If you are having a hard time contacting a human at Direct Express, we can help. We have provided a step-by-step process below on how to speak to a live person.

Step 1

Call Direct Express Customer Service toll-free at 1-888-741-1115 or 1-866-606-3311 (Customer service agents are available 24 hours a day, 7 days a week)

Step 2

For English, (press 1), for Spanish (Press 2), for all other languages (press 3)

Step 3

If you have your Direct Express card with you, then enter your 16-digit debit card number.

Step 4

After entering your card number, a Direct Express customer service agent will answer your call shortly.

You may be put on a brief hold if all agents are currently assisting other customers when you call.

If you do not have your Direct Express card with you, then (Press 2) to access your account using your Social Security number.

If you do not have your Direct Express card number or Social Security number, here is what you need to do to talk to a live person:

Wait while the auto-attendant goes through the messages below a few times, then you will be transferred automatically to a customer service representative:

  • We are sorry, we did not receive your selection – Please try again, your 16-digit card number is in front of your card, To re-enter your card number, press 1
  • To access your card account information using your Social Security number, press 2
  • To find out the status of your previously ordered card. Press 3
  • If your card has been lost, stolen, or damaged, press 4

After the system goes through the above message three or four times, you will be transferred automatically to a customer service representative.

Other callers have reported longer hold times.

If you do not have time to wait on hold, you may have to try calling at different times of the day to see if you are able to talk to a representative sooner.

Apply for Direct Express Card

"How to Apply for Direct Express Debit Card"
If you receive one of the following federal benefits, then you are eligible to apply for Direct Express.

Scroll below for detailed instructions on how to apply, including the Direct Express Customer Service number to call.

These are the federal benefits programs eligible for Direct Express:

  • Social Security
  • Supplemental Security Income
  • Veterans Affairs
  • Railroad Retirement Board
  • Office of Personnel Management
  • Department of Labor (Black Lung)

You can sign up for the Direct Express card when you apply for Social Security benefits.

Additionally, you can also request a Direct Express card after you receive your first benefit check.

To do this, contact the Direct Express card enrollment center at 1 (800) 333-1795 (toll-free) to sign up for the card.

Benefits of the Direct Express Card

Here are the benefits of using the Direct Express debit card for receiving government benefits instead of a check:

No check cashing fees.

First, you save money on check cashing when you receive your benefits on the Direct Express card.

Also, you can get money from your card for free or for a small fee.

Receive money faster

Second, with the Direct Express card, you will receive your funds faster, – on the day they are paid, without waiting for a check to arrive in the mail.


Additionally, the Direct Express debit card can be used anywhere a MasterCard debit card is accepted, including for telephone and online payments.

Also, you can get Get cash from any bank, ATM, or merchant that provides cash back.

Direct Express Customer Service Live Person Summary

We hope this post on how to sign up for Direct Express Customer Service Live Person was helpful.

For more about Direct Express Debit Card, click here: Sign Up for Direct Express Debit Card.

Also, to see how you can get Amazon Prime at a discount, click here: 5 Ways to Get Amazon Prime Discount.

Lastly, for help creating a Social Security online account, click here: How to Create a mySocial Security Account.


If you have further questions about Social Security Benefits or Direct Express Card, please let us know in the comments section below.

Be sure to check out our other articles about Direct Express and Social Security, including:



57 thoughts on “Direct Express Customer Service Live Person”

    • You can check it via online at if you have an account, if not make one. This is the best way to check your balance & all transactions.

  1. I have been trying for a whole hour to get online and by telephone and I have not been able to get my balance. What do I do?

    • When you receive your Direct Express card in the mail, call the Direct Express card Customer Service Department toll free at 1 (888) 741-1115 to activate your card. Once your card is activated, 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.

      • I have questions about using my benefits for automatic withdrawal for my apt. Do you have someone I can talk to live?

    • you can not get a routing # or acct.# for the DirectExpress card. It is a prepaid card. I have been trying myself and was toldit is not available. Still trying, if I get some more info wiil post.

  2. I already have the Direct Express Debit MasterCard. It is already linked to my PayPal account, but I want to be able to link my Direct Express bank account to Paypal as well but I can’t do it unless I have the acct. # and routing information for the bank-I think it’s CoAmerica? Could you tell me where to find that information on any of my statements or account. Thank you!

  3. I have been trying for a full week to access account information. Have been needing to reset password. Every attempt has failed. Need to speak to a live person not some nit witted automated nonsense to get this done.

    • This machine-only phone number is driving me crazy. I am no longer at address they just sent a new card to. How do i cancel a card i never got. I need a human, but keep getting just machines. Hate this. They might give me another stroke

  4. Hey guys!

    Thank you very much for the information about how to get directly to a customer service rep as I about had an aneurysm trying to get to talk someone & not have to listen to my account balance 900 times then get hung up on. I was out paying rent, and getting a few supplies for the month when I got a decline but now that I got threw found out their systems were down then & are back up now so I am happy.

    Thanks so much!

  5. i was set up a few yrs ago to check balance on line i dont remeber user name or pass word tryed to redo my acct but i think i cancelledf my card and it keeps saying none of my information matches help!!!! thank you cynthia

    • ok gettin very frusterated !!! ive been tryin to get in to my acct balance on line i had one set up a few yrs ago i dont remeber password or user name but it keeps telling me nothing matches help!!!!!!!!!!!! cynthia

  6. Good afternoon.I am having a problem accessing my account. I called the assistance help line but couldn’t get the help I need. I’m not happy!!!!####????

  7. Keep trying to find out why money is taken off my card and can’t talk to no one on phone. Keep getting automatic system .

  8. It’s almost impossible to get a hold of a real person, that number is just an automated system. I just had my account hacked, and I’ve been trying to contact them, but it just says there busy and hangs up on me when I try to get to a live person. If you don’t have this card yet, DON’T GET IT! Stay with a paper check or use a different account to deposit it.

  9. I have been trying to contact D/E all morning! Most federal agency’s at least let you set-up a callback!!! However,you people don’t seem to care! I had my card stolen this morning am fed-up with your agency’s lack of concern and very poor service! I intend to copy Commercia and S/S about this!
    Thank You for NOTHING! J.E.H.

  10. I have been trying to contact D/E all morning! Most federal agency’s at least let you set-up a callback!!! However,you people don’t seem to care! I had my card stolen this morning and am fed-up with your agency’s lack of concern and very poor service! I intend to copy Commercia and S/S about this!
    Thank You for NOTHING! J.E.H.

  11. trying to reset my paasword….I RESETED IT and getting my new password to an Email adrdress that is no longer working,,,what can i do to get my new password…..Thanks

  12. I had called directexpress numerous times, and asked for a call back to no avail, no one has called me back in reference to my refund. They had charge me for fed-exp, however, it was delivered next door. I did not get the envelope until over an week later, neighbors were out of town. what can I do to talk to someone about my monies

  13. The direct Express app on my phone dissallows screen shots.
    The history only goes back 2 months on the site and app.
    Will they send a printout of all my payment in and out for the last 6 months?

  14. I need my direct express routing and account number now for my card can you give it to me please

  15. Why is it when I look up direct Express card their are places saying that they do loans for my card it’s not true of course because you can get a loan with this card because there is no account or routing number for it I really would appreciate something being done because I really needed help with money this week and I’ve been online all day trying to get a loan that you can’t get with this card

  16. Ive been on the the phone on hold with you guys for a while now and im still on hold as im typing this and i need to report my card stolen. So can someone help me on the phone anytime on please.

  17. I was just on the phone with you guys and you guys said you were gonna transfer me to someone on level two but just hung up on me. So once again i’m back on the phone on hold trynna get some help. So can anyone help me please ?

  18. Someone help I went to pull my money out atm and if kept my money i try calling and bring on hold for hour hangs up i need my money please

  19. There’s a fraudulent charge on my direct express card. I’ve been trying to contact customer support for 3 hours only to get a recording “there’s a high number of calls, please try again later”. Is there another number I can use so I can get this matter straightened out? They’ve zeroed out my account

  20. I need to actually talk to someone to get a tracking number so i can find my card can some one please call me 956-440-1574

  21. I am using my DirectExpress card to pay my bills, some company’s accept payment through my card. However, not all of them do, my car insurance for one requires a routing number through my bank otherwise I have to pay for three months and either go to my insurance carrier and make a payment with cash or call and they will accept a payment over the phone. I would prefer to make monthly payments. So, my question is, is there a routing number affiliated with my card. In the upper right hand corner shows Comerica Bank, banks have a routing number and account number for each individual.

    Calling the 1-888-741-1115 number on the back of the DirectExpress card offers no real help as it is fully automated, no live person to speak with. And as I cannot locate my original paperwork with an actual number to speak with a live person this is my only option. Please advise.

  22. i need 6 months of bank statements to get quafied to get into senior housing. please me with anumber that i can steak to someone .or you can send statements to my email thank you louis pereira

  23. *on 1-18-2018 Reversal Debit$283.00 on 1-31-2018 Reversal Credit of $238.00
    Then on 2-7-2018 a reversal debit of $238.00 thus throwing my account in negative balance. I should have $35.60 to pay for my medication but after $238.00 I am -247.40
    I have tried talking to direct express and filed complaint RE;1-445-0214532(FAXED 1-22-2018) and on 1-31-2018 the #283.00 was added back to my account. Thought things were settled. On 2-7-2018 got an alert on phone that a reversal debit had been done. Called at that time to Direct Express and had to talk to 4 people each time I had to repeat everything to each person. Last person I talked to said the 1-31-2018 said it was put back in my account as a curtosy. I am not crazy you don’t do that unless the problem was solved.I took all my paperwork to a financial advisor today and was told it had to be Direct Express due to the mark made in colum where merchandise/atm location/confirmation number. The same code was put on my direct express card when they sent me another debit card ending in 1274and I was charged 13.50. Please get your act together and put $283.00 back on my account. Not a threat but I can take this to an attorney if not resolved for good by 2-20. I also need a reply of what and where the problem lies.

  24. People: THINK. How can some of you not use your brains and ask such dumb questions?

    1. For your account balance, log on to your account or OR call the main number (888-741-1115) LIKE IT SAYS TO DO ABOVE and on the back of your card. Sheesh. Then, just go through the option of English or Spanish, enter your card number and PIN and WAIT for your balance information. After, it will also give you other options.

    2. For options like disputing a charge, getting a replacement card, etc., the action is still the same: Call the main number (888-741-1115). LISTEN to the options.

    2. The DirectExpress card is not like a checking account. You will not be able to get access to a routing or account number which you can use to tie it to accounts like PayPal. You will only ever have a card number for it. You can however, on your online directexpress account, transfer funds TO another (checking, savings, etc.) account by choosing the Other Services option on the right and entering the routing and account number TO where funds should be transferred. Each transfer is $1.50 and can take UP TO 5 business days, but is generally done in 2-3 days.

  25. I dont knw where my card is and its been used how do i get a new card and what about my benifits

  26. answer you phone.. horrible service. My account is frozen because i was in Ireland. Could not get through for days to let someone know i was traveling. Need my account back.

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