How to use Direct Express at ATMs

In today’s post, were going to help you navigate how to use your Direct Express at ATMs to withdraw cash from your Direct Express account. This includes which ATMs you can use your Direct Express card at, surcharge free Direct Express ATMs, and what to do if you don’t live near a Direct Express ATM. We will also answer the following questions about using your Direct Express at ATMs–

  • How do I use my Direct Express at ATMs to get cash?
  • How do I get cash if I don’t live next to a Direct Express card surcharge-free network ATM?
  • How much will I be charged if I go to an out of network ATM?
  • What is the maximum amount I can withdraw from a Direct Express ATM?
  • How do I know if I will be charge a Direct Express surcharge fee?

If you’ve had trouble with any of these, then keep reading our post to find out the answer to all your questions about using Direct Express at ATMs.

How to use Direct Express at ATMs

Using your Direct Express at an ATM is very similar to using a traditional bank debit card at an ATM. The process is easy to do if you use the instructions we listed below.

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:

atm

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 www.USDirectExpress.com 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 charged 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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