Sydney Garth, Credit Cards Moderator
You cannot overdraft your Direct Express account, as it is a prepaid debit card. It does not offer overdraft protection since it was designed specifically for the receipt and spending of Social Security and Supplemental Security Income benefits.
You can only spend the money that is on the card. If you go over, your card will be rejected.
Your Direct Express can be overdrawn . In my case, at the hands of Social Security, I'm paying a charge for a replacement card. There's a choice of getting the card in the mail or in 2 days by paying a fee of about $14 which they can take out of your account right then or once your check hits. If there's not enough to cover it , they charge you...so now the card is overdrawn and is collected whenever benefits are posted. Also, if the card is overdrawn, it's rejected. I have to wait until the 1st of the month to set up autopay for my phone bill.
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Mine got over drawn so that's not true Sydney Garth