Direct Express® Prepaid Debit Mastercard®
Prepaid Card
Offered by:
Comerica Bank
Info about the Direct Express® Prepaid Debit Mastercard® has been collected by WalletHub to help consumers better compare cards.
The financial institution did not provide the details.
Direct Express® Prepaid Debit Mastercard® 's Key Fees
| ACTIVATION FEE |
None |
|---|---|
| MONTHLY FEE |
None |
| SIGNATURE TRANSACTION FEE |
Free |
| PIN TRANSACTION FEE |
Free |
| IN-NETWORK ATM TRANSACTION FEE |
$0 |
| ATM NETWORK SIZE |
75000 ATMs |
| OUT-OF-NETWORK ATM TRANSACTION FEE |
$0.85 |
| FOREIGN ATM TRANSACTION FEE |
3% (and $3) |
| ACTIVATION FEE |
|---|
| None |
| MONTHLY FEE |
| None |
| SIGNATURE TRANSACTION FEE |
| Free |
| PIN TRANSACTION FEE |
| Free |
| IN-NETWORK ATM TRANSACTION FEE |
| $0 |
| ATM NETWORK SIZE |
| 75000 ATMs |
| OUT-OF-NETWORK ATM TRANSACTION FEE |
| $0.85 |
| FOREIGN ATM TRANSACTION FEE |
| 3% (and $3) |
Direct Express® Prepaid Debit Mastercard® 's Highlights
| No monthly fees, no hidden fees and most services are FREE! |
| When you sign up to receive your federal benefits on the Direct Express® card, you will receive your payment every month without having to worry about cashing your check or having it lost or stolen. Instead of receiving a check, your money will be automatically deposited to your Direct Express® card account on payment day |
| Use your card to withdraw cash from Automated Teller Machines (ATMs), make purchases at stores that accept Debit MasterCard®, and get cash back when you make those purchases |
| One FREE ATM cash withdrawal in the United States for every federal benefit deposited to your Direct Express® card account |
| The Direct Express® card surcharge-free ATM network offers surcharge free ATM access at approximately 75,000 ATMs throughout the country including Comerica Bank, Charter One, Privileged Status, Alliance One, PNC Bank, MasterCard® ATM Alliance, and MoneyPass |
Direct Express® Prepaid Debit Mastercard® 's Additional Info
| LIVE CUSTOMER SUPPORT |
|---|
| Free |
| AUTOMATED CUSTOMER SUPPORT |
| Free |
| RELOAD OPTIONS |
| Direct Deposit |
| CANCELLATION FEE |
|---|
| Free |
| INACTIVITY FEE |
| None |
at Comerica Bank's secure site
Customer Questions and Answers
Don't see what you're looking for? Submit your question about Direct Express® Prepaid Debit Mastercard® to our community.
How can I add money to my Direct Express card? Reply 7
Sydney Garth
@sydneygarth
You cannot personally add money to your Direct Express account, as this card was designed specifically for the delivery of federal benefits.
With the exception of credits from merchants where you use the card, only federal government agencies can add funds to a Direct Express account.
7
Upvotes
How long does it take to receive a replacement card? Reply 73
WalletHub
@WalletHub
It will take 3-7 business days to receive your replacement card. You can also request overnight delivery for a fee of $13.50. Keep in mind that you get one free replacement card per year, and subsequent replacements will cost $4 each. Best of luck!
7
Upvotes
How do I get money off my Direct Express card when it can't be swiped? Reply 72
WalletHub
@WalletHub
One option is to replace your card, as you’re entitled to one free replacement per year. You can also make a free withdrawal at a MasterCard member bank location. Hope this helps. Best of luck!
7
Upvotes
Can someone send money to my Direct Express card? Reply 5
Sydney Garth
@sydneygarth
People can't send money to your Direct Express card. The card will only accept funds paid to you by the federal government.
5
Upvotes
What fee are you charged if you use Direct Express at Walmart? Reply 53
WalletHub
@WalletHub
There are no fees for using this card to make purchases at Walmart, but you will be charged a $0.85 withdrawal fee as well as any applicable ATM owner surcharges if you get cash from an ATM at a Walmart location. Hope that helps!
5
Upvotes
How can I get my Direct Express account and routing number? Reply 4
Kendall Morris
@kendallmorris
Direct Express doesn't make account and routing numbers publicly available for their cards.
You will be assigned an account number and Comerica Bank (the card’s issuer) does have a routing number, but you won’t need it.
You just need to sign up and activate your card. Comerica Bank will then notify the Social Security Administration that you have a Direct Express account and your benefits will automatically be loaded to the account moving forward.
4
Upvotes
Do I need a bank account to get the Direct Express card? Reply 4
Sydney Garth
@sydneygarth
No, you don’t need a bank account to get the Direct Express card.
The Direct Express card can be used only to receive federal benefits. After signing up for the card, you will receive your benefits directly on it. You can sign up by calling 800-333-1795 or by visiting your local federal paying agency.
4
Upvotes
How do I change the address for my current Direct Express Card? Reply 43
WalletHub
@WalletHub
You will need to contact Comerica Bank’s customer service at 888-741-1115 to do so, as its online tools don’t seem to be working at the moment. Best of luck!
4
Upvotes
How to find your account and routing number? Reply 43
Margie Cole
@margie.cole.521
You can find routing numbers by state in the table on this page: http://www.comerica.com/personal-finance/resources/pages/routing-numbers.aspx
4
Upvotes
Why can't I activate my Direct Express card? Reply 3
Kendall Morris
@kendallmorris
You should be able to activate your Direct Express card if you enter the correct card number, date of birth and last four digits of your Social Security Number. If you're having trouble call customer service at 1-866-606-3311.
3
Upvotes
Direct Express® Prepaid Debit Mastercard® Reviews
Share your insights and review the Direct Express® Prepaid Debit Mastercard® .
Jan 20, 2016
Direct Express customer service is horrible. There was a fraudulent transaction on my card January 1, 2016, my card was frozen on January 2, 2016, I spoke with the Direct Express Fraud department on January 3, 2016 to confirm I did NOT make the transaction. AFTER that phone call Direct Express released the funds to the fraudulent "person". Now Direct Express is telling me I will get my money back after their 45-90 day investigation IF my dispute is approved.… show more
2 Comments
Jan 11, 2016
I've been receiving Social Security benefits on the Direct Express card for several years. All was fine till I tried to use my card the other day and it was declined. I called Direct Express 14 times (kept being put on hold, then disconnected) before finally speaking to a supervisor who could explain why my card was not working. Someone in another state had made purchases, in person, for almost $1,200, even though my card has never been out of my possession. I've filed a dispute and am waiting for forms to fill out, even though I answered dozens of questions while on the phone with them. I've been told the process can take up to 90 days, not sure how I'm going to pay bills in the meantime. It is completely unacceptable for this company to continue to be allowed to handle benefits for Social Security recipients, especially as it is the only alternative to direct deposit and some people do not qualify for a checking account because of their credit. If you must have your funds placed on this card, it would be wise to withdraw them completely as soon as they are available each month.… show more
02/10/16
i got shitty credit i went to chase bank and opened a checking and savings account totally free but yes pull all your money out as soon as possible if you need a debit card buy one for om walmart for 5.00 activation fee put just enough on the card to pay what ever on the internet etc this way if someone steals the card or clones it because of no chip installed on a secure card your not wiped out of your money… show more
Sep 24, 2015
The Direct Express MasterCard Prepaid Card seems like it would be a good option for people who are receiving government benefits. I wish I could find something similar for myself. It would be a handy alternative to PayPal or Amazon Payments.The prepaid VISA cards I have used charge a $5 activation fee. I like that this card is basically free.
11/18/15
i have found a card through american express called 'serve" it has way better fees than a traditional prepaid card. and it was free to get. i have also used it and when there is money on there it only charges a monthly fee of $1.00. online account access and have never had a problem with it.
Sep 04, 2015
I would not use this card for VA disability payments. I lost my card and they claim for $13.60 they would send another UPS and I should receive it in two days. They were supposed to email the tracking number which they never did. Trying to call customer service is a nightmare. Anytime you call, early in the morning, afternoon, late at night, they , message is always they are experiencing a heavy call volume and immediately hang up. They do not have a customer service option when you cal the number. I am without money right now and don't know when I will get my card. I plan on contacting the VA to let them know about the poor services. Once this is straightened out, I will be opening a bank account for my money to be deposited. Warning to anyone on SSI or VA benefits, DO NOT USE THE DIRECT EXPRESS CARD. Google the complaints about this card. I wish I had read it before agreeing to having my money put on this card. I feel so dumb for allowing this because something told me to decline and let a local bank handle my funds. Other veterans told me I should have never opted for the card. Most have their money deposited to their bank accounts and get their money a couple of days earlier than card holders. Go to the Direct Express site and read even more complaints about missing money, replacement cards taking weeks, or a month to be received.… show more
02/10/16
file complaints to the atty generals office in your state and your politician its election time someone will act
01/07/16
They just did the same thing to me. My card was expiring DEC. 31,2016. I called them weeks ahead of time for a new one but it never came. When I called them back in January and told them it never came,they told me it was returned to sender.... That's a lie. No one lives with me and my mailbox is locked... Either they sent it to the wrong address or they never sent it. So they mail the card and I get it they charge me $13 and some change. I shouldn't have to pay for their mistake. This is not fair and I don't think I am gone to continue to use them for my deposits anymore… show more
Aug 25, 2015
Does my Direct Express Social Security Debit card need the new Gold Chip on it? And because I live full time in another country out side of USA how do I get the Gold Chip to put on it?
02/10/16
yes for a secured card they can't be cloned not a good idea to use a un secured debit card out of the country if you do pull all your money out if your card gets cloned they will clean out your account direct express dont put money back in pending your claim
Jul 30, 2015
card was fine till over 1000 dollars was fraudulently charged against it in the UK. I have had 5 conversations with service reps so far and still dont have a claims form they send you to fill out. Of course they tell you you have 10 days from when form was mailed to get it back to them. At this rate Im sure Ill be denied for being late although it was no fault oif my own. Soon as I get this straightened out or find out if they are just ripping me off this card will go through the shredder. Im sorry I ever heard of this company and cant believe the VA would do business with them… show more
Jun 12, 2015
Overall, the Direct Express Mastercard Prepaid Card (say that 10 times fast) is a good card for a prepaid card. You don't have "credit" or a "credit limit" but you can put money down and that gives you a way to make purchases with a card if you don't want to use cash.
ATM access is pretty convenient as well, some people seem to have issues finding a no-fee one but I had no issues finding them in my area for withdrawals. And even then the fee is very small.
Besides that, no monthly fees or maintenance or anything like that which is a big bonus to me.
Contrast this with a Visa Prepaid card and you have a card that's not really exceptional but does what it needs to do.… show more
ATM access is pretty convenient as well, some people seem to have issues finding a no-fee one but I had no issues finding them in my area for withdrawals. And even then the fee is very small.
Besides that, no monthly fees or maintenance or anything like that which is a big bonus to me.
Contrast this with a Visa Prepaid card and you have a card that's not really exceptional but does what it needs to do.… show more
Jun 08, 2015
All in all, it's not a bad card and I've never had any problems having it accepted. So, basically, it does what it needs to do. My biggest problem with it comes when I need to withdraw from an ATM. Sadly, it's very hard to find an ATM that doesn't charge me fees and the ones that don't are so far out of my way, I pay more for gas than the fees. It's not a lot, but they can add up overtime and when your income is limited, it's a pain.… show more
May 12, 2015
The Direct Express MasterCard Prepaid Card sounds like a pretty good card. The only downside I can see is the fairly small fee which the card issuer assesses for ATM transactions. However, since there are no other fees, this is definitely a card worth looking into.
I have used the WalMart Money Card and think the Direct Express MasterCard Prepaid Card is a better value because, unlike the Walmart Money Card, there is no monthly fee or card loading fee.… show more
I have used the WalMart Money Card and think the Direct Express MasterCard Prepaid Card is a better value because, unlike the Walmart Money Card, there is no monthly fee or card loading fee.… show more
04/18/16
I've used this card for a couple years now. Only problem I had was my card began to be often declined. Then I attempted to use it one day And the account was frozen. I'm in Louisiana but someone in California attempted to withdraw $800 at a nail shop lol thank God Direct Express caught and denied it. Inconvenienced me for 3 weeks awaiting on a new card. My social security and VA payments go to Direct Express. Not a bad deal
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Apr 29, 2015
I started using this card this month. IT is great never any problems when I called cs for a question, so some of these complaints I don't understand
Apr 23, 2015
The Direct Express MasterCard Prepaid Card is very much like other prepaid cards. You put money onto it or have money transferred to it and then you can use that when you use the card. The upshot is that it's a great way to build credit, you don't have to worry about payments, fees, or any interest, and it is a safer alternative to cash.
The downside though is since you can only really use your money, it's not necessarily as useful as an emergency backup. But it's still a great option to have in your back pocket if you can't or don't want a standard credit card.
But, if you can, you might be better off with a normal credit card. That way you can build your credit even more, have a credit line for emergencies, and maybe get rewards points like with the Capital One Rewards card.… show more
The downside though is since you can only really use your money, it's not necessarily as useful as an emergency backup. But it's still a great option to have in your back pocket if you can't or don't want a standard credit card.
But, if you can, you might be better off with a normal credit card. That way you can build your credit even more, have a credit line for emergencies, and maybe get rewards points like with the Capital One Rewards card.… show more
Apr 07, 2015
The Direct Express Prepaid MasterCard is really useful if you receive Social Security or SSI. There is no activation fee, monthly fee, or signature transaction fee. You can use the card at ATMs for a small fee of $0.85. A similar card is AccountNow Prepaid MasterCard. The Direct Express is better because the AccountNow charges a $4.95 activation fee, $1 transaction fee, and the annual cost is $144. The ATM fee is $2.50. However, the customer service for the Direct Express card is terrible. If you have any problems, they will not help at all. So be careful because if you run into any issues, they will not resolve them.… show more
Mar 23, 2015
I think that Direct Express Prepaid MasterCard is good for those receiving government funds. It works in most places since it is a Debit Mastercard. It makes paying bills online easy and you can use it at the post office to purchase money orders that is conveniet. It does not have any fees and the ATM fee is only $0.85 which is less than a lot of other cards. This website is also convenient and makes it easy to link a bank account to the card. I would recommend this card to anyone looking for a credit card for their benefits check.… show more
Mar 19, 2015
Don't waste your time with it! These people direct express have working for them are very rude and don't want to help you except get you off the line. I actually have been hung up on three times for trying to find out about my account . Their courtesy was terrible and their professionalism was extremely unorthodox. I don't give stars or good compliments or recommend anyone to direct express.
07/30/15
what he ius saying is 100% true given the experiences I have had with them. They act like they are on a timer to see how fast they can get rid of you and usually extremely rude
Mar 06, 2015
It seems like this is a decent value prepaid card: no fees, free customer support, etc. However, the fact that there is an ATM fee kind of bothers me. I have little doubt that there is some incentive for MasterCard to have people tying their Social Security of Supplemental Security Income benefits to a card, I just don't know what it could be. Something isn't right here.
I understand that there is a certain amount of convenience involved in not having to cash a check, but nowadays a lot of banks allow you to deposit checks with a smartphone. Obviously, not everyone has access to a smartphone, but cards like this will be obsolete very soon.… show more
I understand that there is a certain amount of convenience involved in not having to cash a check, but nowadays a lot of banks allow you to deposit checks with a smartphone. Obviously, not everyone has access to a smartphone, but cards like this will be obsolete very soon.… show more
03/27/15
I have been using one of these cards since Dec. of 2013. I've never had a problem of any kind. I have read a lot of reviews by people with complaints about their customer service representatives though. I can't speak to that directly though because I've never needed them.
03/07/15
its to save the government the cost of righting and mailing those checks. so you have a choice this card or a bank account.
Mar 04, 2015
I'm one of those that screwed up my checking account and have no other means of receiving my benefits except through this card. So far I have had no problems. I wish you could deposit money onto the card but you can't. I use the cash advance feature to avoid fees. I just hit a bank, go in and get cash from a teller. I wish they had a free app for this, but they don't. So I just look up my info on the website. Now if only some places I do business with would stop charging convenience fees, that would be nice.… show more
Feb 18, 2015
I like the features of this Direct Express MasterCard Prepaid. I think it would be ideal to allow people to not worry about checks floating around in the snail mail system. The lack of fees is definitely also a vote in favor of using this card. I mean it only has $0.90 fee for ATM withdrawals. That's better than most other credit cards which charge like $3-5. Kind of a perfect balance of use it when you need and don't worry it about in between.… show more
Jan 19, 2015
The only reason for one star was to right this review . Haven't been able to get fraudulent charges reversed on two occasions and I have spent the last two hours trying without luck to find routing/account numbers. What a crock, just another way for uncle Sam to give to us, no lube included.
03/07/15
I have not had that issue in my 6+ years. Iv gotten funds back and new cards but this issue i have is the worst. It was fixed but i ended up paying for new card because they put a hold on the credit part of the card. that was bs and there issue not mine. but i have new card comming and will be here. problem fixed
Dec 30, 2014
Hey, this Direct Express Mastercard Prepaid card doesn't sound too shabby. Only .09 cents for an ATM transfer. I've had cards like this before that charges more than that. After having read the other comments I'd be hesitant to sign up. Somethings that are too good to be true really are.
Dec 10, 2014
This card is not one that should be used. This company is a fraud. If there is any issues with your account you will not get it resolved. If you lose your money and did not authorize it they do not care and you will not receive any help from them. I personally am doing what I can to let people kknow the truth. If you have any other option, use it. There are other prepaid options if that is what is necessary.… show more
03/07/15
iv gotten funds back and they issued a new card for fraud recently. I have had this card for over six years and no issues till yesterday. i do plan on getting it resolved though my issue is i cant use the card where its swiped as credit for some reason. but as for your issue i have been able to take care of them with this card with a simple phone call.
Dec 07, 2014
They may sound convenient but I warn anyone considering using Comerica US Direct Express, you will absolutely regret it! If you are lucky enough to never have an issue or reason to contact them, then perhaps you might be led to believe they are fine, but the moment you need to contact them you will begin by realizing there is one phone # and a useless address by which to contact them. The number will put you in queue for an average 20-30min wait time if they answer at all, and then be prepared to deal with the rudest and most unhelpful creatures. Most importantly though, don't do as I did and mention they are rude for this leads to being hung up on and in my case the rep flat out lied and reported that I didn't properly identify myself therefore warranting a suspension of all funds. It has been nearly 48hrs since I went through the process I was told I had to take to remedy this, meanwhile bills can't get paid, I've incurred late fees as a result, I'm unable to refill my prescription for life providing medication and upon calling back and asking for any update or information, was told I just had to wait and that they could not even confirm if it was in process. When I mentioned the impact it was having on me, this rep said "she didn't appreciate my making her feel guilty" and hung up as well. You might think this is an isolated incident as I first did, then with a bit of searching the internet, found thousands upon thousands of other Veterans, Seniors and Disabled Americans all whom have been victimized by this outrageous scam of an entity and who have no right to be entrusted with handling the benefits of American Citizens most in need. They are a disgrace to this nation and a violation to basic human decency. Feel free to sign up with them any way and may God protect you!… show more
01/11/16
My experience with them over the past week has been horrible. Scott Carey is not exaggerating at all. My funds were stolen and it's been a nightmare trying to get them replaced.
03/07/15
i have had no issues with contacting them and had issues taken care of the only issue now after 6 + years is its declining credit swipes at the moment i have faith that will be taken care of as well. i wonder about these issues you have as did you really identify your self properly??????
Dec 04, 2014
Be aware, this is not a traditional bank card. It is not tied to your bank account; rather it is a re-loadable card, much like a gift card that is controlled by an external bank. If you have no other option on the matter (I’m not one to judge) then the Direct Express MasterCard Prepaid Card is an option for you to consider. With all financial actions, it is in your best interest to thoroughly investigate your options.
That all being said, the terms of this card as posted above are correct. Be aware of the ATM withdrawal fee following your one free monthly withdrawal is 90 cents per transaction. With some foresight you can avoid this fee by being aware of your cash needs for the month, but the main use of this card is for being used similar to a debit card. That means you load the card and deplete through your typical debit charges.
Bottom line, always thoroughly investigate your financial options. There is no card that can fix poor planning.… show more
That all being said, the terms of this card as posted above are correct. Be aware of the ATM withdrawal fee following your one free monthly withdrawal is 90 cents per transaction. With some foresight you can avoid this fee by being aware of your cash needs for the month, but the main use of this card is for being used similar to a debit card. That means you load the card and deplete through your typical debit charges.
Bottom line, always thoroughly investigate your financial options. There is no card that can fix poor planning.… show more
Nov 21, 2014
The Direct Express MasterCard Prepaid Card is a pretty standard prepaid credit card.
No monthly fees or interest of any kind but you only have the money you put on it yourself.
Be careful not to lose your card though, without that you can't access any of the money you put on the card until you receive a replacement, it's not like a normal bank account.
Good way to build credit, good terms, go for it.
No monthly fees or interest of any kind but you only have the money you put on it yourself.
Be careful not to lose your card though, without that you can't access any of the money you put on the card until you receive a replacement, it's not like a normal bank account.
Good way to build credit, good terms, go for it.
Oct 21, 2014
Like a lot of things it works well, until it does not. Had an issues with some online fraud on 10/14/2014.
I reported it a couple hours after it happened and was told it should be refunded in 5 days.
7 days later I called back was on hold for long time talked to CS then was transferred, on hold a very long time, almost 30 minutes. I was helped by Anthony who was not just unemphatic but rushed and rude. He canceled my card before consulting me, leaving me in bind. With no cash on me I could not wait for USPS and was forced to pay for express shipping. After being online for nearly an hour Anthony told me he could not wait for 2 minutes while I did some research. OH! and DAMN is profanity according to him and he will terminate the call if it happens again. Anywho... I still did not get money back and will have to wait maybe 90 days for an answer.… show more
I reported it a couple hours after it happened and was told it should be refunded in 5 days.
7 days later I called back was on hold for long time talked to CS then was transferred, on hold a very long time, almost 30 minutes. I was helped by Anthony who was not just unemphatic but rushed and rude. He canceled my card before consulting me, leaving me in bind. With no cash on me I could not wait for USPS and was forced to pay for express shipping. After being online for nearly an hour Anthony told me he could not wait for 2 minutes while I did some research. OH! and DAMN is profanity according to him and he will terminate the call if it happens again. Anywho... I still did not get money back and will have to wait maybe 90 days for an answer.… show more
Oct 06, 2014
This is the weirdest setup one can imagine. Uncle Sam has made a sweet deal with Comerica Bank who offers this card. First of all, this isn't a conventional Bank Account where you can walk into a bank and make a withdrawal. This is a Card Account which is your one and only access to your funds. You are not even provided with an account number & routing number although both are available at a local Social Security office upon request. The routing number by the way is 041000124. You may find it hard to believe, but monthly statements are NOT available on their website. Like I said, it's really weird.
If Comerica Bank closes your card for no reason, you have no recourse but to sit tight and wait until a new one arrives in mail. You are allowed only ONE free card replacement and will be charged a fee for the subsequent replacements. Multiply the $$ fee by a vast number of users = a nice boost to the bank's revenue.
According to the text I had to listen to while being on hold calling a local SSA office, there are 50 million SSA recipients. Even if you assume that may be 50% of them are smarter than using this card, this still leaves us with roughly 25 million. Now, multiply 25 million by $4 = $100 million bucks of incoming dough to the bank, for virtually doing nothing.
Their rather vague explanation for closing your card is "compromised". Yea right. This can be done at the time you need it most, such as the end of the month, when your rent is about due. You are likely facing an eviction for the non-payment of rent while you're sitting tight and waiting for the new card to arrive within hopefully ten days or so.
The US Direct Express website doesn't have a way for you to change or even look up your personal info. The Cardholder button will bring you to a place where you can change your password and security question and nothing else. So if they have an incorrect or an old address, you're on your own.
I've found out that my card was closed while doing grocery shopping. Everyone standing in line must've been thinking that I don't pay my bills when the cashier announced 'Denied'. Very embarrassing. There was nothing wrong with my card; it had enough of a balance to cover my grocery purchase. Now I am forced to use my credit cards and rack up some bills. You know how much interest the credit cards charge, right?
FYI: if they close your card, immediately start complaining to the Texas BBB, and nowhere else. This produces almost instant results, the bank starts calling YOU, and even asks if they're calling at a wrong time, imagine that!! Of course, they'd tell you that they call each and every SSA recipient prior to the card closing. They must have lost my number then. Oh and they will EXPEDITE my new card to my new address within 2 days for free (while charging everyone else for it; I believe $13.50). Amazing what opening your mouth will do. Open yours!!
BOTTOM LINE: Pack your bags, cancel the darn card and open an account at the PNC bank. You can have a debit card in this place just the same. This one offers a traditional bank account where you'd have access to your money either with a debit card or without. They offer a standard checking without a minimum balance requirements if you are over 62. Good luck!!… show more
If Comerica Bank closes your card for no reason, you have no recourse but to sit tight and wait until a new one arrives in mail. You are allowed only ONE free card replacement and will be charged a fee for the subsequent replacements. Multiply the $$ fee by a vast number of users = a nice boost to the bank's revenue.
According to the text I had to listen to while being on hold calling a local SSA office, there are 50 million SSA recipients. Even if you assume that may be 50% of them are smarter than using this card, this still leaves us with roughly 25 million. Now, multiply 25 million by $4 = $100 million bucks of incoming dough to the bank, for virtually doing nothing.
Their rather vague explanation for closing your card is "compromised". Yea right. This can be done at the time you need it most, such as the end of the month, when your rent is about due. You are likely facing an eviction for the non-payment of rent while you're sitting tight and waiting for the new card to arrive within hopefully ten days or so.
The US Direct Express website doesn't have a way for you to change or even look up your personal info. The Cardholder button will bring you to a place where you can change your password and security question and nothing else. So if they have an incorrect or an old address, you're on your own.
I've found out that my card was closed while doing grocery shopping. Everyone standing in line must've been thinking that I don't pay my bills when the cashier announced 'Denied'. Very embarrassing. There was nothing wrong with my card; it had enough of a balance to cover my grocery purchase. Now I am forced to use my credit cards and rack up some bills. You know how much interest the credit cards charge, right?
FYI: if they close your card, immediately start complaining to the Texas BBB, and nowhere else. This produces almost instant results, the bank starts calling YOU, and even asks if they're calling at a wrong time, imagine that!! Of course, they'd tell you that they call each and every SSA recipient prior to the card closing. They must have lost my number then. Oh and they will EXPEDITE my new card to my new address within 2 days for free (while charging everyone else for it; I believe $13.50). Amazing what opening your mouth will do. Open yours!!
BOTTOM LINE: Pack your bags, cancel the darn card and open an account at the PNC bank. You can have a debit card in this place just the same. This one offers a traditional bank account where you'd have access to your money either with a debit card or without. They offer a standard checking without a minimum balance requirements if you are over 62. Good luck!!… show more
Oct 03, 2014
What I don't like: I'm trying to get through to Direct Express about an Fraud Issue posted on my account and you cannot get through, I've been trying for almost 6 hours and I keep getting the same message, heavy call volume call back at later time. I need to know what's going on with my account. What I like: convenience.
Oct 01, 2014
The Direct Express MasterCard Prepaid Card is a great card for seniors or for people on SSI. There are no additional fees unless you use it for ATM withdrawals, and it makes access to your funds very easy. In addition, you get cash back when you use it for purchases! It's very similar to my Citi Preferred Rewards card. This card is pretty much a no-brainer!
12/12/14
I'm so glad I came across that page, it gave me alot of info that I didn't know ! I'm actually pretty pissed off!! Someone took all my disability benefits last summer, I got my money back it took long time, a month and I had already gotten my my money for the next month, by the time I paid all that I borrowed. I was so broke!! And now get this! It just happened to me again because I used citi banks atm like last time, and I went through the whole process again!! This time they sent me a letter saying they had no reason to believe it was fraud and the person that did it said I agreed I never agreed it was something about hud housing I never have been on hud nor did I agree! ! Well now I've had it!! I'm getting a bank account for direct deposit!… show more
10/06/14
There is a fee if your card is closed more than once and a replacement is sent. One replacement is free but not the subsequent ones. If you want your new card overnighted, this is an extra I believe $13.50. The card replacement after the first one is $4.00. The total is $17.50 while you're sitting tight and waiting for your new card to arrive. Besides if you rely on this card to pay your rent and then boom, you can't as it's closed, good luck explaining this to your landlord. Comerica Bank can close your card merely because they could.
Your one and only access to your funds is said card. If said card is closed, no access. Your Citibank card is a part of your Bank Account while US Direct Express is only a Card Account. There is a huge difference between the two.
What did you get cash back for? I've had it for several years, never received any cash back. Are you sure you are not confusing this card with something else?
STAY AWAY from using this card. Google free checking accounts at the traditional banks where you can do the same but without the additional headache… show more
Your one and only access to your funds is said card. If said card is closed, no access. Your Citibank card is a part of your Bank Account while US Direct Express is only a Card Account. There is a huge difference between the two.
What did you get cash back for? I've had it for several years, never received any cash back. Are you sure you are not confusing this card with something else?
STAY AWAY from using this card. Google free checking accounts at the traditional banks where you can do the same but without the additional headache… show more
Sep 11, 2014
The Direct Express MasterCard prepaid card is a wonderful option! The fact that there is no activation fee or Monthly fee is a huge bonus. Also, the available customer service is a massive pro to this card. My only question, is this card strictly meant for those who receive Social Security or Supplemental Security?
10/06/14
In my humble experience, the customer service is nonexistent. All they do is read a script at 45 mph and barely listen to what you're trying to say.
I don't think that any credit or debit cards have an activation fee or a monthly fee which means this isn't exactly a bonus. There are also no monthly statements available. There is no link on their website that allows you to either change or look up your address and phone number on file. So if they have it wrong or outdated, you're on your own.
Furthermore, your only access to your funds is through the card and NOT through a traditional bank account. Which means if the bank decides to close your card and send you a new one for no reason whatsoever, you're on your own.
Of course you earn no interest while trusting your $$ to this card. This is a huge bonus only not to you but to the bank.
It is available only to the Social Security recipients. I am however jumping the ship.… show more
I don't think that any credit or debit cards have an activation fee or a monthly fee which means this isn't exactly a bonus. There are also no monthly statements available. There is no link on their website that allows you to either change or look up your address and phone number on file. So if they have it wrong or outdated, you're on your own.
Furthermore, your only access to your funds is through the card and NOT through a traditional bank account. Which means if the bank decides to close your card and send you a new one for no reason whatsoever, you're on your own.
Of course you earn no interest while trusting your $$ to this card. This is a huge bonus only not to you but to the bank.
It is available only to the Social Security recipients. I am however jumping the ship.… show more
09/18/14
Yes, it seems this card is offered only to people who receive supplemental security and social security income benefits.
Aug 18, 2014
It’s hard to beat the cost of the Direct Express MasterCard Prepaid Card – there are no activation or monthly fees. With this card, any user can spend his or her social security deposits with no fees whatsoever, or even withdraw money at no cost from time to time (I wish this option provided for more frequent withdrawals at no cost, but I guess you can’t have everything). Kudos for providing live customer service too!
10/06/14
Where have you heard about activation or monthly fees on a credit or debit card? You must have been confusing this with your cell phone.
Any legitimate bank will open a Bank Account for you with no activation fees, some with no monthly fees, check PNC Bank -- they offer a Standard Checking with no fees for the folks over 62.
Customer service is practically nonexistent; when you call, they'd speak at a speed of 45 mph and barely listen to what you're trying to say.
Of course, each to their own. I'm jumping the ship.… show more
Any legitimate bank will open a Bank Account for you with no activation fees, some with no monthly fees, check PNC Bank -- they offer a Standard Checking with no fees for the folks over 62.
Customer service is practically nonexistent; when you call, they'd speak at a speed of 45 mph and barely listen to what you're trying to say.
Of course, each to their own. I'm jumping the ship.… show more
Aug 05, 2014
The most obvious benefits to obtaining this credit cards is the lack of fees. Having no monthly AND activation fee is delightful. Another huge thing I love about this card is that it is a prepaid card . You can deposit different amounts whenever you want and then spend it through the card. Also, it is reloadable, so you can keep adding money and reusing this. This is a card I can definitely see myself using and I am looking forward to getting one very soon.… show more
10/06/14
How is it reloadable other than a direct deposit of your Social Security check? News to me
10/06/14
And having no monthly statements is delightful as well. No access to your funds other than through a card. Even if you live in the vicinity of Dallas TX, you can't walk over to a Texas branch and make a withdrawal. Forget it
Jul 23, 2014
This card is really good, it may actually be better than my own card I hold! No activation fee, monthly fee or a PIN transaction fee! And I love the free withdrawal with each deposit, amazing. I think this card really does have alot of great features that many other cards don't have. I would highly rate and recommend the Direct Express MasterCard Prepaid Card!
10/06/14
If you open a Standard Checking account at the PNC bank, there are no activation fee, no monthly fee and no PIN transaction fee. You have an access to your funds other than through your card. You can actually walk over to the bank and make a withdrawal if your card is closed for some reason. NOT with US Direct Express, oh no.
If Comerica Bank closes your Debit Card, you can't get ahold of your money up until a new one arrives. One replacement is free but not the subsequent ones. This is where your fees are coming from.
I am jumping the ship and definitely not recommend.… show more
If Comerica Bank closes your Debit Card, you can't get ahold of your money up until a new one arrives. One replacement is free but not the subsequent ones. This is where your fees are coming from.
I am jumping the ship and definitely not recommend.… show more
Jul 08, 2014
I love how this card has live customer support 24/7 - it is very helpful. Also, as long as you make a deposit in between withdrawals, then the withdrawals are free, and if you don't then the fee is low - only .9 percent. Also, there are no monthly or annual fees to worry about. You can load the card via direct deposit, which is really easy to set up. Great card overall!
10/06/14
Live customer support is practically nonexistent. All they do is read a script at 45 mph and barely listen to what you're trying to say. No monthly or annual fees just like any other debit or credit card, and NO MONTHLY STATEMENTS either.
Wonderful. Have fun
Wonderful. Have fun
Jun 25, 2014
Wow this Direct Express MasterCard Prepaid Card is activation free, no monthly fees, pin fee free and one free withdrawal with each deposit to your Card Account that's better than my main card and they offer direct deposit benefits. Credit card companies are trying harder to get and keep your business.
10/06/14
Ditch your 'main card' and open a Standard Checking at the PNC bank. No activation fees, no monthly fees, statements are available each month, customer service is not outsourced, and you don't lose access to your funds if your card needs a replacement.
One of my credit cards overnighted a new one to me by FedEx at no charge. Try this with US Direct Express Debit Card and good luck with that one.
One of my credit cards overnighted a new one to me by FedEx at no charge. Try this with US Direct Express Debit Card and good luck with that one.
May 30, 2014
This is a wonderful way to control your SSI distributions every month. I like the fact that it will be deposited every month, without worry. Having used the RUSH card in the past, the fees (or lack of) associated with the Direct Express Card are much less and that makes it more desirable. The drawback is you only have 1 free withdrawal a month. In order to manage your money well, 3 free withdrawals would be more realistic. To pay $.90 per withdrawal after that is still a much lower cost, though, than with the RUSH card (which charges $3/per). All in all, the Direct Express Card is the best bet!… show more
10/06/14
Your monthly checks can be deposited at any legitimate bank, ever heard of that? The drawback is that when Comerica Bank closes your Debit Card just because they could, you're stuck without access to your funds up until a new one arrives. This takes about 10 days. If you however open your mouth, it will take 2 days.
First card replacement is free, however each subsequent one is $4. If you want it sent overnight, it's I believe $13.50 extra.
I'm packing my bags and off I go to the greener pastures. PNC bank offers a Standard Checking with no minimum requirements for the folks 62 and better, and I can have a debit card with them just the same. Only when this one is closed, I can walk into a bank and make a withdrawal. No activation fees, no monthly fees. If you have a computer, you can pay your bills online FREE.
Good luck with your green debit card.… show more
First card replacement is free, however each subsequent one is $4. If you want it sent overnight, it's I believe $13.50 extra.
I'm packing my bags and off I go to the greener pastures. PNC bank offers a Standard Checking with no minimum requirements for the folks 62 and better, and I can have a debit card with them just the same. Only when this one is closed, I can walk into a bank and make a withdrawal. No activation fees, no monthly fees. If you have a computer, you can pay your bills online FREE.
Good luck with your green debit card.… show more
May 23, 2014
Everything looks good about the Direct Express MasterCard Prepaid Card, it looks free to use. But, when you look at the 90 cents it takes to withdraw money on top of what ever the owner of the ATM is charging you, it cost a lot to use this. There are ways around it, but it's a hassle. I have a free checking account with a debit card that I can access my cash for free at any of their ATMs.… show more
10/06/14
If a bank decides to close your card just because they could, without any legit reason, guess what, you have no access to your money up until a new one arrives in mail, which can take up to 10 days. If you want it overnighted, another I believe $13.50. If they close your account again, $4 for the card replacement. No monthly statements available whatsoever, and virtually no customer service. When you call them, they read a script at 45 mph and barely listen what you've got to say.
Have fun. Me, I'm jumping the ship.… show more
Have fun. Me, I'm jumping the ship.… show more
May 23, 2014
The Direct Express Prepaid card is a great tool to help someone like myself out of a deep credit rut. It's great that if you put money on the card you can use it in the same way as a credit card. The only thing that I don't like is that you can do an ATM withdraw once a month after that it is $.90, which isn't to bad if you use it like a credit card only.… show more
10/06/14
I have no idea how this can get you out of a deep credit rut if you rely on your Social Security checks. I mean, your monthly income is still the same. It's not that Comerica Bank pays you to open the card.
Here's the picture: you pay for your groceries etc by a credit card. Then comes the due date, you pay your bill by a checking account or cash. Now that you have a debit card, you're still paying for your groceries, just the same.
If you say, purchase groceries etc. for $200, paid by a credit card. Comes the payday when you receive your Social Security check, you pay the $200 bill off by the due date. Now that you have a debit card with direct deposit, you pay the same $200 only don't have to wait for the bill to arrive. You actually pay it about 25 or so days earlier or whatever your grace period is, than you would with a credit card.
Clear as mud?… show more
Here's the picture: you pay for your groceries etc by a credit card. Then comes the due date, you pay your bill by a checking account or cash. Now that you have a debit card, you're still paying for your groceries, just the same.
If you say, purchase groceries etc. for $200, paid by a credit card. Comes the payday when you receive your Social Security check, you pay the $200 bill off by the due date. Now that you have a debit card with direct deposit, you pay the same $200 only don't have to wait for the bill to arrive. You actually pay it about 25 or so days earlier or whatever your grace period is, than you would with a credit card.
Clear as mud?… show more
Apr 10, 2014
The Direct Express Prepaid card is an awesome card . I like the fact that there are no yearly fees or hidden fees. I personally own over 10 credit cards but I don't see the point of paying fees in order to use and pay with credit cards. I think this card will be good for consumers who want to limit the amount of money they spend. Consumers who are on a budget can use the card to stay under budget when making purchases.… show more
10/06/14
What fees? I have about half a dozen credit cards but never a fee unless of course I'm late that usually doesn't happen. My credit cards don't carry any fees, yearly or otherwise.
You can stay on budget regardless of the kind of a card you use. If you have a low credit line on your credit card, you will stay under the budget, believe me. Just ask the bank that issued your card, to lower your credit line, and you're as good as new.
I don't know how easy it is to stay under budget with so many temptations around. If you don't resist them, you might as well spend your entire balance on said Debit Card in just one day, period.
Re: hidden fees. There are plenty. If the Comerica Bank closes your card because they could, you're out of your funds. No access. The first card replacement is free, however if you want it overnight, there is a fee, I believe $13.50. Each subsequent card replacement is $4. Here go your hidden fees. I am pretty sure there are more, but I am not staying around to find out. I am jumping the ship.
Have fun… show more
You can stay on budget regardless of the kind of a card you use. If you have a low credit line on your credit card, you will stay under the budget, believe me. Just ask the bank that issued your card, to lower your credit line, and you're as good as new.
I don't know how easy it is to stay under budget with so many temptations around. If you don't resist them, you might as well spend your entire balance on said Debit Card in just one day, period.
Re: hidden fees. There are plenty. If the Comerica Bank closes your card because they could, you're out of your funds. No access. The first card replacement is free, however if you want it overnight, there is a fee, I believe $13.50. Each subsequent card replacement is $4. Here go your hidden fees. I am pretty sure there are more, but I am not staying around to find out. I am jumping the ship.
Have fun… show more
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Last updated on: August 6th, 2020 at 14:32
WalletHub is an independent comparison service.
We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. When you click "Apply Now" you will be directed to the offering institution's website. In addition, keep in mind that actual rates and other information may vary for a number of reasons including the applicant's' creditworthiness and differences between an individual's situation and the criteria/assumptions used to generate the information displayed. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
Ad Disclosure: Offers originating from paying advertisers are noted as “Sponsored” at the top of this page. Advertising may impact how and where offers appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.
Irrespective of whether an offering institution is a paid advertiser, the presence of offer information on WalletHub does not constitute a referral or endorsement of the institution by us or vice versa. Furthermore, offers have not been reviewed or approved by the offering institution. Information is displayed first and foremost to help consumers make better decisions.
Editorial Disclaimer: Editorial and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by the issuer. In addition, it is not issuer’s responsibility to ensure all posts and/or questions are answered.
Offer last updated: Aug 6th, 2020 at 14:32 ET