Direct Express Reviews
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About Direct Express
Direct Express is a prepaid card that gives you access to your federal benefits regardless of whether you have a bank account. If you receive federal benefits and want a secure way to store and use your funds, Direct Express’ easy-to-use debit card gives you simple access and is accepted at many locations.
- All funds are FDIC-insured
- No bank account necessary
- Works where Mastercard is accepted
- No lines of credit or loans available
Helpful Reviews
What is Direct Express?
Direct Express gives consumers access to their federal funds through its convenient and secure debit card. You could be eligible for Direct Express’ card if you receive funding from one of the following government agencies:
- Coast Guard
- Defense Finance and Accounting Service
- Department of Labor
- Office of Personnel Management
- Railroad Retirement Board
- Social Security Administration
- Department of the Treasury
- Veterans Affairs
- Veterans Health Administration
You can use your Direct Express card just like a debit card at ATMs and stores that accept Mastercard. To sign up for Direct Express’ debit card, call the company's enrollment center or visit your local federal paying agency. Direct Express doesn’t require a credit check or minimum balance to sign up.
Direct Express rates and fees
Most of Direct Express’ services are free, but there are some fees associated with certain services, including:
- Direct Express Cash Access: 85 cents per transaction
- Funds transfer: $1.50 per transfer
- Card replacement: $4
- Foreign purchase fees: 3% of the purchase price
You can cancel your Direct Express account at any time at no cost by calling the company's customer service office.
Direct Express FAQ
What bank does Direct Express use?
Direct Express uses Comerica. The Treasury Department announced a five-year agreement with Comerica as its financial agent in January 2020.
How long does it take to get a Direct Express card in the mail?
Applicants receive their Direct Express cards within seven to 14 days after approval. Once you receive your card, your federal payments automatically deposit to it.
Can I put money on my Direct Express card?
No, you can’t put money on your Direct Express card. The only funds you can access or have on your Direct Express card are those from the government.
How do I contact Direct Express customer service?
You can contact Direct Express’ customer service representatives by calling its customer service hotline.
Still have questions?
Is Direct Express worth it?
Direct Express’ basic services are free, and its card doesn’t require a credit check or minimum balance. If you receive federal benefits from Social Security, the Department of Veterans Affairs or another government agency, the Direct Express card makes it easier for you to access and easily use your funds.
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Direct Express Company Information
- Company Name:
- Direct Express
- Website:
- www.usdirectexpress.com









