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Direct Express

Direct Express

 3.4/5 (171 ratings)
  • 5 stars
    44
  • 4 stars
    48
  • 3 stars
    25
  • 2 stars
    8
  • 1 stars
    46
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About Direct Express

This profile has not been claimed by the company. See reviews below to learn more or submit your own review.

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.

Overall Satisfaction Rating

  • 5 stars
    44
  • 4 stars
    48
  • 3 stars
    25
  • 2 stars
    8
  • 1 stars
    46

Pros

  • All funds are FDIC-insured
  • No bank account necessary
  • Works where Mastercard is accepted

Cons

  • No lines of credit or loans available

Bottom Line

Direct Express gives federal benefits recipients an easy way to access funds without needing a bank account. The majority of federal funds are eligible for use with Direct Express, and its application process is simple and free.

Top Direct Express Reviews

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  • We use intelligent software that helps us maintain the integrity of reviews.
  • Our moderators read all reviews to verify quality and helpfulness.

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Rated with 5 stars
Verified

I actually feel safe with this card because it is an extension of the disability/social security dept and the app they have is so useful and convenient way to get your balance and...

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Rated with 5 stars
Verified

I love this card. I don't have very many issues and if I do customer service takes care of it. Seeing all these bad reviews I felt I should share my experience. My card was cloned...

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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.

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.

Direct Express Reviews

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How do I know I can trust these reviews about Direct Express?
How do I know I can trust these reviews about Direct Express?
  • 3,147,163 reviews on ConsumerAffairs are verified.
  • We require contact information to ensure our reviewers are real.
  • We use intelligent software that helps us maintain the integrity of reviews.
  • Our moderators read all reviews to verify quality and helpfulness.

For more information about reviews on ConsumerAffairs.com please visit our FAQ.

Page 1 Reviews 0 - 10
Rated with 4 stars
Verified Reviewer
Original review: May 3, 2021

My account was hacked and $1003 was fraudulently withdrew. I filed a Dispute, sent all the proper paperwork (police report, their questionnaire, etc.) within the 10 days they required, but DirectExpress DENIED it. They said the Dallas address was mine and I couldn't prove otherwise. I've been with DirectExpress since 09, at this address I live now for over 6 years. New cards kept coming (3 in all) and then being canceled, hell 2 arrived already canceled. All the time DirectExpress was charging my account into the negative numbers.

Now you would think after sending me at least 3 cards at my proper address they would get the hint where I live, but DirectExpress kept saying the address they have on file is the Dallas one. I finally found an Agent that was smart enough to lock down my account, so now I had to prove with SSI Office who I am in order to unlock my account. Thank goodness I got with an Agent at the SSI office that was smart enough to get this nightmare figured out.

I now am waiting on my new card (different address) and hopefully it's going to work out. I am most definitely getting the hell out of dodge when I finally get my SSDI money. I don't recommend DirectExpress for the way they handled my situation. A real human is almost impossible to reach and when you do, they won't know what the other end is doing. This is my story...

Be the first one to find this review helpful
Rated with 5 stars
Verified Reviewer
Original review: Jan. 13, 2021

I am so disappointed with you, Consumer Affairs and so frustrated with Direct Express! I submitted a review on 12/28/20. To date I have not heard a peep out of either one of you! You have TOTALLY destroyed my faith in believing that what you proclaim to represent is just a complete farce! I am a disabled senior citizen. I have received ZERO $ for 5 months now due to Direct Express's ineptness. And you have shown me that you have no ethics nor compassion! I intend to contact the media if I have not heard from you by Monday, 1/18. This is ample time for you to respond. I have pen in hand, so to speak, in regards to contacting the media! I am so VERY disappointed in your complete lack of professionalism and empathy!!!

Vaive

17 people found this review helpful

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    Rated with 4 stars
    Verified Reviewer
    Original review: Nov. 26, 2020

    I see all the negative reviews but my experience was actually good. My card showed a charge I didn’t do of .60. They immediately locked my card while they said transactions continued to try to go through from GERMANY! I’m glad they noticed it immediately and locked my card. I called, verified my card, and they canceled it and sent out a new one out for free and gave me free express shipping. Had they not noticed my card was compromised I would’ve had to wait a lot longer and possibly lost money. I did however have to wait 3 hours on hold to talk to them which is why I took a star off.

    3 people found this review helpful
    Rated with 5 stars
    profile pic of the author
    Verified Reviewer
    Original review: July 26, 2020

    I have had mine since they came out and have made many, many purchases with it. Online or in-store - ATM or cashier - no matter what I have no problems with them. Money that is supposed to be refunded to me gets refunded and customer service is very respectful and professional to me when I have a problem. I cannot fathom why others have had so many problems with their service. This card works exactly as advertised for the purpose it was designed for.

    6 people found this review helpful
    Rated with 5 stars
    Verified Reviewer
    Original review: July 19, 2020

    I got online one day to check on a item I had purchased and found 6 pending purchases that I had not made. I got on the phone to Direct Express and spoke to one of their employees about it, I was sure that was the last I had seen of that money. I spoke to a young man named Kris and answered a few questions and he said to keep an eye on my account and let them know when the purchases went thru. He said it sometimes took up to 30 days to recover a unauthorized purchase. At that point I wasn't very hopeful. By the time I realized it had gone thru 2 of the 6 purchases were refunded to my account and within a week the other 4 showed up refunded. I will be much more careful giving any information online that's for sure but they were Great!!

    6 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: May 5, 2021

    This is ridiculous. I have had a cash purchase pending now for 6 days and the company I authorized the money to keeps getting declined for the payment that clearly shows in my account. I have medical necessities in these purchases that I need and are currently held up, I have tried contacting customer service many times a day to find out what is going on with this yet I keep getting a recording due to heavy call volume. Call back at a later time. You'd think that this being a government payment service that it would be priority to get people their payments since we rely on our benefits to pay our bills.

    Be the first one to find this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: May 1, 2021

    This is the worst debit card that I have ever had. It is extremely difficult to resolve disputes and hard to reach a customer service representative. As soon as my account has a zero balance I am closing this account.

    Be the first one to find this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: April 8, 2021

    They keep declining transactions. This company was sup to give me a small level of independence, and normalcy that being chronically ill, I haven't ever had. Instead my anxiety level has reached epic proportions. How am I sup to take care of myself when you won't let me use my own money? I can't go out very often because I have a weak immune system, so I order online. I have spent 2 and a half hours on the phone, spoken to 4 different people, and every single person I speak to, gives me a different excuse.

    I've spent an entire week trying to pay a Patreon (that was fine in Feb), a vinyl company, ShopGoodWill, and Fat Quarter Shop. I've used this card to pay Patreon, Fat Quarter, and Shopgoodwill, in the past with no issues. The companies themselves have no issues. I can pay Amazon just fine. This company once left me stranded at an airport because I couldn't take money out of an ATM to pay for a taxi, and I couldn't use the taxi's pay either. Thought that was just a fluke. Nope, so far I've been told, "We're having issues with online thieves" by Tamisha on April 3rd, then I got told they saw the declines today by Chris, who transferred me to Destiny.

    Destiny couldn't find ANY requests and declines but told me to stop trying for a few days because that's probably why it's declining. Then to call back in a couple of days if there is still an issue. Nope, you've already made me feel like people with disabilities shouldn't use your service. Now I'm emptying the account every month and paying for everything through a relative's bank account. Thanks so much for making my life more stressful and harder. Congrats. You must be so proud of yourselves.

    6 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: April 1, 2021

    This company is Horrible!! There is ZERO customer service.... I had a charge on my card that I had to dispute, I finally got someone and they wouldn't do anything until the charge wasn't "pending", by that time there were 2 more charges. I told them to cancel the card and send a new one... It took 2 weeks to get the card and they NEVER refunded the stolen money. They said the dispute was denied and gave no evidence. They suck!!!

    4 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: March 28, 2021

    They place restrictions on online purchases even when you have more than enough funds in your account. Worst excuse for a debit card I have ever seen. Eight declined transactions in the last 3 days. Do yourself a favor and avoid this poor excuse for a debit card.

    12 people found this review helpful
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    Direct Express Company Information

    Company Name:
    Direct Express
    Website:
    www.usdirectexpress.com