The Direct Express® Card

The Benefits of Direct Deposit, For Those Who Prefer a Prepaid Debit Card

The Treasury-recommended Direct Express® card is a prepaid debit card payment option for federal benefit recipients who don’t have a bank or credit union account. Cardholders can make purchases at stores that accept Debit MasterCard®, pay bills, purchase money orders from the U.S. Post Office and get cash from an ATM or financial institution that displays the MasterCard acceptance mark. No bank account or credit check is required to enroll. There are no sign-up fees or monthly account fees. Many other card services are free. Additional information about the Direct Express® card is available at

When you sign up to receive your Social Security, Supplemental Security Income, VA  or other federal benefits via the Direct Express® card, your money will be automatically deposited to your Direct Express® card account on your payment date.

How Can I Use My Direct Express® Card?

Advantages Video

If you don’t have a bank account or simply prefer a prepaid debit card, the Treasury Department recommends that you sign up for the Direct Express® card. This video explains the advantages of the Direct Express® card over paper checks and tells you how you can use the card.

Debit MasterCard Video

Interested in the Direct Express® Debit MasterCard® card for federal benefit payments? Watch this video, which dramatizes a day in the life of a Direct Express® card user and shows you how easy it is to pay bills, buy groceries and access your money with the card.

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