How much does a benefit recipient have to pay for the Direct Express® card?
Most services are free. There is no cost to sign up for the card and there are no monthly fees or overdraft fees. While there are fees for a limited number of optional transactions, it is possible to use the card for free.
Free services include:
- Purchases at retail locations.
- Cash back with purchases.
- Optional notification by phone, email or text message of deposits.
- Optional low balance alert when account balance falls below a certain level.
- Access to the website 24 hours a day, seven days a week.
- Unlimited balance inquiries at ATMs, by phone or online.
- Access to the toll-free customer service number 24 hours a day, seven days a week.
- Cash withdrawals through bank or credit union tellers.
- One free replacement card per year.
- One free ATM cash withdrawal for each deposit posted to the card account each month, provided that one of the approximately 50,000 surcharge-free network ATMs is used.
Optional services available for a fee include
- More than one ATM withdrawal per deposit ($0.90 per withdrawal).
- ATM owner fees called "surcharge fees" may apply if one of the approximately 50,000 surcharge-free network ATMs is not used.
- Mailing a monthly paper statement ($0.75 per month).
- Transfer of money from the card account to a personal United States bank account ($1.50).
- Card replacement after one free replacement card per year ($4.00 per card). If you request expedited delivery, there is an additional charge of $13.50. There is no additional charge for standard delivery.
- Purchases at merchant locations or ATM cash withdrawals outside of the United States.
Visit www.GoDirect.org for more information on fees and the surcharge-free network.
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