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Frequently Asked Questions Retirement

Is there an option for federal benefit check recipients who don't have a bank account or prefer a prepaid debit card?

Yes. The Direct Express® card is a safe, no- or low-cost electronic alternative. No bank or credit union account or credit check is required to enroll. Cardholders can make purchases, pay bills and get cash. This also is an option for those who prefer a prepaid debit card recommended by the U.S. Department of the Treasury. Many card services are free, including:


  • Purchases at retail locations
  • Cash back at retailers at the point of sale
  • Optional notification by phone, email or text message of deposits
  • Optional low-balance alert when account balance falls below a certain level
  • Balance inquiries at ATMs, by phone or online
  • Access to the toll-free customer service number or website 24 hours a day, seven days a week
  • One (1) ATM cash withdrawal in the United States for each deposit posted to the account. ATM owner surcharges may apply at ATMs outside the Direct Express® card surcharge free network.


(Visit for information about fees and the surcharge-free network.)

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