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Frequently Asked Questions Retirement

What are the benefits of the Direct Express® card?

The Direct Express® card provides the advantages of direct deposit without requiring a bank account or credit check and is an option for those who prefer a prepaid debit card recommended by the Treasury Department:


  • Fast and Easy –Federal benefit payments go straight into the Direct Express® card account on payment day each month. There’s no need to wait for the mail to arrive or to make a special trip to cash a check.
  • Safe – There’s no risk of lost or stolen checks, no need to carry large amounts of cash, and card account balances are insured by the Federal Deposit Insurance Corporation (FDIC) up to the maximum allowed by law.
  • Convenient – Use the card to make everyday purchases everywhere Debit MasterCard® is accepted. Make purchases, pay bills, buy money orders and get cash at thousands of locations nationwide. Use the card 24 hours a day, seven days a week.


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


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