What Is a Direct Express Debit Card?


Quick Answer

The Direct Express prepaid debit card is a card for beneficiaries of Social Security and Supplemental Security Income who want to obtain their benefits through electronic methods, according to Direct Express. The card enables them to use electronic transactions to access and spend their money instead of using cash.

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Full Answer

Having a bank account is not a requirement to apply for the Direct Express card, says Direct Express. Obtaining the card does not involve a credit check or require a minimum balance. To sign up for the Direct Express card, a person can call the toll-free number of the Direct Express card enrollment center or visit the company's official website.

Once a person receives his card in the mail, he can activate the card by calling the Direct Express card customer service department, instructs Direct Express. The requirements for activating the card include the 16-digit card number, the final four digits of the cardholder's Social Security number and his birth date. He must also choose a four-digit personal identification number or PIN.

Direct Express cardholders receive their funds electronically each month through automatic deposits to their Direct Express card accounts rather than getting checks, explains Direct Express. Cardholders can withdraw funds from ATMs, shop at stores that accept debit MasterCard, pay bills online or purchase money orders at the U.S. Post Office.

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