Direct Express MasterCard Prepaid Card
- ACTIVATION FEE None
- MONTHLY FEE None
- SIGNATURE TRANSACTION FEE Free
- PIN TRANSACTION FEE Free
- ATM TRANSACTION FEE $0.85
Direct Express MasterCard Prepaid Card ’s Highlights
- When you sign up to receive your Social Security or Supplemental Security Income benefits on the Direct Express® card, you will receive your payment every month without having to worry about cashing your check, losing your check, or having it stolen. Instead of receiving a check, your money will be automatically deposited to your Direct Express® card account on your payment date.
- Use your card to withdraw cash from Automated Teller Machines (ATMs), make purchases at stores that accept Debit MasterCard®, and get cash back when you make those purchases. You can also use your debit card for online bill pay and to buy money orders at the U.S. Post Office.
- No monthly fees, no hidden fees and most services are free.
Direct Express MasterCard Prepaid Card ’s's Additional Info
- LIVE CUSTOMER SUPPORT Free
- AUTOMATED CUSTOMER SUPPORT Free
- RELOAD OPTIONS Direct Deposit, Bank Transfer
- CANCELLATION FEE Free
- INACTIVITY FEE None
Direct Express MasterCard Prepaid Card Reviews
ATM access is pretty convenient as well, some people seem to have issues finding a no-fee one but I had no issues finding them in my area for withdrawals. And even then the fee is very small.
Besides that, no monthly fees or maintenance or anything like that which is a big bonus to me.
Contrast this with a Visa Prepaid card and you have a card that's not really exceptional but does what it needs to do.… more
I have used the WalMart Money Card and think the Direct Express MasterCard Prepaid Card is a better value because, unlike the Walmart Money Card, there is no monthly fee or card loading fee.
The downside though is since you can only really use your money, it's not necessarily as useful as an emergency backup. But it's still a great option to have in your back pocket if you can't or don't want a standard credit card.
But, if you can, you might be better off with a normal credit card. That way you can build your credit even more, have a credit line for emergencies, and maybe get rewards points like with the Capital One Rewards card.… more
I understand that there is a certain amount of convenience involved in not having to cash a check, but nowadays a lot of banks allow you to deposit checks with a smartphone. Obviously, not everyone has access to a smartphone, but cards like this will be obsolete very soon.… more
That all being said, the terms of this card as posted above are correct. Be aware of the ATM withdrawal fee following your one free monthly withdrawal is 90 cents per transaction. With some foresight you can avoid this fee by being aware of your cash needs for the month, but the main use of this card is for being used similar to a debit card. That means you load the card and deplete through your typical debit charges.
Bottom line, always thoroughly investigate your financial options. There is no card that can fix poor planning.… more
No monthly fees or interest of any kind but you only have the money you put on it yourself.
Be careful not to lose your card though, without that you can't access any of the money you put on the card until you receive a replacement, it's not like a normal bank account.
Good way to build credit, good terms, go for it.
I reported it a couple hours after it happened and was told it should be refunded in 5 days.
7 days later I called back was on hold for long time talked to CS then was transferred, on hold a very long time, almost 30 minutes. I was helped by Anthony who was not just unemphatic but rushed and rude. He canceled my card before consulting me, leaving me in bind. With no cash on me I could not wait for USPS and was forced to pay for express shipping. After being online for nearly an hour Anthony told me he could not wait for 2 minutes while I did some research. OH! and DAMN is profanity according to him and he will terminate the call if it happens again. Anywho... I still did not get money back and will have to wait maybe 90 days for an answer.… more
If Comerica Bank closes your card for no reason, you have no recourse but to sit tight and wait until a new one arrives in mail. You are allowed only ONE free card replacement and will be charged a fee for the subsequent replacements. Multiply the $$ fee by a vast number of users = a nice boost to the bank's revenue.
According to the text I had to listen to while being on hold calling a local SSA office, there are 50 million SSA recipients. Even if you assume that may be 50% of them are smarter than using this card, this still leaves us with roughly 25 million. Now, multiply 25 million by $4 = $100 million bucks of incoming dough to the bank, for virtually doing nothing.
Their rather vague explanation for closing your card is "compromised". Yea right. This can be done at the time you need it most, such as the end of the month, when your rent is about due. You are likely facing an eviction for the non-payment of rent while you're sitting tight and waiting for the new card to arrive within hopefully ten days or so.
The US Direct Express website doesn't have a way for you to change or even look up your personal info. The Cardholder button will bring you to a place where you can change your password and security question and nothing else. So if they have an incorrect or an old address, you're on your own.
I've found out that my card was closed while doing grocery shopping. Everyone standing in line must've been thinking that I don't pay my bills when the cashier announced 'Denied'. Very embarrassing. There was nothing wrong with my card; it had enough of a balance to cover my grocery purchase. Now I am forced to use my credit cards and rack up some bills. You know how much interest the credit cards charge, right?
FYI: if they close your card, immediately start complaining to the Texas BBB, and nowhere else. This produces almost instant results, the bank starts calling YOU, and even asks if they're calling at a wrong time, imagine that!! Of course, they'd tell you that they call each and every SSA recipient prior to the card closing. They must have lost my number then. Oh and they will EXPEDITE my new card to my new address within 2 days for free (while charging everyone else for it; I believe $13.50). Amazing what opening your mouth will do. Open yours!!
BOTTOM LINE: Pack your bags, cancel the darn card and open an account at the PNC bank. You can have a debit card in this place just the same. This one offers a traditional bank account where you'd have access to your money either with a debit card or without. They offer a standard checking without a minimum balance requirements if you are over 62. Good luck!!… more
Your one and only access to your funds is said card. If said card is closed, no access. Your Citibank card is a part of your Bank Account while US Direct Express is only a Card Account. There is a huge difference between the two.
What did you get cash back for? I've had it for several years, never received any cash back. Are you sure you are not confusing this card with something else?
STAY AWAY from using this card. Google free checking accounts at the traditional banks where you can do the same but without the additional headache… more
I don't think that any credit or debit cards have an activation fee or a monthly fee which means this isn't exactly a bonus. There are also no monthly statements available. There is no link on their website that allows you to either change or look up your address and phone number on file. So if they have it wrong or outdated, you're on your own.
Furthermore, your only access to your funds is through the card and NOT through a traditional bank account. Which means if the bank decides to close your card and send you a new one for no reason whatsoever, you're on your own.
Of course you earn no interest while trusting your $$ to this card. This is a huge bonus only not to you but to the bank.
It is available only to the Social Security recipients. I am however jumping the ship.… more
Any legitimate bank will open a Bank Account for you with no activation fees, some with no monthly fees, check PNC Bank -- they offer a Standard Checking with no fees for the folks over 62.
Customer service is practically nonexistent; when you call, they'd speak at a speed of 45 mph and barely listen to what you're trying to say.
Of course, each to their own. I'm jumping the ship.
If Comerica Bank closes your Debit Card, you can't get ahold of your money up until a new one arrives. One replacement is free but not the subsequent ones. This is where your fees are coming from.
I am jumping the ship and definitely not recommend. … more
Wonderful. Have fun
One of my credit cards overnighted a new one to me by FedEx at no charge. Try this with US Direct Express Debit Card and good luck with that one.
First card replacement is free, however each subsequent one is $4. If you want it sent overnight, it's I believe $13.50 extra.
I'm packing my bags and off I go to the greener pastures. PNC bank offers a Standard Checking with no minimum requirements for the folks 62 and better, and I can have a debit card with them just the same. Only when this one is closed, I can walk into a bank and make a withdrawal. No activation fees, no monthly fees. If you have a computer, you can pay your bills online FREE.
Good luck with your green debit card.… more
Have fun. Me, I'm jumping the ship.
Here's the picture: you pay for your groceries etc by a credit card. Then comes the due date, you pay your bill by a checking account or cash. Now that you have a debit card, you're still paying for your groceries, just the same.
If you say, purchase groceries etc. for $200, paid by a credit card. Comes the payday when you receive your Social Security check, you pay the $200 bill off by the due date. Now that you have a debit card with direct deposit, you pay the same $200 only don't have to wait for the bill to arrive. You actually pay it about 25 or so days earlier or whatever your grace period is, than you would with a credit card.
Clear as mud?… more
You can stay on budget regardless of the kind of a card you use. If you have a low credit line on your credit card, you will stay under the budget, believe me. Just ask the bank that issued your card, to lower your credit line, and you're as good as new.
I don't know how easy it is to stay under budget with so many temptations around. If you don't resist them, you might as well spend your entire balance on said Debit Card in just one day, period.
Re: hidden fees. There are plenty. If the Comerica Bank closes your card because they could, you're out of your funds. No access. The first card replacement is free, however if you want it overnight, there is a fee, I believe $13.50. Each subsequent card replacement is $4. Here go your hidden fees. I am pretty sure there are more, but I am not staying around to find out. I am jumping the ship.
Have fun… more
who doesn't have a lot of credit experience. Many prepaid cards charge extraneous fees, but this card has no activation or monthly fee. This is fantastic. When I was 15, I used a prepaid credit card through my bank, and felt like I spent just as much on fees as I saved! This card is perfect for someone who either wants to practice with a credit card that has no risks, or someone who just doesn't want to use a bank account. This card has no negative aspects that I can see.
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Last updated on: Jul 17th, 2015 at 7:14 EDT