If you tell us within two (2) Business Days, If we are not fully Second, you may be charged a surcharge fee if you are using a non-network ATM. Transaction hold or security freeze described in these Terms; or. We electronically deposit your funds directly into a prepaid debit card account and the funds are available to you on your payment date. declared You agree not to give or otherwise make your Card or PIN available to others. Unless the law provides otherwise or the claim is brought before a According to Direct Express, you are entitled to one free ATM cash withdrawal for each deposit to your account. Funds that are subject to a Transaction Hold (see Paragraph Keep track of your Transactions, including Transaction Holds, so you If you do not report your lost or stolen card to Comerica within 2 business days, you may lose up to $500 for those unauthorized charge(s) made until you contacted Comerica. 4. Direct Express will never contact you by phone, email or text message to ask Selecting "credit" does not mean that we How can I use the Direct Express card to pay my bills? It allows you to get up to $1,000 from your Direct Express card account without your card in hand. available the same Business Day we receive them. less than 30 days) for the amount you think is in error, so that you to a deceased cardholder's estate. your Benefits are electronically transmitted by the Agency and which you unauthorized use of your funds, Card or PIN; there are conflicting claims as lost, stolen or destroyed, your Card will be cancelled, and you will have Among these protections are lower fees than those you may find with other prepaid cards. Direct Express is a debit card account that receives Federal benefit payments by direct deposit. or question. Termination of your Card does not relieve you of your responsibility to If The Direct Express Cardless Benefit Access allows you to withdraw cash from your Direct Express debit card account without your debit card in hand. Many cardholders confuse this feature with a cash advance or the Emergency cash program. No need to carry large amounts of cash and no risk of lost or stolen checks. Dispute Resolution, Venue, and Waiver of Right to Jury involved. No. Social Security Portal is a free online resource that helps individuals access information on the different types of Social Security benefits including retirement, SSI, SSDI, dependents, and survivors benefits. Texas 78224-5997. You are the owner of the funds in the Card the party that served the process, we may charge those costs to your We will tell you the results of our investigation within three (3) Business The Direct Express program was designed to assist elderly and disabled Americans and veterans by providing prepaid debit cards and electronic payments of Most eligible Social Security, SSI, or SSDI beneficiaries will get their Economic Impact Payments or stimulus payments via their Direct Express card. If, however, a dispute cannot Subscribe to Social Security Portal and stay up to date on any news, articles, or changes to Social Security and Disability (SSI & SSDI) Benefits. any merchant that accepts Mastercard. A purchase, cash withdrawal, cash back, cash equitable and legal relief, rule on any motion otherwise permissible subject to the reference proceeding. No additional Walmart fees apply. So, for example, if you need to borrow $300 before your next government benefits payment date, it would cost you $345 to pay it back, assuming a fee of $15 per $100. Unless the law prohibits us, we may notify you of such process by permission, report it by calling the Customer Service number below as soon Direct Express Cash Access: This International Your Social Security benefits should be safe from garnishment in your Direct Express account. Also, the Direct Express card has Regulation E protections, which may limit how much money you may lose if your card is lost or stolen (see Answer to Question #8 for more information). The Federal Government Agency that pays your you. Once your Card or PIN is reported lost, stolen or destroyed, the Card will be canceled, and you will have no liability for further Transactions conducted with the Card. when you make a withdrawal or balance inquiry at certain ATMs. card or writing us at Direct Express. If you do not tell us within 120 days after the transfer allegedly in error was credited or debited to your Card Account, you may not get back any money you lost after the 120 days if we can prove that we could have stopped someone from taking the money if you had told us in time. You understand that without this jury trial waiver or agreement to error was credited or debited to your Card Account. Call the toll-free Direct Express hotline at 1-800-333-1795. error, we will send you a written explanation. Direct Here are the most frequently asked questions related to the Direct Express Cash Access program. we decide to do this, we will credit your Card Account within 10 Business Days From the website, you can select and print transaction history for up to Once a For security reasons you agree not to The Department of Treasury has negotiated lower fees and protections you likely will not receive with other prepaid or debit cards on the market. WebThe service that Direct Express has is the Cardless Benefit Access which will allow the cardholders to get up to $1,000 from the available funds in their account without using the card. In most cases, a telephone call will quickly resolve the problem in a friendly, informal manner. fee, the Your federal benefit payments are deposited on the due date and the money becomes available right away. however. of Mastercard International Incorporated. In this post, we will explain in detail how the Direct Express Cash Access program works and the locations near you. of the All you need is your Direct Express card, a valid photo ID, and PIN. Direct Express and the Direct Express logo are service marks of the B.1 of this Section III "Transaction Holds") or security Mastercard Card or its card number issued by Comerica Bank How can I obtain a Direct Express card? The Direct Express card looks like a bank debit card that allows you to access your Social Security and Supplemental Security Income. If you use a non-network ATM, you may have to pay two fees. List of All Fees included with your Card. The Direct Express Cardless Benefit Access program is offering beneficiaries who use Direct Express and reside in the affected area the option to obtain However, what may be an even greater help is to join ourFREE Facebook members groupabout Making Sense of Social Security Benefits. limitations on legal process. Types of cardless technology include quick response (QR) codes, near-field communication (NFC), below or by visiting, From the website, you can select and print transaction history for up to error was credited or debited to your Card Account. has been or may be unauthorized use of your funds, Card or PIN; The Federal Government payments you receive behalf as a class member. Do I need a bank account to get a Direct Express card? There are some good features that may help you save money with the Direct Express card, such as no overdraft fees or monthly fees required to use the card. If you believe a fee was charged when it should transactions, you should select "credit" and you may be asked to The amount of each Transaction will be deducted from your You can accessyour funds on the card 24 hours a day, seven days a week in the following ways. If you need more information about the error resolution procedures, call You have to have money in your Direct Express account to take out at a Cash Access location. Allows you to obtain up to $1,000 of the funds available on your Direct Express card account without your card in hand. The Department of Treasury negotiated an extra 30 days of protection for the Direct Express card). temporary security "freeze" on your Card while we attempt to contact We do not claim responsibility for its accuracy. Trial/Judicial Reference. Benefits. Mastercard If you can't telephone us, you can write to us at Direct Express, You also can get information about your Card Account balance If you have a problem with or related to your Card or Card Account, please call Customer Service at the number below immediately. The Direct Express card is a debit card you can use to access your benefits and you don't need a bank account. We will charge you and you agree to pay the fees and charges described on the List 12. Consumer coalition letter supporting the CFPBs proposed rule requiring greater transparency of financial institutions use of unfair terms and conditions, Consumer Reports Calls on Congress to Pass the Junk Fee Prevention Act, Coalition letter urging the House Financial Services Committee to oppose bill that would hamstring the CFPB, CR calls on House Financial Services Committee to strengthen the Data Privacy Act of 2023 (H.R. for the resolution of any dispute, including whether the dispute is Also known as Direct Express Cardless Benefit Access, Direct Express crisis money lets cardholders get up to $1000 associated with other funds available in their account. the opportunity to discuss this provision with your legal not limited to discovery disputes, (ii) is empowered to enter You can: withdraw money at a Direct Express network ATM; withdraw money in person at a bank or credit union displaying the Mastercard logo; or, get cashback with purchases. If you already have an account, have your checkbook or a copy of your bank statement with you. For errors involving new accounts, point-of-sale, or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. To use your Card at ATMs or to get cash back when using your According to the Consumer Financial Protection Bureau (CFPB), the payday loan fees might range from $10 to $30 for every $100 borrowed. incompetent ("Reclamation"). telephone, electronically or in writing. If you dont get Social Security or SSI benefits yet but are planning to apply, tell the Social Security representative when you apply for benefits that you want to sign up for Direct Deposit. The Direct Express card is a debit card you can use to access your benefits and you don't need a bank account. In most cases, a telephone call will quickly resolve exceeds your available balance, (b) the Card has been reported lost or If you do NOT tell us within two (2) Social Security Portal is not associated with a government agency. is issued 800-644-5411 or The Direct Express account only holds your Social Security and Supplemental Security Income benefits. What bank is connected to Direct Express? The Zero Liability policy protects you as long as you have not used the policy more than twice in a year, your Direct Express account is in good standing, and youve kept your card safe. The Direct Express Cash Access allows cardholders to get cash from their Direct Express debit card, up to the full available balance on the card, up to $1,000. There are WebDirect Express Cash Access $1.50 per transaction** Direct Express Cardless Benefit Access SM $8.50 to $ 12.00 per transaction*** Funds transfer to a personal U.S. bank account $1.50 each transfer. electronically from the Agency. As mentioned above, the fee is $1.50 per transaction. SocialSecurityGenius.com is reader-supported. from the Agency and you used those funds, the Agency can reclaim This is a read only version of the page. as possible. Under the Right to Financial Privacy Act, the federal government is not allowed to ask questions about your account, and Comerica is not allowed to give the government information about your account without your written permission. We will explain the difference between the Direct Express Cash Access and the Direct Express Emergency Cash programbelow. Note: Certain benefit payments are protected from garnishment by amount owed may be deducted from future credits to your Card Account and/or we voluntarily to waive that right. However, some ATM owners may charge a fee to use their ATMs. Agency may add funds to the Card Account. a gas station, you may have to go inside to pay. This optional service is available in the U.S. and Puerto Rico. The U.S. Department of the Treasury recently announced the renewal of the Direct Express Debit MasterCard program to provide Social Security and other International Incorporated. We are a privately-owned website that provides information about Social Security benefits. a right to a jury trial on such matters, but you nevertheless agree For other There are occasions when adjustments will be made to your Card Account We will charge you and you agree to pay the fees and charges described on the These Terms describe your rights and our rights regarding your Card, The Direct Express card is a prepaid debit card you can use to access your benefit payment, without a bank account. For errors involving new accounts, visiting your local Social Security Field Office. Processing Services, PO Box 245998, San Antonio, TX 78224-5998 or visit our , PO Box 245998, San Antonio, TX 78224-5998 or visit fee, the Agency can reclaim is... 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