How Does A Direct Express Emergency Cash Work

Are you looking for a way to get emergency cash? Chances are that you are not alone. Most people have been victims of such circumstances at one time or another. From hospital bills to gas bills, there are many scenarios when you might need to look for emergency cash to cater to your needs. What happens is that emergency loans are not easy to get. Even if you get one, you might be charged high-interest rates and so forth. Other times, you might not get one due to your credit score, among other factors. To avert this situation, you should consider Direct Express Emergency Cash today.

Also known as Direct Express Cardless Benefit Access is basically a new feature that is available to Direct Express cardholders that enabled them to get cash during emergencies. Here, you will get cash advances any moment you need them. In most cases, once you apply for the cash advance, it will be available on the next day or within a maximum of 3 days of purchase. These cash advances have proved to be very convenient for most people out there.

Direct Express® Card Features

This basically refers to a prepaid debit card that is offered to federal benefit recipients who receive their benefits electronically. With this card, users can readily enjoy the conveniences that come with it. They can readily use it to buy different products and services without necessarily carrying loads of cash whenever they are making purchases. Here, you will have an opportunity to use it in stores that accept Debit MasterCard and get cash-back whenever you make purchases.

Besides the conveniences of going cashless, users also enjoy the security that comes with using this card. This is because you will not have to worry about carrying cash whenever you want to go shopping. What makes it better is that you do not need to have a bank account to sign up for the card. Also, there is no credit check or minimum balance requirement needed for one to possess the card.

It is worth noting that this card is normally issued by Comerica Bank on behalf of the United States Treasury Department. It is proved to be a good alternative to paper checks. Once you sign up to receive your federal benefits on the Social Security debit card, you will be eligible to receive your payment on a monthly basis on your payment date without having to worry about cashing your check or having it stolen or lost. Anyone who receives federal benefit payments such as Social Security, Veterans assistance or SSI, can readily enroll for this card. Besides using the card at stores that accept Debit MasterCard, you can readily use it to pay bills online.

How Does Direct Express Work?

As mentioned above, Direct Express is basically a debit card account that receives Federal benefit payments by direct deposit. Here, your federal benefit payments will be deposited on the due date, and thereafter you will have access to your money anytime you please.

In fact, you will be able to access your money 24/7.However, this normally happens in the following ways:

  • Allows you to get cash at any Automated Teller Machine or even make cash withdrawals at banks that accept MasterCard
  • The card allows you to make purchases online.
  • Allows you to pay for merchandise or service with the card and get cash-back any time you want at businesses that accept MasterCard.

The Benefits of Direct Express Emergency Cash

There are many incredible features that make Direct Express Emergency Cash a go-to-option for many people. Some of these features include:

1. Fast cash, anytime you please

With Direct Express Emergency Cash, you will be able to get cash advances anytime you please. Once you apply for a cash advance, you can be sure that you will get cash on the following day or within 3 days of purchase. One of the incredible features of Direct Express Emergency cash is that you will be able to get cash any moment you want. This makes it ideal for emergency situations.

2. You can apply for a cash advance online

Apart from the convenience of being able to get cash advance fast, you will be able to apply for this money online. Regardless of whether you are at home or at the workplace, you will be able to apply for this advance anytime you have an emergency. This feature makes it ideal for many people out there.

3. Easy loan application process

The process of loan application is quite straightforward. All you need to do is to provide your personal and credit information. After that, fill in the loan amount you want and the interest rate. Once your loan is approved, you will be able to receive a check in your email.

4. No credit score evaluation

The Direct Express Emergency Cash feature has proved to be very effective in providing cash fast without having collateral or credit cards. Apart from this, your credit history will not play a critical role in determining if you will get a cash advance or not. As long as you have a job and you are able to pay your bills on time, you are good to go. If you do not have a large debt, you will be eligible for a cash advance.

5. Short Repayment periods

The good news is that the repayment terms are quite short. Therefore, customers will be able to pay back the cash loans the moment they get their monthly paycheck. When it comes to penalties, you can relax as this is a thing of the past as far as cash advance is concerned. You will note that the lender will be collecting money from the customer and then pay it. It usually goes back to the customer once their pay period is over. As a result, consumers will be able to obtain cash advances without necessarily having to incur any additional fees.

Who Will Get Benefit From Direct Express Emergency Cash?

If you belong to any of the below-mentioned category of people, you will be eligible for the Direct Express Emergency Cash program:

  • If your Direct Express card was stolen or lost, and your card was canceled and is waiting for a new one to come soon, and you need cash now, you will be able to benefit from this program.
  • Those whose cards have expired and are waiting to renew them, but they need urgent cash.
  • If you have ordered for a replacement Direct Express debit card and you need cash at the moment.

How to Get Emergency Cash from Direct Express?

If you want to get emergency cash from Direct Express, you can readily collect your money at any MoneyGram location in the U.S. Virgin Islands or Puerto Rico. Also, nearly all Walmart locations have MoneyGram centers. Therefore, you will have an easy time whenever you need emergency cash.

Direct Express Emergency Cash Fees

Cardholders are entitled to one free ATM cash withdrawal per deposit per month. Here, Comerica will charge $0.85 for each ATM withdrawal. It is important to note that users might face surcharges at certain ATMs. Other fees include a $0.50 charge for each online bill payment and a $0.75 fee to receive a paper statement every month.

For emergency cash, a fee of $8.50 to $12.00 per transaction is charged. This happens when you need an emergency cash of $500 and $1000, respectively. To transfer funds to a U.S bank, you will be charged $1.50.Finally, if you want your new card to be delivered at night, you will have to part with $13.50.

Most Common Questions & Answer

How Do I Withdraw Money from My Direct Express Card Without My Card?

Unfortunately, you cannot withdraw money from Direct Express without the card. You will note that the only way to withdraw cash is at an ATM or obtain cashback at a retail location. Better still, by visiting any bank or credit union that displays the MasterCard acceptance mark. These are the only ways you can get cash using this debit card.

Does Direct Express Have An App?

Yes. Direct Express now has an app known as Direct Express Mobile app which is now free and compatible with all new cards (Identified by numbers beginning with 5115).

Does Direct Express Charge For Emergency Cash Advance?

Yes. This fee is normally referred to as a surcharge or ATM owner fee. However, you might refuse the feel and choose another ATM or accept the fee, which will eventually be charged to your card account.

Can I Overdraft My Direct Express Card?

Unlike a normal checking account, the Direct Express card cannot be overdrawn. Therefore, if your card has insufficient funds, the payment will be denied.

Can You Transfer Money From Direct Express To Bank Account?

Yes. It is possible for you’re to transfer funds from your Direct Express card account to a personal U.S bank account. Here, a fee of $1.50 will be deducted from your Direct Express card account for each of the transfers you will make. To transfer these funds, you can call the Direct Express Card toll-free Customer Service Department number on the back of the card. Better still, you can log in to your account and perform these transactions.

Can I Transfer Money from My Direct Express Card to another Card?

Unfortunately, you cannot transfer money from your Direct Express card to another card. However, it is possible to transfer funds from your Direct Express card account to a personal U.S bank account only.

What Bank Is Associated With Direct Express?

The Direct Express Debit MasterCard is usually issued by Comerica Bank, pursuant to a license by MasterCard International Incorporated.

Does Direct Express Have A Routing and Account Number?

It is worth noting that Direct Express does not make account and routing numbers publicly available for their cards. You will be assigned an account number, and Comerica Bank, which is the car’s issuer, does have a routing number. However, you will not need the routing number. All you need to do is to sign up and then activate your card.

Will Stimulus Checks Be Deposited On Direct Express Card?

If by any chance you did not file a 2019 or 2018 tax return, the IRS will use the information provided by the SSA to help generate your stimulus check. Mostly, the representative payees will get paid the same way they get their monthly benefit checks, either by Direct Express debit card, direct deposit, or check.

Can Direct Express Freeze My Account? 

No. Treasury states that the bank operating the Direct Express system, Comerica will not allow a freeze or garnishment of the accounts. However, this your account might be frozen if the funds are not exempt under federal law, such as when there are attempts to seize the Social Security payment to repay your child’s support or alimony.

Final Recap

With Direct Express Emergency Cash, you do not have to struggle to look for emergency funds. All you need to do is to apply for a cash advance, and within a short period, you will have money to cater to your needs. The process of loan application is simple and straightforward. Interestingly, your credit score does not play a role in determining if you get a cash advance or not. This makes it a better option for those who have a bad credit score. Consider Direct Express Emergency Cash feature today, and you will enjoy more convenience.

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