How it Works

About Direct Express®

Fast, Convenient, and Secure

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Your federal benefits will be automatically deposited to your prepaid debit card account on the payment day. By choosing Direct Express® you have chosen a fast, convenient, and secure way to receive your benefit payments.

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How It Works

01

Get Cash Back

Make Purchases and Get Cash Back at Stores

  • Present your card when paying for an item. The cashier will ask for your signature or for you to enter your PIN.
  • Use your card at the checkout and follow the prompts on the screen.
  • There is no fee to get cash back with purchase at participating merchants.
  • Enter the cash back amount on the keypad or tell the cashier the amount of cash you need.
  • The amount of your purchase plus any cash back will be deducted from your card account balance.
  • You can not spend more than the amount of funds in your account.
02

Make Spending Easy

The Direct Express® Debit MasterCard® card is accepted at merchant and bank locations worldwide. You can use your card wherever the MasterCard® acceptance mark is displayed, which may include:

  • Grocery Stores
  • Drug Stores and Pharmacies
  • Gas Stations
  • Doctors' Offices
  • Restaurants
  • Department Stores
03

Learn with PayPerks

PayPerks is a rewards program that allows you to earn points by taking online tutorials to help you make smart financial decisions. Each point you earn on PayPerks is a chance to win one of many monthly cash prizes. You can earn hundreds of points every month by:

  • Learning how to keep more of your benefit payment
  • Discovering tips to get the most from your Direct Express® card
  • Telling your friends, family and colleagues about PayPerks