With the prepaid cards market exploding, it’s easy to forget that one of the larges issuers of prepaid debit cards is the United States Government. Through various programs like unemployment benefits, food stamps and social security benefits. One of the most prominent debit cards issued by the government is the social security benefits direct express prepaid. It is currently used by millions of people on social security to make payments, shop online and get cash at the teller. Here are 3 questions people ask about this debit card.
Most Asked Questions about Direct Express Prepaid Card
The first question most often asked about this card is regarding fees. How much are the fees to the direct express card? This question is justified because prepaid cards are generally known to carry a lot of fees. There are many free transactions with this card, including the following:
Purchases you make at United States based merchants are free. If you buy something at the grocery store or pharmacy and get cash back, you will not be charged anything. Unlike some prepaids out there, you will not be charged any fee for calling customer service. Things like getting balance notifications or website access to your account or getting a notification when money has been deposited on your account are all free. Also, if you lose your card, you get one free replacement card each year. When you go to the ATM to check your card balance, it is also without a charge. So as you can see, the basic services you need to manage your account come with no charge. You can see from the image above that the charges and fees are very reasonable and are only being collected on services that you would expect a fee to be collected. Therefore social security debit card fees should not scare you from getting one because compared to the other prepaids out there, this is a winner.
2. ATM Network
There is an extensive ATM network that supports this prepaid debit card. This includes the networks listed in the image above, like Money Pass, MasterCard ATM Alliance, PNC Bank, Alliance One, Comerica Banks own ATM network, Charter Ones’s ATms and Privileged Status network. All you have to do is find one of these signs on the ATM and you are good to go. There are charges you have to pay if you go outside this network of free ATMs so be sure to check and make sure the one you are using is among the free ones.
3. Direct Express Customer Service and Complaints
One of the reasons most seniors get suspicious of this card versus using a traditional bank account is the issue of customer service. Direct Express Customer Service and Support is actually one of the best among the prepaid cards issued by the federal government. And we think that is a very wise approach because unlike the unemployment, food stamps, child support and other government prepaid programs, any debit program aimed at seniors must have excellent support that is staffed by people that are patient and want to help. Especially if it also requires that seniors go online to use services like bill pay, online shopping, checking balances on direct express card and many more services that can be performed online. If seniors log in and are not able to navigate the platform, they are going to be calling customer support services and need immediate help, otherwise there will be panic, and justifiably so since seniors are used to expect people to try to take advantage of them. So, as you can see, the social security debit card questions that are most frequently asked have been adequately addressed in this post.