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Get Your PaymentsElectronicallySSA.gov
If you get Social Security benefits, you mustreceive your payments electronically. Youcan do so by signing up for direct deposit,which sends payments directly into yourbank account. Or, you can have yourbenefits automatically deposited into yourDirect Express Debit MasterCard account.Direct depositDirect deposit is a simple, safe, and secureway to get benefits. If you wish us to sendyour payment to a bank or credit unionaccount, you must have all of the followinginformation when you apply: Your Social Security number. Financial institution’s routingtransit number. Account type (checking or savings). Account number.Contact your bank to help you sign up fordirect deposit. Or, sign up through SocialSecurity.You may also call Go Direct at1-800-333-1795 (English) and1-800-333-1792 (Spanish) to sign up fordirect deposit. Please note that Go Direct is only available for beneficiaries receivingbenefits by check.What is the DirectExpress card?The Direct Express card is a prepaiddebit card you can use to access yourbenefit payments. And you don’t needa bank account.1
With the Direct Express card program, wedeposit your federal payment directly intoyour card account. Your monthly funds willbe available on your payment day — ontime, every time. You can use the card tomake purchases, pay bills, or get cash atthousands of locations.And most transactions are free.The Direct Express card is both safer andmore convenient than paper checks. Anyonereceiving Social Security or SupplementalSecurity Income payments can enroll, evenif they don’t have a bank account. You nolonger have to wait for the mail or worryabout lost or stolen checks.Why should I sign up forelectronic payments? Safety. There’s no risk of lost or stolenchecks. When reported promptly, yourmoney is protected, even if your DirectExpress card is lost or stolen. Ease. Your money is automaticallyposted to your bank account or to yourDirect Express card account on yourpayment day each month. You won’thave to wait for the mail to arrive. Convenience. You don’t need to makea trip to cash or deposit a check. WithDirect Express , make purchasesanywhere a Debit MasterCard isaccepted. Use your card to get cash backwith purchases at retail locations, banks,and ATMs throughout the country.2
How do I use the DirectExpress card?The Direct Express card is simple andeasy to use. You can use it to: Make purchases. Present your cardwhen paying at any location thataccepts Debit MasterCard . Themoney is automatically deductedfrom your balance. Get cash. Get cash at ATMs, banks,or credit unions. Or, get cash back withpurchases at many retail locations. Pay Bills. A one-time set up of yourmonthly bills for automatic payment. Youcontrol when and how much is paid foreach bill. Pay your utilities, phone, cableTV, and more.How secure is the DirectExpress card?The Direct Express card offers benefits thatmake it safer and more secure than checks. A personal identification number protectsyour account. Your card account has federalconsumer protection, and your moneyis FDIC insured. If your card is lost or stolen, itwill be replaced.Can I use the Direct Express card without any fees?Yes, you can use your card for free. Thereis no sign-up fee and no monthly accountfee. Many other services are provided free ofcharge, including:3
Purchases at retail locations, cash backwith purchases, or cash withdrawalsthrough bank or credit union tellers. One ATM cash withdrawal for eachdeposit posted to your account eachmonth when using a Direct Express card network ATM. Optional notification of deposits to yourdebit card by phone, email, or textmessage at no cost. Optional low balance alert when youraccount balance falls below a certainlevel at no cost. Use a mobile app. The DX DirectExpress mobile app (DX mobile app)is an application available on iPhone andAndroid smartphones that allows DirectExpress Debit MasterCard cardholdersto access their balance and transactionhistory, locate ATMs, and set up lowbalance and deposit alerts. Access to the toll-free customer servicenumber or website, 24 hours a day,seven days a week.Are there any fees?There are fees for a limited number oftransactions and services. See the chart onthe next page for more information.4(over)
ServiceFeeATM cash withdrawal,surcharge may applyCash at any WalmartMoney Center orCustomer Service Desklocated in the UnitedStates. No purchaserequired.Monthly paper statementmailed to youFunds transfer toa personal U.S.bank account 0.85 each withdrawal* .85 each time 0.75 each month 1.50 each time 4 after one freeeach yearCard replacementOvernight delivery ofreplacement cardInternational ATM cashwithdrawal — currencyconversion fee (3%) willbe addedInternational transactionoutside U.S. — currencyconversion fee (3%) willbe added 13.50 each time 3 plus3% for each withdrawal3% for each transaction* You get one free ATM withdrawal per payment as longas you use an ATM in the Direct Express network.How do I sign up forelectronic payments?It’s quick and easy to get benefitselectronically. First, you can contact theTreasury Electronic Payment SolutionContact Center at 1-800-333-1795 orsign up with them at www.GoDirect.gov.You can also sign up with a personalmy Social Security account.5
You can create a my Social Securityaccount if you’re age 18 or older, have aSocial Security number, a valid U.S. mailingaddress, and an email address. To create anaccount, go to www.ssa.gov/myaccount.You’ll need to provide some personalinformation to confirm your identity; you’ll beasked to choose a username and password;then you’ll be asked for your email address.You’ll need to select how you would liketo receive a one-time security code — toa text-enabled cell phone or to the emailaddress you registered — that you will needto enter when you create your account. Eachtime you sign in with your username andpassword, we will send a one-time securitycode to your cell phone or to your emailaddress. The security code is part of ourenhanced security feature to protect yourpersonal information. Keep in mind that yourcell phone provider’s text message and datarates may apply.You can use your my Social Security accountto get a benefit verification letter, to checkyour earnings and work record, and in somestates request a replacement Social Securitycard. If you receive retirement, survivors, ordisability benefits, you can also: Change your address and phone number. Start or change your direct deposit. Request a replacement Medicare card. Print a replacement SSA-1099 orSSA-1042S for tax purposes.Contacting Social SecurityThe most convenient way to do businesswith us from anywhere, on any device, is tovisit www.ssa.gov. There are several things6
you can do online: apply for benefits; getuseful information; find publications; and getanswers to frequently asked questions.When you open a personalmy Social Security account, you have morecapabilities. You can review your SocialSecurity Statement, verify your earnings,and get estimates of future benefits. Youcan also print a benefit verification letter,change your direct deposit information,request a replacement Medicare card, get areplacement SSA-1099/1042S, and request areplacement Social Security card (if you haveno changes and your state participates).If you don’t have access to the internet, weoffer many automated services by telephone,24 hours a day, 7 days a week. Call ustoll-free at 1-800-772-1213 or at our TTYnumber, 1-800-325-0778, if you’re deaf orhard of hearing.A member of our staff can answer your callfrom 7 a.m. to 7 p.m., Monday through Friday.We ask for your patience during busy periodssince you may experience a high rate of busysignals and longer hold times to speak to us.We look forward to serving you.The Go Direct and Direct Express logos, Go Direct ,and Direct Express are registered service marks of theU.S. Department of the Treasury, Bureau of the FiscalService (used with permission). The Direct Express Debit MasterCard card is issued by Comerica Bank,pursuant to a license by MasterCard InternationalIncorporated. MasterCard and MasterCard BrandMark are registered trademarks of MasterCardInternational Incorporated.Social Security AdministrationPublication No. 05-10073December 2020 (Recycle prior editions)Get Your Payments ElectronicallyProduced and published at U.S. taxpayer expense
through bank or credit union tellers. One ATM cash withdrawal for each deposit posted to your account each month when using a Direct Express card network ATM. Optional notification of deposits to your debit card by phone, email, or text message at no cost. Optional low balance alert when your account balance falls below a certain
