If you are eligible for Social Security Disability Insurance benefits, you want to receive your benefits as quickly and easily as possible. While you certainly can wait for a paper check to arrive in the mail, there are faster ways to receive payment. Direct deposit into your existing checking or savings account is a common one.
You do not have to have an existing bank account to receive an electronic payment, though. Indeed, according to the Social Security Administration, it is possible to sign up for a prepaid debit card that is not linked to your bank account, the Direct Express Mastercard debit card.
How does the Direct Express debit card work?
The Direct Express card works the same as any debit card. Specifically, you can use your Direct Express card to make in-person or online purchases and pay bills. You also can use your card to make ATM withdrawals, although some withdrawals may come with ATM fees. If you use certain ATMs, however, you might be able to access your funds without paying any fees.
How do you sign up for a Direct Express card?
You have a few options for signing up for a Direct Express card, including calling a toll-free number or using a website. If you do not feel comfortable with either of these, the SSA also can assist you with the enrollment process. Moreover, if you are unhappy with your Direct Express card, you can change the way you receive benefits in the future by visiting an SSA office, using the SSA website or calling the SSA.
Ultimately, because there are both advantages and drawbacks with the Direct Express card, you should be sure you fully research the card before signing up for one.