The SSDI Direct Express card has advantages and drawbacks

If you qualify for Social Security Disability Insurance benefits, you may have the option of receiving your monthly payments on a prepaid debit card. This card, which comes from Direct Express, functions like many other debit cards. 

You may use the card to access ATMs, to pay bills online or to buy items in stores that accept debit cards. Before choosing the Direct Express card, though, should understand its advantages and drawbacks. 

Advantages of the Direct Express card

Arguably, the biggest advantage to choosing the Direct Express debit card is receiving SSDI funds without having a checking or savings account. After securing approval for SSDI benefits, your funds automatically appear on the card on your scheduled payment date. 

Furthermore, the Direct Express card may be more secure than a traditional check. That is, you do not have to worry about someone stealing your check from your mailbox. You also do not have to worry about the post office losing your check or delaying its delivery. 

Drawbacks of the Direct Express card

While the Direct Express card may be a convenient way to receive your SSDI benefits, it is not without problems. For example, card users routinely report difficulty finding an in-network ATM that allows free cash withdrawals. 

Consequently, when using your card, you may have to pay as much as $5 to withdraw funds. 

If you lose your Direct Express card, you may also have trouble replacing it. Reaching customer service often requires spending a long time on hold. If you get through, which you may not, the representative may have insufficient information to answer your questions or address your concerns. 

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