How to Use USDirectExpress Card at Direct Express ATM?

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Using your US Direct Express ATM is as simple as inserting your express card into the ATM, entering your PIN, and withdrawing the desired amount of money. Be careful in selecting the correct type (Savings or Checking) at the beginning.

You should be delighted to know that there is a surcharge-free Direct Express ATM network in which you can access over 50,000 ATMs across the country, free of charge.

This includes Charter One, Alliance Once, Comerica Bank, PNC Bank, MoneyPass, Privileged Status, and MasterCard ATM Alliance. Look out for these logos to locate surcharge-free ATMs.

Your card will be accepted at places without these logos also, but that might include surcharges.


How to Avoid Fees In A Non-Surcharge-Free Network US Direct Express ATM?

Here are a few tricks to avoid fees if you are far away from a surcharge-free network ATM:

  • See if you can make your SSI payment directly with your Express card instead of withdrawing cash from the ATM.
  • If there’s a Bank or Credit Union that accepts MasterCard nearby, go get cash from the teller without charges.
  • Don’t miss out on cash back offers whenever they are available.


USDirectExpress ATM Withdrawal Limit Per Transaction

Most ATM owners have set a limit on how much you can withdraw; ranging from $200 to $1,000. However, there are no limits at Comerica Bank ATMs.


Fees At out-of-network USDirectExpress ATMs

Fees will vary depending on the policies adopted by different ATM owners. As a rule, however, all ATM owners should display the amount of fee you will be charged (if any) for using their services, before processing your request.

This way you will have the option to decide whether or not you want to continue with the transaction. If you do decide to continue, the fee will be deducted from your Direct Express account.

Click here kindly to locate network ATMs or call Direct Express Customer Service directly at the Direct Express number: 1-888-741-1115.


US Direct Express ATMs for Free

Let us now shift our focus towards ATMs that offer services for free.

These are network ATMs owned and run by Banks or network brands. Look out for the images (given below) at the ATM.


Please go through the links given below, to locate no-fee ATMs closest to you.

Comerica Bank

Charter One

Privilege Status

Alliance One

PNC Bank


MasterCard ATM

There is one more way where you can use your Express card (outside the US Direct Express surcharge-free ATM network) and not pay fees. For this, you will have to approach retailers for Cash Backs.

There are many retailers who provide cash backs for the purchases you make. You can find this service at most pharmacies and grocery stores; confirm with the retailer at the time of purchase.

Click here to learn about other fees associated with your US Direct Express Card. Or for more information about USDirectExpress, you can read the post guide.