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FDIC: Unbanked Households, Prepaid Cards, and the Use of Cash

February 25, 2026 FDIC research completed in 2024  takes a close look at an important but often oversimplified group: unbanked households. Rather than... Read More FDIC: Unbanked Households, Prepaid Cards, and the Use of Cash
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Cutting Costs, Not Benefits: How Direct Express® is Saving Money for Taxpayers and Recipients Alike

February 11, 2026 For more than a decade, the Direct Express® program has helped modernize the delivery of federal benefit payments, particularly for... Read More Cutting Costs, Not Benefits: How Direct Express® is Saving Money for Taxpayers and Recipients Alike
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New Year, New Peace of Mind: Getting Organized with Direct Express®

January 26, 2026 January is National Get Organized Month, a time when many people look for ways to simplify their lives and reduce... Read More New Year, New Peace of Mind: Getting Organized with Direct Express®
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Government Financial Capability Resources

January 13, 2026 Alongside the financial capability inherent in possession of a network branded prepaid debit card, Direct Express® looks to build cardholder... Read More Government Financial Capability Resources
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The Demographics of Direct Express®

December 23, 2025 Focus on California In the second of a series of posts detailing comparative numbers of cardholders by state and region,... Read More The Demographics of Direct Express®
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Refining the Definition of the Unbanked (Federal Reserve Paper)

December 12, 2025 A recent paper circulated as part of the Federal Reserve’s Finance and Economics Discussion Series (FEDS) is intended to stimulate... Read More Refining the Definition of the Unbanked (Federal Reserve Paper)
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Expanding Self-Service Options for Direct Express® Cardholders

November 21, 2025 Enhancing Customer Service Through Innovation The Direct Express® program provides federal benefit recipients with a secure, convenient way to receive... Read More Expanding Self-Service Options for Direct Express® Cardholders
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Honoring our Veterans

November 11, 2025 Every year, we are reminded that a  large number of U.S. Military Veterans receive their benefits payments from both the... Read More Honoring our Veterans
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Direct Express® and Hurricane Season

October 14, 2025 In September 2024, Hurricane Helene, a devastating tropical cyclone, caused widespread catastrophic damage across the Southeastern United States. It was the strongest... Read More Direct Express® and Hurricane Season
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Digital Wallets, Tokenization and Direct Express®

September 26, 2025 A recent survey by McKinsey & Company found that roughly nine in ten consumers in both the United States and... Read More Digital Wallets, Tokenization and Direct Express®
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Direct Express® Program Improves Treasury Efficiency and Effectiveness

September 10, 2025 By Marshall Henry, Bureau of the Fiscal Service. In 1975, the U.S. Treasury issued over 700 million paper checks to... Read More Direct Express® Program Improves Treasury Efficiency and Effectiveness
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Lack of Digital Access Contributes Significantly to Unbanked Status

August 27, 2025 A research paper published earlier this year by the Philadelphia Fed explores the factors associated with unbanked status among U.S.... Read More Lack of Digital Access Contributes Significantly to Unbanked Status
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Fiscal Data Available from US Treasury (fiscaldata.treasury.gov)

August 7, 2025 Understanding the place that Direct Express® occupies in US government benefits distribution system and the place that the benefits distribution... Read More Fiscal Data Available from US Treasury (fiscaldata.treasury.gov)
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Understanding the Schedule for Social Security Benefit Payments

June 25, 2025 Every year the Social Security Administration issues a publication laying out the Schedule of Social Security payments for the year. This... Read More Understanding the Schedule for Social Security Benefit Payments
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Federal Benefits Accessible via Direct Express®

June 19, 2025 The Direct Express® program launched more than 16 years ago when it began electronically issuing benefit payments to Social Security... Read More Federal Benefits Accessible via Direct Express®
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Fraud and Scams in the Era of Instant Payments

June 3, 2025 The financial ecosystem faces a complex balancing act: maintaining the convenience that makes digital payments revolutionary while building safeguards against... Read More Fraud and Scams in the Era of Instant Payments
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Modernizing Payments: White House Executive Order (March 25, 2025)

May 13, 2025 A recent White House Executive Order (EO) mandates the transition to electronic payments for all federal disbursements and receipts by... Read More Modernizing Payments: White House Executive Order (March 25, 2025)
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What is Financial Capability?

April 10, 2025 April is Financial Capability Month, originally called Financial Literacy Month. It has been commemorated annually since the U.S. Senate recognized... Read More What is Financial Capability?
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A Look at the Direct Express Financial Education Center

March 27, 2025 In addition to the safe and cost-effective delivery of benefits, the program also provides cardholders with access to financial education... Read More A Look at the Direct Express Financial Education Center
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Meet Cardholder Rosalind [VIDEO]

March 14, 2025 Cardholder Rosalind, from Pennsylvania, discusses her Direct Express® card. SOURCE: Direct Express® Read More Meet Cardholder Rosalind [VIDEO]
Direct Express2026-02-25T19:13:17+05:00

FDIC: Unbanked Households, Prepaid Cards, and the Use of Cash

Direct Express2026-02-25T19:13:17+05:00February 25th, 2026|

FDIC research completed in 2024  takes a close look at an important but often oversimplified group: unbanked households. Rather than treating the unbanked as one group, the report distinguishes between households that are entirely cash-only [...]

Direct Express2026-02-11T19:27:50+05:00

Cutting Costs, Not Benefits: How Direct Express® is Saving Money for Taxpayers and Recipients Alike

Direct Express2026-02-11T19:27:50+05:00February 11th, 2026|

For more than a decade, the Direct Express® program has helped modernize the delivery of federal benefit payments, particularly for recipients without access to traditional banking. As the government continues to phase out paper checks, [...]

Stories

THESE STORIES FEATURE REAL DIRECT EXPRESS® CARDHOLDERS WHO HAVE GRANTED THEIR PERMISSION FOR THEIR PICTURES, QUOTES AND STORY TO APPEAR ON THIS SITE. THE DIRECT EXPRESS® TEAM NEVER SHARES PERSONAL INFORMATION WITHOUT EXPLICIT PERMISSION OF THE CARDHOLDER.

  • Cardholder Story #1 Rosalind, Pennsylvania [VIDEO] Gallery

    Cardholder Story #1 Rosalind, Pennsylvania [VIDEO]

    Case Studies

Cardholder Story #1 Rosalind, Pennsylvania [VIDEO]

Direct Express®2023-06-13T23:26:53+05:00Categories: Case Studies|

“I receive social security and VA Disability. Using my Direct Express® card helps me to budget my money and keep track of it more efficiently” Greater Control & Security

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  • Cardholder Story #2 Garry, Florida [VIDEO] Gallery

    Cardholder Story #2 Garry, Florida [VIDEO]

    Case Studies

Cardholder Story #2 Garry, Florida [VIDEO]

Direct Express®2023-06-13T23:29:38+05:00Categories: Case Studies|

“I’m a Navy and Vietnam veteran. I’ve received the card for about six years now. The card saves time. It’s more convenient – I don’t carry cash because I’ve gotten used to carrying the Direct Express® card – so I really don’t need [cash]” A Better Budgeting Tool

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  • Cardholder Story #3 Elizabeth, Florida [VIDEO] Gallery

    Cardholder Story #3 Elizabeth, Florida [VIDEO]

    Case Studies

Cardholder Story #3 Elizabeth, Florida [VIDEO]

Direct Express®2023-06-13T23:20:09+05:00Categories: Case Studies|

“I’m retired and have a disability and a supplemental insurance payment that comes [on the Direct Express® card]. This card helps me a lot. It makes so many times in the month when I don’t have to worry about having cash, or getting cash where it needs to be on time.” Confidence, Comfort & Convenience

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References Download
Direct Express® Glossary of Terms
Direct Express® Fact Sheet (2022)
FDIC Unbanked Survey 2017
US Financial Health Pulse 2019 Trends Report
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directexpressinfo Follow 363 704

Sharing information for policymakers, government officials, journalists & others professionally interested in the Direct Express® program #fiscalresponsibility

directexpress__ directexpress__ avatar directexpressinfo @directexpress__ · 13h 2026662941676708164

Report by @FDICgov takes a closer-than-usual look at #unbanked Americans and their use of prepaid cards and cash #directexpress

Direct Express

FDIC research completed in 2024  takes a close look at an important but often oversimplified group: unbanked househ...

directexpress.info

Reply on Twitter 2026662941676708164 Retweet on Twitter 2026662941676708164 0 Like on Twitter 2026662941676708164 0 X 2026662941676708164 directexpress__ avatar directexpressinfo @directexpress__ · 16 Feb 2023439312193568879

Cutting Costs, Not Benefits: How @USDirectExpress Saves Money for Taxpayers and Recipients Alike

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Direct Express

For more than a decade, the Direct Express® program has helped modernize the delivery of federal benefit payments, ...

directexpress.info

Reply on Twitter 2023439312193568879 Retweet on Twitter 2023439312193568879 0 Like on Twitter 2023439312193568879 0 X 2023439312193568879 directexpress__ avatar directexpressinfo @directexpress__ · 11 Feb 2021593346972557746

How @usdirectexpress saves money for taxpayers and beneficiaries alike #financialcapability #fiscalresponsibility

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Direct Express

For more than a decade, the Direct Express® program has helped modernize the delivery of federal benefit payments, ...

directexpress.info

Reply on Twitter 2021593346972557746 Retweet on Twitter 2021593346972557746 0 Like on Twitter 2021593346972557746 0 X 2021593346972557746 Retweet on Twitter directexpressinfo Retweeted USDirectExpress avatar Direct Express® card @USDirectExpress · 31 Mar 1906754995560542442

📢 Don't forget: at the beginning of the month, you may experience extended call wait times. 🕰️ You can access balance information, transaction history, and ATM locators 24/7 on the DX mobile app and at http://directexpress.treasury.gov.

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