FAQs - Direct Express®

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Most services are free. There is no cost to sign up for the card and there are no monthly fees. While there are fees for a limited number of optional transactions, it is possible to use the card for free.

The complete fee table is listed below:

Standard Free Services
Service Fee
Purchases at U.S. merchant locations Free
Cash-back with purchase Free
Automatic deposit notification* Free
Automatic low balance notification* Free
Web account access Free
ATM balance inquiry Free
ATM denial Free
Customer Service calls Free
Cash from bank tellers Free
Card replacement - One per year Free
Mobile Application - manage your Direct Express account; convenient, secure (for Android and Apple devices) Free
ATM cash withdrawal in the U.S. including the District of Columbia, Guam, Puerto Rico, and U.S. Virgin Islands (surcharge by ATM owner may apply) One(1) free withdrawal with each deposit to your Card Account**

*The cardholder can request this service any time after receiving the debit card.

** For each federal government deposit to your card account, Direct Express® will waive the fee for one ATM cash withdrawal in the U.S. The fee waiver earned for that deposit expires on the last day of the following month in which the deposit was credited to the card account.

The ONLY Fees You Can Be Charged
Optional Service Service Fee
ATM cash withdrawal in U.S. including the District Columbia, Guam, Puerto Rico, and U.S. Virgin Islands (after free transactions are used a surcharge by ATM owner may apply) $0.85 each withdrawal (after free transactions are used) $0.85 each withdrawal (after free transactions are used)
Direct Express Cash Access $0.85 per transaction ***
Monthly paper statement mailed to you $0.75 each month
Funds transfer to a personal U.S. bank account $1.50 each time
Card replacement $4.00 after one (1) free each year
Expedited delivery of replacement card $13.50 each time
ATM cash withdrawal outside of the U.S. - Surcharge by ATM owner may apply $3.00 plus 3% of amount withdrawn
Purchase at merchant locations outside of the U.S. 3% of purchase amount

***Available at the Walmart Money Services or Walmart Customer Service Desk for stores located in the U.S. No additional Walmart fees apply. Additional authorized retailers may be offered in the future.

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