What Is Direct Express Cardless Benefit Access?

Direct Express Cardless Benefit Access (formerly known as Direct Express Emergency Cash) is a service that allows customers to withdraw funds if they lose their Direct Express MasterCard debit card. 

The cardless benefit access is an optional service and includes a fee. The fee for Direct Express cardless benefit access ranges from $8.50 to $12 depending on the transaction amount requested.

If your Direct Express card is lost or stolen, you should call the Direct Express card toll-free customer service number written on the back of your card as soon as possible. A customer service representative will assist you and send you a replacement card. 

It usually takes between 7 and 10 days for a replacement card to arrive in the mail. You can also request Direct Express to ship the card via FedEx or UPS for an additional fee. In the meantime, you can use Direct Express Cardless Benefit Access to withdraw funds.

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Benefits To The Client

Direct Express Cardless Benefit Access allows you to withdraw cash without a card. That means that if you lose your Direct Express card but still have funds on your account, you don’t have to wait for a replacement card to arrive to make payments. 

Another advantage of the Direct Express Cardless Benefit Access service is that you can use it even outside of your home state. Direct Express Cardless Benefit Access is available in the United States, U.S. Virgin Islands, and Puerto Rico. 


  • Learn more about what to do when your Direct Express card is lost.
  • Discover more about how Direct Express’s Emergency Cash program works.

Issues With Direct Express Cardless Benefit Access service

Many cases of fraudulent activity related to the Cardless Benefit Access service have been reported in the past few years, with fraudsters frequently exploiting security flaws in the service and draining customers’ accounts. 

Get Direct Express reviews here if you’re researching whether or not the card is right for you.

Need Burial Insurance?

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