Direct Express Card

How to avoid ATM fees on Your Direct Express Card

If you have a Direct Express card and would like to avoid ATM fees, we can help you. In this post, we will list the various ways you can avoid ATM fees on Your Direct Express Card.

How to avoid ATM fees on Your Direct Express Card

As a Direct Express Cardholder, you can get cash from any ATM worldwide that displays the MasterCard logo.

This includes ATMs at grocery stores, drug stores and pharmacies, restaurants, department stores, gas stations, and doctors’ offices.

Some ATMs come with a surcharge fee, in addition to other fees you may be charged by the card issuer for using your card at an ATM.

To locate the nearest MasterCard ATM, click on the MasterCard logo below. For Surcharge-free MasterCard ATMs, click on “View More Option” and “Select Features – Optional.”

Surcharge-Free ATMs

One way to save money and avoid paying fees with your Direct Express card is to use in-network ATMs.

Your Direct Express debit card comes with a list of in-network ATMs that are available to you surcharge-free.

If you use an in-network ATM, you can withdraw cash without being charged a fee – provided you have not exceeded your free ATM withdrawal limit for the month.

Here are the in-network ATMs for Direct Express:

Click on any one of the brand logos below for instructions on how to locate the nearest surcharge-free ATM.

Comerica Bank

PNC Bank

MasterCard ATM Alliance

Alliance One 

Privileged Status (Shazam)


Citizens Bank

Using an in-network ATM to withdraw cash from your Direct Express card is not the only way to avoid fees.

Here are some other helpful ways to avoid ATM fees:

Limit your ATM withdrawals

As a Direct Express cardholder, you are allowed one free ATM withdrawal for each federal benefits deposit to your account every month.

If your only deposit is your monthly Social Security or Supplemental Security Income payment, then you are entitled to one free ATM withdrawal per month.

After that, you will be charged 85 cents for each additional time you make an ATM withdrawal.

Get cashback at participating stores

You can use your Direct Express debit card to get cashback at participating stores that accept MasterCard.

Many retailers, including grocery stores and pharmacies, will give you the option to get cashback if you pay for your purchase with a debit card, including the Direct Express Debit MasterCard.

Use the Direct Express App

You can use the Direct Express mobile app to locate surcharge-free ATMs, in addition to checking your card balance and viewing your transaction history.

The app is available for both Apple and Android devices.

Once you have downloaded the app, you will be able to use it to find the closest surcharge-free ATM. You can also use the mobile app to find the closest retailer that offers cashback with a purchase.

How to avoid ATM fees on Your Direct Express Card Summary

We hope this post on the How to avoid ATM fees on Your Direct Express Card was helpful.

If you have further questions about Direct Express Card, Social Security or Disability benefits, please let us know in the comments section below.

Be sure to check out our other articles on Social Security and Direct Express, including Top Questions and Answers on Direct Express


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