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Submission: On October 16 via api from US — Scanned from DE
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<form class="login-info text-center">
<fieldset>
<legend class="sr-only">login to your account</legend>
<div class="container">
<header class="header animated" data-view="opacity">
<h2>Please Select the Starting Number of Your Card</h2>
<p>Log in to check your balance, view account activity, transfer funds, and use a variety of additional services.</p>
</header>
<div class="row col-holder">
<div class="clearfix card-holder">
<div class="col-xs-12 col-sm-6 card-col animated" data-view="slideInLeft">
<div class="label-holder">
<div class="img-holder">
<label for="card-2"><span class="sr-only">Select card 1</span></label>
<img src="images/img2.jpg" width="422" height="264" class="img-responsive center-block" alt="Direct Express Card 2">
</div>
<div class="footer clearfix">
<div class="pull-left">
<span class="nice-radio">
<input type="radio" name="card-selection" id="card-2" data-href="https://web.usdirectexpress.com?translateTo=EN">
<span class="area"> </span>
</span>
<label for="card-2" class="number">5332 48</label>
</div>
<ul class="list-inline pull-right links">
<li><a href="javascript:void(3)" data-toggle="modal" data-target=".TNC-533">Terms
of Use</a></li>
</ul>
</div>
</div>
</div>
<div class="col-xs-12 col-sm-6 card-col animated" data-view="slideInRight">
<div class="label-holder">
<div class="img-holder">
<label for="card-1"><span class="sr-only">Select card 2</span></label>
<img src="images/img1.jpg" width="422" height="264" class="img-responsive center-block" alt="Direct Express Card 1">
</div>
<div class="footer clearfix">
<div class="pull-left">
<span class="nice-radio">
<input type="radio" name="card-selection" id="card-1" data-href="https://cma-ch.mycardplace.com/cholder/welcome.action?request_locale=en" data-url="https://static">
<span class="area"> </span>
</span>
<label for="card-1" class="number">5115 63</label>
</div>
<ul class="list-inline pull-right links">
<li><a href="javascript:void(1)" data-toggle="modal" data-target=".TNC-511">Terms
of Use</a></li>
</ul>
</div>
</div>
</div>
</div>
<div class="col-xs-12 btn-holder">
<span class="card-selection-msg">Please select a card first</span>
<button type="submit" class="btn btn-default hidden">PROCEED TO LOGIN <span class="icon-arrow-right"></span></button>
<a href="javascript:void(0)" class="btn btn-default" data-type="submit">PROCEED TO LOGIN
<span class="icon-arrow-right"></span></a>
</div>
</div>
</div>
<div class="notice" id="notices-block" aria-expanded="false" role="note">
<button class="btn btn-default" type="button" data-toggle="collapse" data-target="#notices-block" aria-expanded="false" aria-controls="notices-block">Notice </button>
<div class="well">
<h3>Protect Your Card And Personal Information</h3>
<p>Direct Express<sup>®</sup> will never contact you by phone, email or text message to ask you for your card number, password, PIN or security code.</p>
<p>If you have responded to any communication asking you to provide any card or personal information, please inform Direct Express<sup>®</sup> customer service immediately by calling the number on the back of your card.</p>
</div>
</div>
</fieldset>
</form>Text Content
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THE DIRECT EXPRESS® DEBIT MASTERCARD® CARD IS A SAFER, MORE CONVENIENT WAY TO
RECEIVE FEDERAL BENEFITS.
Learn more
login to your account
PLEASE SELECT THE STARTING NUMBER OF YOUR CARD
Log in to check your balance, view account activity, transfer funds, and use a
variety of additional services.
Select card 1
5332 48
* Terms of Use
Select card 2
5115 63
* Terms of Use
Please select a card first PROCEED TO LOGIN PROCEED TO LOGIN
Notice
PROTECT YOUR CARD AND PERSONAL INFORMATION
Direct Express® will never contact you by phone, email or text message to ask
you for your card number, password, PIN or security code.
If you have responded to any communication asking you to provide any card or
personal information, please inform Direct Express® customer service immediately
by calling the number on the back of your card.
ACCESSIBLE
Realize the potential of your Direct Express® card with 24/7 customer service.
SAFE
No need to carry large amounts of cash and no risk of lost or stolen checks.
CONVENIENT
Make purchases and get cash anywhere Debit MasterCard® card is accepted.
RECOMMENDED
The U.S. Department of the Treasury requires all benefit payments be made
electronically.
×
TERMS OF USE FOR YOUR DIRECT EXPRESS® DEBIT MASTERCARD® CARD
You have requested to receive certain federal government benefits by a Direct
Express® Debit Mastercard® Card (“Card”) issued by Comerica Bank (“us, we”),
rather than receiving a check or direct deposit to your checking or savings
account. You do not have to accept this benefits card. If you do not agree to
accept the Card under these Terms, do not activate your Card. Instead, dispose
of it by cutting it in half, notify Customer Service at the number below, and
contact the agency paying your benefits to make other arrangements for receiving
future benefit payments.
Keep these Terms of Use ("Terms") and the other information you received about
the Card in a safe place with your other important documents, but do not keep
your PIN with your Card. These Terms describe your rights and our rights
regarding your Card, the use of your Card, and your Card Account.
BY ACCEPTING THIS CARD YOU AGREE TO THESE TERMS:
1. DEFINITIONS:
Agency. The Federal Government Agency that pays your Benefits.
ATM. Automatic Teller Machine displaying the Mastercard® logo or
Mastercard® ATM Alliance Logo.
Benefits. The Federal Government payments you receive electronically from
the Agency.
Business Day. Monday through Friday, excluding federal holidays.
Card. The Direct Express® Debit Mastercard® Card or its card number issued
by Comerica Bank that is used to access funds in your Card Account. Access
in some cases requires the use of your PIN.
Card Account. The account held at Comerica Bank to which your Benefits are
electronically transmitted by the Agency and which you access by using your
Card. You are the owner of the funds in the Card Account. The funds are
FDIC insured to the maximum amount permitted by law.
PIN. The Personal Identification Number that you select.
Transaction. A purchase, cash withdrawal, cash back, cash advance, merchant
credit, Benefit deposit or other transaction made with your Card.
2. GETTING STARTED
A. A. ACTIVATING YOUR CARD & SELECTING A PIN
1. By accepting this Card, you agree to call Customer Service at the
number below to select your PIN and activate your Card. See the
enclosed Direct Express® Debit Mastercard® Card brochure for more
information.
2. Keep your PIN in a safe place. Do not write it on your Card or keep
it near your Card.
B. B. WHEN YOUR FUNDS ARE AVAILABLE
1. Once you have activated your Card and selected your PIN and we have
received and credited funds from the Agency to the Card Account, you
can begin using your Card. These funds are usually available the same
Business Day we receive them.
2. If the Card Account is credited with an amount you are not entitled
to receive, the amount may be deducted from the Card Account without
prior notice to you. If the incorrect amount is from the Agency and
you used those funds, the Agency can reclaim those funds. If we incur
a loss as a result of either of these situations, we may recover
those funds from you or your estate. (See Section XI, "Adjustments to
Your Card Account")
3. You may not deposit funds to your Card Account. Except for credits
from merchants (for returns or adjustments), only the Agency may add
funds to the Card Account.
3. USING YOUR CARD
A. A. GENERAL USE OF YOUR CARD
1. You can use your Card to pay for merchandise or services from any
merchant that accepts Mastercard® debit cards. You can also use your
Card at ATMs that display a Mastercard® logo. There are no Card fees
for many of these Transactions. (See Section X, "Fees")
2. To use your Card at ATMs or to get cash back when using your Card to
make purchases, you must use your PIN. For other transactions, you
should select "credit" and you may be asked to sign the sales
receipt. Selecting "credit" does not mean that we or the Agency are
lending you money.
3. The amount of each Transaction will be deducted from your available
Card Account balance along with any applicable fees (See Section X,
"Fees") You should ensure that you have enough available funds in the
Card Account to cover the Transaction and prior Transactions. You may
not overdraw your Card Account.
Funds that are subject to a Transaction Hold (see Paragraph B.1 of
this Section III "Transaction Holds") or security freeze (see
Paragraph 3 of Section V) are not available for other Transactions.
4. If you make a purchase through a Point of Sale ("POS") terminal, a
cash refund or adjustment will not be given to you if you return the
merchandise. Instead, the merchant will process a credit transaction,
and we will apply the credit to your Card Account balance.
5. You can instruct us through our automated telephone Funds Transfer
service, Mobile App, or Website to transfer funds from your card
account to your personal United States bank account. If we cannot
authenticate or verify your personal bank account information, we may
limit your initial transfer to $200.00 or not allow the transfer to
proceed. There is a fee for each transfer (See Section X, “Fees”).
Transfers generally take three (3) Business Days.
6. Instructions to make a telephone transfer or bill payment that are
received after our cutoff hour or on a non-Business Day will be
considered received as of the next Business Day. Once a transfer or
payment instruction has been confirmed by us, you cannot cancel the
Transaction.
B. B. TRANSACTION HOLDS, PREAUTHORIZED PAYMENTS, AND PREAUTHORIZED CREDITS
1. Transaction Holds. For some Card purchases, such as car rentals and
hotel accommodations, the merchant may request authorization in
advance for an estimated amount. If the authorization is approved, we
place a temporary hold ("Transaction Hold") on your funds for the
estimated amount of the purchase so that we can ensure that
sufficient funds are available when the purchase is completed. Until
the Transaction finally settles, or we determine that it is unlikely
to be processed, the held funds will not be available for other
Transactions. Once the preauthorized Transaction finally settles, we
will charge your Card for the correct amount of the final transaction
and will release any excess amount. If we determine that it is not
likely the preauthorized Transaction will be processed, we will
release the hold and those funds will be available for your use.
2. Preauthorized Payments. You may use your Card to make regular,
pre-authorized payments to merchants by giving your Card Account
information to the merchant. If these payments may vary in amount,
the person you are going to pay will tell you 10 days before each
payment, when it will be made and how much it will be. You may choose
instead to get this notice only when the payment would differ by more
than a certain amount from the previous payment, or when the amount
would fall outside certain limits that you set.You have the right to
stop a pre-authorized payment from your Card Account if you call us
at the Customer Service number below, or write to us at Direct
Express®, Payment Processing Services, PO Box 540190, Omaha, NE
68154-0190. We must receive your request at least three (3) Business
Days before the payment is scheduled to be made. (Note: If we do not
receive your request at least three (3) Business Days before the
scheduled payment, we may attempt, at our sole discretion, to stop
the payment. However, we assume no responsibility for our failure or
refusal to do so, even if we accept your stop payment request). If
you call, we may require you to put your request in writing to us and
to provide us with a copy of your notice to the payee, revoking the
payee’s authority to originate debits to your Card Account, within 14
days after you call. If we do not receive the written confirmation
within 14 days, we may honor subsequent debits to your Card Account.
For individual payments, your request should specify the exact amount
(dollars and cents) of the transfer you want to stop, the date of the
transfer, and the identity of the payee. Unless you tell us that all
future transfers to a specific recipient are to be stopped, we may
treat your stop payment order as a request concerning the one
transfer only. If you order us to stop one of these payments at least
three (3) Business Days before the transfer is scheduled and we do
not do so, we will be liable for your losses or damages.
3. Preauthorized Credits. If you have arranged to have direct deposits
made to your account at least once every 60 days from the same person
or company, you can call us at 866-606-3311 to find out whether or
not the deposit has been made. Only federal benefit payments can be
applied to your Card Account.
4. TRANSACTIONS WE MAY REFUSE TO PROCESS
A Transaction may not be processed if: (a) the amount of the Transaction
exceeds your available balance, (b) the Card has been reported lost or
stolen, (c) we are uncertain whether you have authorized the Transaction,
or (d) there is a dispute involving your available balance. If you believe
you were entitled to receive Benefits in an amount different than what was
credited to your Card Account, you should contact the Agency.
5. PROBLEMS USING YOUR CARD
1. If you experience a problem using your Card at the self-service pump of
a gas station, you may have to go inside to pay.
2. If you have problems using your Card and you believe you have sufficient
available funds for the Transaction, call us at the Customer Service
number below.
3. If we notice Transactions that are unusual or suspicious, we may place a
temporary security "freeze" on your Card while we attempt to contact
you.
6. RECORD OF YOUR TRANSACTIONS, CARD ACCOUNT BALANCE & KNOW YOUR BALANCE
You should check your Card Account balance and Transaction history on a
regular basis. The information is available to you free of charge through
our Customer Service number and at our web site, www.usdirectexpress.com.
For a fee, you can also receive written statements each month.
1. Keep track of your Transactions, including Transaction Holds, so you
know your Card Account balance.
2. When you withdraw cash or make a purchase, you can get a receipt for the
Transaction. In some cases, the receipt will indicate your Card Account
balance. You also can get information about your Card Account balance
and a record of your Transactions by calling the Customer Service number
below or by visiting www.usdirectexpress.com.
[Note: Balance information may not include Transactions or fees that are
still in process and have not yet settled. The balance also may include
payments subject to a hold (See Section III, Paragraph B "Transaction
Holds") or a security freeze (See Section V, Paragraph 3)]
3. From the website, you can select and print transaction history for up to
12 months for tracking the transactions posted to your Card account. The
amount of your available funds is also available on the receipt you get
when you make a withdrawal or balance inquiry at certain ATMs. You also
have the right to obtain at least 24 months of written history of Card
Account transactions by calling us at the number on the back of your
card or writing us at Direct Express®, Payment Processing Services, PO
Box 540190, Omaha, NE 68154-0190. You will not be charged a fee for this
information unless you request it more than once a month.
7. CARD AND PIN SECURITY–REPORT LOST OR STOLEN CARD
You agree not to give or otherwise make your Card or PIN available to
others. If you do, you will be responsible for any Transactions they
conduct, even if they exceed your authorization. For security reasons you
agree not to write your PIN on your Card or keep it in the same place as
your Card.
If you believe your Card or PIN has been lost or stolen or that someone has
or may transfer or take money from your Card Account without your
permission, report it by calling the Customer Service number below as soon
as possible. You can also write to us at Direct Express®, Payment
Processing Services, PO Box 540190, Omaha, NE 68154-0190 or visit our
website at www.usdirectexpress.com. Calling us is the fastest way to report
this loss. Once your Card or PIN is reported to us as lost, stolen or
destroyed, your Card will be cancelled, and you will have no liability for
further Transactions involving the use of the canceled Card.
8. YOUR LIABILITY FOR UNAUTHORIZED TRANSACTIONS
1. Tell us AT ONCE if you believe your Card or PIN has been lost or stolen.
Telephoning us at the Customer Service number is the best way of keeping
your possible losses down. You could lose all the money in your Card
Account. If you tell us within two (2) Business Days, you can lose no
more than $50 if someone used your Card or PIN without your permission.
If you do NOT tell us within two (2) Business Days after you learn of
the loss or theft of your Card or PIN, and we can prove that we could
have stopped someone from using your Card or PIN without your permission
if you had told us, you could lose as much as $500.
If you can’t telephone us, you can write to us at Direct Express®,
Payment Processing Services, PO Box 540190, Omaha, NE 68154-0190. If you
are a California resident, you will not be liable for the $500 amount
described above in any event. If you are a New York resident, your
liability for the unauthorized use of the Card will not exceed $50.
Also, if the written Transaction history or other Card Transaction
information provided to you shows transfers that you did not make, tell
us at once. If you do not tell us within 120 days after the transfer
allegedly in error was credited or debited to your Card Account, you may
not get back any money you lost after the 120 days if we can prove that
we could have stopped someone from taking the money if you had told us
in time. If a good reason (such as a long trip, a hospital stay, or the
illness of a family member) kept you from notifying us, we will extend
the time periods.
2. Once your Card or PIN is reported lost, stolen or destroyed, the Card
will be canceled, and you will have no liability for further
Transactions conducted with the Card.
9. IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR CARD TRANSACTIONS
1. Call the Customer Service number below or write to us at the address
below as soon as you can if you think an error has occurred in your Card
Account. We must hear from you within 120 days after the transfer
allegedly in error was credited or debited to your Card Account. You
will need to tell us:
a. Your name and Card number.
b. Why you believe there is an error, and the dollar amount involved.
c. The approximate date when the error took place.
Please provide us with your street address, email address and
telephone number, as well, so that we can communicate with you.
2. If the error cannot be resolved over the phone, you must provide us
written notice of the error within 10 Business Days at Direct Express®,
Payment Processing Services, PO Box 540190, Omaha, NE 68154-0190.
3. We will determine whether an error occurred within 10 Business Days (20
Business Days for new Card Accounts opened less than 30 days) after we
hear from you, and we will correct any error promptly. If we need more
time, however, we may take up to 45 days to investigate your complaint
or question. If we decide to do this, we will credit your Card Account
within 10 Business Days (20 Business Days for new Card Accounts opened
less than 30 days) for the amount you think is in error, so that you
will have the use of the money during the time it takes us to complete
our investigation. If we ask you to put your complaint or question in
writing and we do not receive it within 10 Business Days, we may not
credit your Card Account. For errors involving new accounts,
point-of-sale, or foreign-initiated transactions, we may take up to 90
days to investigate your complaint or question.
4. We will tell you the results of our investigation within three (3)
Business Days after completing our investigation. If we decide that
there was no error, we will send you a written explanation. You may ask
for copies of the documents we used in our investigation to make our
determination.
5. If you need more information about the error resolution procedures, call
us at the Customer Service number below.
10. FEES
We will charge you and you agree to pay the fees and charges described on
the List of All Fees included with your Card. See the brochure accompanying
your Card for ways to avoid fees. If you believe a fee was charged when it
should not have been, call Customer Service at the number below.
11. ADJUSTMENTS TO YOUR CARD ACCOUNT
There are occasions when adjustments will be made to your Card Account
balance to: reflect a merchant adjustment; resolve a dispute regarding a
Transaction posted to your Card; correct deposits or Transactions posted in
error; or because the Agency required the return of the Benefits received
after you died or were declared incompetent ("Reclamation"). These
adjustments could cause your Card Account to have a negative balance.
If you do not have sufficient funds in your account to cover a Transaction
or fee, the amount owed may be deducted from future credits to your Card
Account and/or we may seek reimbursement from you, your estate or
beneficiaries.
Remember, you always have the right to dispute adjustments posted to your
Card Account.
12. OUR LIABILITY TO YOU
If we do not complete an electronic fund transfer (Transaction) to or from
your Card Account on time or in the correct amount according to these
Terms, we will be liable for your losses or damages. There are some
exceptions, however. We will not be liable, for instance, if:
a. Through no fault of ours, you do not have enough available funds in your
Card Account to complete the Transaction;
b. We believe you may not have authorized the Transaction;
c. Circumstances beyond our control (such as fire, flood, water damage,
power failure, strike, labor dispute, computer breakdown, telephone line
disruption, or natural disaster) prevents or delays the transfer,
despite reasonable precautions taken by us;
d. The debit card system being used, including but not limited to the ATM
or POS terminal was not working properly and you knew about the problem
when you started the Transaction;
e. The Agency did not transmit Benefits for us to credit to your Card
Account;
f. Funds in your Card Account were held as a result of legal process, a
Transaction hold or security freeze described in these Terms; or
g. The Transaction could not be completed because your Card was damaged.
13. SUSPENDING OR CANCELING YOUR CARD.
1. We may temporarily suspend or permanently terminate your use of the
Card, including electronic access to your Card Account:
a. immediately if: you breach any of the provisions of these Terms; we
are notified to do so by the Agency; we believe that there has been
or may be unauthorized use of your funds, Card or PIN; there are
conflicting claims to your funds; you have made more than one claim
of unauthorized Transactions; we believe your Card is being used for
any unlawful purpose; or we believe you are named as a specially
designated national by the Office of Foreign Asset Control or
presidential order; or
b. within 30 days after giving you notice of our intent to suspend or
terminate your Card.
2. You may cancel your Card by giving us prior written notice or
telephoning us at the Customer Service number below.
3. Termination of your Card does not relieve you of your responsibility to
reimburse us for any amounts owed to us under these Terms even if you
cancel the Card.
4. You should notify the Agency when your Card is permanently canceled to
make other arrangements for receiving your Benefits.
14. LEGAL & GENERAL TERMS
1. Governing Law. The funds in your Card Account are deemed held in the
State of Michigan. Unless a federal law or regulation applies to a
specific section of these Terms or use of the Card, these Terms will be
governed by and interpreted in accordance with the laws of the State of
Michigan. Depending on where you live, you may have additional rights
under certain state laws that apply to us and your Card. We will comply
with applicable federal and state law.
2. Limitation on Time to Sue. Unless prohibited by law, an action or
proceeding by you to enforce an obligation, duty or right arising under
these Terms or applicable law with respect to your Card or Card Account
must be commenced within 12 months after the cause of action accrues.
3. Dispute Resolution, Venue, and Waiver of Right to Jury Trial/Judicial
Reference. If you have a problem with or related to your Card or Card
Account, please call Customer Service at the number below immediately.
In most cases, a telephone call will quickly resolve the problem in a
friendly, informal manner. If, however, a dispute cannot be resolved
informally, you or we may file a court action in the state where you
have told us you reside with a court having subject matter
jurisdiction.
Unless the law provides otherwise or the claim is brought before a
court in the State of California, you and we both agree to give up the
right to a trial by jury to resolve each dispute, claim, demand, court
action, and controversy ("claim") between you and us arising out of or
relating to your Card and/or Card Account. This includes, without
limitation, claims brought by you as a class representative on behalf
of others and claims by a class representative on your behalf as a
class member.
For claims brought in a court in the State of California, you and we
agree that such claims shall be resolved by a reference proceeding in
accordance with the provisions of Sections 638 et. seq. of the
California Code of Civil Procedure ("CCP"), or their successor
sections, which both of us agree constitutes the exclusive remedy for
the resolution of any dispute, including whether the dispute is subject
to the reference proceeding. The referee in the reference proceeding
(i) shall hear and determine all issues, including but not limited to
discovery disputes, (ii) is empowered to enter equitable and legal
relief, rule on any motion otherwise permissible under the CCP, and
(iii) may issue a decision disposing of all claims which shall be
entered by the court as a final, binding and conclusive judgment,
subject to appeal. A judicial reference proceeding is a trial decided
by a court-appointed referee and not by a jury.
You understand that without this jury trial waiver or agreement to
submit claims for resolution by a reference proceeding, you may have a
right to a jury trial on such matters, but you nevertheless agree
voluntarily to waive that right. You acknowledge that you have had the
opportunity to discuss this provision with your legal counsel.
4. Privacy. We and our agents, acting on our behalf, collect nonpublic
personal information about you (e.g., your name, address, telephone
number, social security number, and date of birth) from the following
sources: information we receive from you on applications/enrollments
forms for the Card; and information about your Transactions with us or
with others, including but not limited to the Agency. We do not release
personal nonpublic financial information obtained in connection with
this Card program about current or former Cardholders to anyone, except
to process and/or enforce Transactions with us and with others; to
facilitate your Card enrollment and Agency payments/adjustments; to
provide educational materials and other Card program features; as
permitted or required by law, regulation, legal process or court order;
to report to local, state and federal authorities if we believe a crime
may have been committed involving a Card; or as otherwise requested by
you. We restrict access to nonpublic personal information about you to
our agents and employees who have a need to know that information in
order to process your Card and Transactions. We maintain physical
electronic and procedural safeguards that comply with federal
regulations to guard your nonpublic personal information.
5. Assignment. You may not assign your rights or obligations in connection
with these Terms or your Card to others.
6. Legal process. We may comply with any subpoena, levy or other legal
process which we believe in good faith is valid. Unless the law
prohibits us, we may notify you of such process by telephone,
electronically or in writing. If we are not fully reimbursed for our
record search, photocopying and handling costs by the party that served
the process, we may charge those costs to your Card Account. We may
honor legal process that is served in any manner at any of our offices,
including locations other than where the funds or records sought are
held, even if the law requires personal delivery at a different
location.
Note: Certain benefit payments are protected from garnishment by
federal and/or state law, which may impose requirements and limitations
on legal process. A fee of up to $50.00 may be assessed for the review
and processing of estate claims including the distribution of any
remaining funds to a deceased cardholder's estate.
7. Change in terms. We may add to, delete or change these Terms at any
time by providing you with prior notice as required by law.
8. Severability/Waiver. If any provision of these Terms is deemed
unlawful, void or unenforceable, it will be deemed severed from these
Terms and shall not affect the validity and enforceability of the
remaining provisions. We may delay enforcing our rights under this
Agreement without losing them. Any waiver by you or us will not be
deemed a waiver of other rights or the same rights at another time.
9. Unclaimed Property. Under certain circumstances, we are required by
state law to relinquish the balance in accounts in which there has been
no activity for a specified amount of time, such as deposits,
withdrawals, balance inquiry or any other Customer-initiated contact.
The time period for relinquishment, also called escheatment, varies by
state. You agree that we are not liable for any loss you may incur due
to our good faith compliance with these laws.
10. Direct Express® Cash Access: This feature will allow you to obtain cash
from your Direct Express® card at Walmart Money Services or Walmart
Customer Service with no purchase necessary. All you need is your
Direct Express® card, a valid photo ID, and PIN. There are restrictions
on cash limits that can be received through this option. This optional
service is available in the U.S. and Puerto Rico. No additional Walmart
fees apply. Additional authorized retailers may be offered in the
future.
The Direct Express® Debit Mastercard® card is issued by Comerica Bank,
pursuant to a license by Mastercard International Incorporated. Mastercard®
is a registered trademark of Mastercard International Incorporated.
Customer Service: 1-866-606-3311
×
TERMS OF USE FOR YOUR DIRECT EXPRESS® DEBIT MASTERCARD® CARD
You have requested to receive certain federal government benefits by a Direct
Express® Debit Mastercard® Card (“Card”) issued by Comerica Bank (“us, we”),
rather than receiving a check or direct deposit to your checking or savings
account. You do not have to accept this benefits card. If you do not agree to
accept the Card under these Terms, do not activate your Card. Instead, dispose
of it by cutting it in half, notify Customer Service at the number below, and
contact the agency paying your benefits to make other arrangements for receiving
future benefit payments.
Keep these Terms of Use ("Terms") and the other information you received about
the Card in a safe place with your other important documents, but do not keep
your PIN with your Card. These Terms describe your rights and our rights
regarding your Card, the use of your Card, and your Card Account.
BY ACCEPTING THIS CARD YOU AGREE TO THESE TERMS:
1. DEFINITIONS:
Agency. The Federal Government Agency that pays your Benefits.
ATM. Automatic Teller Machine displaying the Mastercard® logo or
Mastercard® ATM Alliance Logo.
Benefits. The Federal Government payments you receive electronically from
the Agency.
Business Day. Monday through Friday, excluding federal holidays.
Card. The Direct Express® Debit Mastercard® Card or its card number issued
by Comerica Bank that is used to access funds in your Card Account. Access
in some cases requires the use of your PIN.
Card Account. The account held at Comerica Bank to which your Benefits are
electronically transmitted by the Agency and which you access by using your
Card. You are the owner of the funds in the Card Account. The funds are
FDIC insured to the maximum amount permitted by law.
PIN. The Personal Identification Number that you select.
Transaction. A purchase, cash withdrawal, cash back, cash advance, merchant
credit, Benefit deposit or other transaction made with your Card.
2. GETTING STARTED
A. A. ACTIVATING YOUR CARD & SELECTING A PIN
1. By accepting this Card, you agree to call Customer Service at the
number below to select your PIN and activate your Card. See the
enclosed Direct Express® Debit Mastercard® Card brochure for more
information.
2. Keep your PIN in a safe place. Do not write it on your Card or keep
it near your Card.
B. B. WHEN YOUR FUNDS ARE AVAILABLE
1. Once you have activated your Card and selected your PIN and we have
received and credited funds from the Agency to the Card Account, you
can begin using your Card. These funds are usually available the same
Business Day we receive them.
2. If the Card Account is credited with an amount you are not entitled
to receive, the amount may be deducted from the Card Account without
prior notice to you. If the incorrect amount is from the Agency and
you used those funds, the Agency can reclaim those funds. If we incur
a loss as a result of either of these situations, we may recover
those funds from you or your estate. (See Section XI, "Adjustments to
Your Card Account")
3. You may not deposit funds to your Card Account. Except for credits
from merchants (for returns or adjustments), only the Agency may add
funds to the Card Account.
3. USING YOUR CARD
A. A. GENERAL USE OF YOUR CARD
1. You can use your Card to pay for merchandise or services from any
merchant that accepts Mastercard® debit cards. You can also use your
Card at ATMs that display a Mastercard® logo. There are no Card fees
for many of these Transactions. (See Section X, "Fees")
2. To use your Card at ATMs or to get cash back when using your Card to
make purchases, you must use your PIN. For other transactions, you
should select "credit" and you may be asked to sign the sales
receipt. Selecting "credit" does not mean that we or the Agency are
lending you money.
3. The amount of each Transaction will be deducted from your available
Card Account balance along with any applicable fees (See Section X,
"Fees") You should ensure that you have enough available funds in the
Card Account to cover the Transaction and prior Transactions. You may
not overdraw your Card Account.
05775DT-DS-022v2
Funds that are subject to a Transaction Hold (see Paragraph B.1 of
this Section III "Transaction Holds") or security freeze (see
Paragraph 3 of Section V) are not available for other Transactions.
4. If you make a purchase through a Point of Sale ("POS") terminal, a
cash refund or adjustment will not be given to you if you return the
merchandise. Instead, the merchant will process a credit transaction,
and we will apply the credit to your Card Account balance.
5. You can instruct us through our automated telephone Funds Transfer
service, Mobile App, or Website to transfer funds from your card
account to your personal United States bank account. If we cannot
authenticate or verify your personal bank account information, we may
limit your initial transfer to $200.00 or not allow the transfer to
proceed. There is a fee for each transfer (See Section X, “Fees”).
Transfers generally take three (3) Business Days.
6. Instructions to make a telephone transfer or bill payment that are
received after our cutoff hour or on a non-Business Day will be
considered received as of the next Business Day. Once a transfer or
payment instruction has been confirmed by us, you cannot cancel the
Transaction.
B. B. TRANSACTION HOLDS, PREAUTHORIZED PAYMENTS, AND PREAUTHORIZED CREDITS
1. Transaction Holds. For some Card purchases, such as car rentals and
hotel accommodations, the merchant may request authorization in
advance for an estimated amount. If the authorization is approved, we
place a temporary hold ("Transaction Hold") on your funds for the
estimated amount of the purchase so that we can ensure that
sufficient funds are available when the purchase is completed. Until
the Transaction finally settles, or we determine that it is unlikely
to be processed, the held funds will not be available for other
Transactions. Once the preauthorized Transaction finally settles, we
will charge your Card for the correct amount of the final transaction
and will release any excess amount. If we determine that it is not
likely the preauthorized Transaction will be processed, we will
release the hold and those funds will be available for your use.
2. Preauthorized Payments. You may use your Card to make regular,
pre-authorized payments to merchants by giving your Card Account
information to the merchant. If these payments may vary in amount,
the person you are going to pay will tell you 10 days before each
payment, when it will be made and how much it will be. You may choose
instead to get this notice only when the payment would differ by more
than a certain amount from the previous payment, or when the amount
would fall outside certain limits that you set. You have the right to
stop a preauthorized payment from your Card Account if you call us at
the Customer Service number below, or write to us at Direct Express®,
Payment Processing Services, PO Box 245998, San Antonio, TX
78224-5998. We must receive your request at least three (3) Business
Days before the payment is scheduled to be made. (Note: If we do not
receive your request at least three (3) Business Days before the
scheduled payment, we may attempt, at our sole discretion, to stop
the payment. However, we assume no responsibility for our failure or
refusal to do so, even if we accept your stop payment request). If
you call, we may require you to put your request in writing to us and
to provide us with a copy of your notice to the payee, revoking the
payee's authority to originate debits to your Card Account, within 14
days after you call. If we do not receive the written confirmation
within 14 days, we may honor subsequent debits to your Card Account.
For individual payments, your request should specify the exact amount
(dollars and cents) of the transfer you want to stop, the date of the
transfer, and the identity of the payee. Unless you tell us that all
future transfers to a specific recipient are to be stopped, we may
treat your stop payment order as a request concerning the one
transfer only. If you order us to stop one of these payments at least
three (3) Business Days before the transfer is scheduled and we do
not do so, we will be liable for your losses or damages.
3. Preauthorized Credits. If you have arranged to have direct deposits
made to your account at least once every 60 days from the same person
or company, you can call us at 888-741-1115 to find out whether or
not the deposit has been made. Only federal benefit payments can be
applied to your Card Account.
4. TRANSACTIONS WE MAY REFUSE TO PROCESS
A Transaction may not be processed if: (a) the amount of the Transaction
exceeds your available balance, (b) the Card has been reported lost or
stolen, (c) we are uncertain whether you have authorized the Transaction,
or (d) there is a dispute involving your available balance. If you believe
you were entitled to receive Benefits in an amount different than what was
credited to your Card Account, you should contact the Agency.
5. PROBLEMS USING YOUR CARD
1. If you experience a problem using your Card at the self-service pump of
a gas station, you may have to go inside to pay.
2. If you have problems using your Card and you believe you have sufficient
available funds for the Transaction, call us at the Customer Service
number below.
3. If we notice Transactions that are unusual or suspicious, we may place a
temporary security "freeze" on your Card while we attempt to contact
you.
6. RECORD OF YOUR TRANSACTIONS, CARD ACCOUNT BALANCE & KNOW YOUR BALANCE
You should check your Card Account balance and Transaction history on a
regular basis. The information is available to you free of charge through
our Customer Service number and at our web site, www.usdirectexpress.com.
For a fee, you can also receive written statements each month.
1. Keep track of your Transactions, including Transaction Holds, so you
know your Card Account balance.
2. When you withdraw cash or make a purchase, you can get a receipt for the
Transaction. In some cases, the receipt will indicate your Card Account
balance. You also can get information about your Card Account balance
and a record of your Transactions by calling the Customer Service number
below or by visiting www.usdirectexpress.com.
[Note: Balance information may not include Transactions or fees that are
still in process and have not yet settled. The balance also may include
payments subject to a hold (See Section III, Paragraph B "Transaction
Holds") or a security freeze (See Section V, Paragraph 3)]
3. From the website, you can select and print transaction history for up to
12 months for tracking the transactions posted to your Card account. The
amount of your available funds is also available on the receipt you get
when you make a withdrawal or balance inquiry at certain ATMs. You also
have the right to obtain at least 24 months of written history of Card
Account transactions by calling us at the number on the back of your
card or writing us at Account Services, PO Box 245997, San Antonio,
Texas 78224-5997. You will not be charged a fee for this information
unless you request it more than once a month.
7. CARD AND PIN SECURITY–REPORT LOST OR STOLEN CARD
You agree not to give or otherwise make your Card or PIN available to
others. If you do, you will be responsible for any Transactions they
conduct, even if they exceed your authorization. For security reasons you
agree not to write your PIN on your Card or keep it in the same place as
your Card.
If you believe your Card or PIN has been lost or stolen or that someone has
or may transfer or take money from your Card Account without your
permission, report it by calling the Customer Service number below as soon
as possible. You can also write to us at Direct Express®, Payment
Processing Services, PO Box 245998, San Antonio, TX 78224-5998 or visit our
website at www.usdirectexpress.com. Calling us is the fastest way to report
this loss. Once your Card or PIN is reported to us as lost, stolen or
destroyed, your Card will be cancelled, and you will have no liability for
further Transactions involving the use of the canceled Card.
8. YOUR LIABILITY FOR UNAUTHORIZED TRANSACTIONS
1. Tell us AT ONCE if you believe your Card or PIN has been lost or stolen.
Telephoning us at the Customer Service number is the best way of keeping
your possible losses down. You could lose all the money in your Card
Account. If you tell us within two (2) Business Days, you can lose no
more than $50 if someone used your Card or PIN without your permission.
If you do NOT tell us within two (2) Business Days after you learn of
the loss or theft of your Card or PIN, and we can prove that we could
have stopped someone from using your Card or PIN without your permission
if you had told us, you could lose as much as $500.
If you can't telephone us, you can write to us at Direct Express®,
Payment Processing Services, PO Box 245998, San Antonio, TX 78224-5998.
If you are a California resident, you will not be liable for the $500
amount described above in any event. If you are a New York resident,
your liability for the unauthorized use of the Card will not exceed $50.
Also, if the written Transaction history or other Card Transaction
information provided to you shows transfers that you did not make, tell
us at once. If you do not tell us within 120 days after the transfer
allegedly in error was credited or debited to your Card Account, you may
not get back any money you lost after the 120 days if we can prove that
we could have stopped someone from taking the money if you had told us
in time. If a good reason (such as a long trip, a hospital stay, or the
illness of a family member) kept you from notifying us, we will extend
the time periods.
2. Once your Card or PIN is reported lost, stolen or destroyed, the Card
will be canceled, and you will have no liability for further
Transactions conducted with the Card.
9. IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR CARD TRANSACTIONS
1. Call the Customer Service number below or write to us at the address
below as soon as you can if you think an error has occurred in your Card
Account. We must hear from you within 120 days after the transfer
allegedly in error was credited or debited to your Card Account. You
will need to tell us:
a. Your name and Card number.
b. Why you believe there is an error, and the dollar amount involved.
c. The approximate date when the error took place.
Please provide us with your street address, email address and
telephone number, as well, so that we can communicate with you.
2. If the error cannot be resolved over the phone, you must provide us
written notice of the error within 10 Business Days at Direct Express®,
Payment Processing Services, PO Box 245998, San Antonio, TX 78224-5998.
3. We will determine whether an error occurred within 10 Business Days (20
Business Days for new Card Accounts opened less than 30 days) after we
hear from you, and we will correct any error promptly. If we need more
time, however, we may take up to 45 days to investigate your complaint
or question. If we decide to do this, we will credit your Card Account
within 10 Business Days (20 business days for new card accounts opened
less than 30 days) for the amount you think is in error, so that you
will have the use of the money during the time it takes us to complete
our investigation. If we ask you to put your complaint or question in
writing and we do not receive it within 10 Business Days, we may not
credit your Card Account. For errors involving new accounts,
point-of-sale, or foreign-initiated transactions, we may take up to 90
days to investigate your complaint or question.
4. We will tell you the results of our investigation within three (3)
Business Days after completing our investigation. If we decide that
there was no error, we will send you a written explanation. You may ask
for copies of the documents we used in our investigation to make our
determination.
5. If you need more information about the error resolution procedures, call
us at the Customer Service number below.
10. FEES
We will charge you and you agree to pay the fees and charges described on
the List of All Fees included with your Card. See the brochure accompanying
your Card for ways to avoid fees. If you believe a fee was charged when it
should not have been, call Customer Service at the number below.
11. ADJUSTMENTS TO YOUR CARD ACCOUNT
There are occasions when adjustments will be made to your Card Account
balance to: reflect a merchant adjustment; resolve a dispute regarding a
Transaction posted to your Card; correct deposits or Transactions posted in
error; or because the Agency required the return of the Benefits received
after you died or were declared incompetent ("Reclamation"). These
adjustments could cause your Card Account to have a negative balance.
If you do not have sufficient funds in your account to cover a Transaction
or fee, the amount owed may be deducted from future credits to your Card
Account and/or we may seek reimbursement from you, your estate or
beneficiaries.
Remember, you always have the right to dispute adjustments posted to your
Card Account.
12. OUR LIABILITY TO YOU
If we do not complete an electronic fund transfer (Transaction) to or from
your Card Account on time or in the correct amount according to these
Terms, we will be liable for your losses or damages. There are some
exceptions, however. We will not be liable, for instance, if:
a. Through no fault of ours, you do not have enough available funds in your
Card Account to complete the Transaction;
b. We believe you may not have authorized the Transaction;
c. Circumstances beyond our control (such as fire, flood, water damage,
power failure, strike, labor dispute, computer breakdown, telephone line
disruption, or natural disaster) prevents or delays the transfer,
despite reasonable precautions taken by us;
d. The debit card system being used, including but not limited to the ATM
or POS terminal was not working properly and you knew about the problem
when you started the Transaction;
e. The Agency did not transmit Benefits for us to credit to your Card
Account;
f. Funds in your Card Account were held as a result of legal process, a
Transaction hold or security freeze described in these Terms; or
g. The Transaction could not be completed because your Card was damaged.
13. SUSPENDING OR CANCELING YOUR CARD.
1. We may temporarily suspend or permanently terminate your use of the
Card, including electronic access to your Card Account:
a. immediately if: you breach any of the provisions of these Terms; we
are notified to do so by the Agency; we believe that there has been
or may be unauthorized use of your funds, Card or PIN; there are
conflicting claims to your funds; you have made more than one claim
of unauthorized Transactions; we believe your Card is being used for
any unlawful purpose; or we believe you are named as a specially
designated national by the Office of Foreign Asset Control or
presidential order; or
b. within 30 days after giving you notice of our intent to suspend or
terminate your Card.
2. You may cancel your Card by giving us prior written notice or
telephoning us at the Customer Service number below.
3. Termination of your Card does not relieve you of your responsibility to
reimburse us for any amounts owed to us under these Terms even if you
cancel the Card.
4. You should notify the Agency when your Card is permanently canceled to
make other arrangements for receiving your Benefits.
14. LEGAL & GENERAL TERMS
1. Governing Law. The funds in your Card Account are deemed held in the
State of Michigan. Unless a federal law or regulation applies to a
specific section of these Terms or use of the Card, these Terms will be
governed by and interpreted in accordance with the laws of the State of
Michigan. Depending on where you live, you may have additional rights
under certain state laws that apply to us and your Card. We will comply
with applicable federal and state law.
2. Limitation on Time to Sue. Unless prohibited by law, an action or
proceeding by you to enforce an obligation, duty or right arising under
these Terms or applicable law with respect to your Card or Card Account
must be commenced within 12 months after the cause of action accrues.
3. Dispute Resolution, Venue, and Waiver of Right to Jury Trial/Judicial
Reference. If you have a problem with or related to your Card or Card
Account, please call Customer Service at the number below immediately.
In most cases, a telephone call will quickly resolve the problem in a
friendly, informal manner. If, however, a dispute cannot be resolved
informally, you or we may file a court action in the state where you
have told us you reside with a court having subject matter
jurisdiction.
Unless the law provides otherwise or the claim is brought before a
court in the State of California, you and we both agree to give up the
right to a trial by jury to resolve each dispute, claim, demand, court
action, and controversy ("claim") between you and us arising out of or
relating to your Card and/or Card Account. This includes, without
limitation, claims brought by you as a class representative on behalf
of others and claims by a class representative on your behalf as a
class member.
For claims brought in a court in the State of California, you and we
agree that such claims shall be resolved by a reference proceeding in
accordance with the provisions of Sections 638 et. seq. of the
California Code of Civil Procedure ("CCP"), or their successor
sections, which both of us agree constitutes the exclusive remedy for
the resolution of any dispute, including whether the dispute is subject
to the reference proceeding. The referee in the reference proceeding
(i) shall hear and determine all issues, including but not limited to
discovery disputes, (ii) is empowered to enter equitable and legal
relief, rule on any motion otherwise permissible under the CCP, and
(iii) may issue a decision disposing of all claims which shall be
entered by the court as a final, binding and conclusive judgment,
subject to appeal. A judicial reference proceeding is a trial decided
by a court-appointed referee and not by a jury.
You understand that without this jury trial waiver or agreement to
submit claims for resolution by a reference proceeding, you may have a
right to a jury trial on such matters, but you nevertheless agree
voluntarily to waive that right. You acknowledge that you have had the
opportunity to discuss this provision with your legal counsel.
4. Privacy. We and our agents, acting on our behalf, collect nonpublic
personal information about you (e.g., your name, address, telephone
number, social security number, and date of birth) from the following
sources: information we receive from you on applications/enrollments
forms for the Card; and information about your Transactions with us or
with others, including but not limited to the Agency. We do not release
personal nonpublic financial information obtained in connection with
this Card program about current or former Cardholders to anyone,
except: to process and/or enforce Transactions with us and with others;
to facilitate your Card enrollment and Agency payments/adjustments; to
provide educational materials and other Card program features; as
permitted or required by law, regulation, legal process or court order;
to report to local, state and federal authorities if we believe a crime
may have been committed involving a Card; or as otherwise requested by
you. We restrict access to nonpublic personal information about you to
our agents and employees who have a need to know that information in
order to process your Card and Transactions. We maintain physical
electronic and procedural safeguards that comply with federal
regulations to guard your nonpublic personal information.
5. Assignment. You may not assign your rights or obligations in connection
with these Terms or your Card to others.
6. Legal process. We may comply with any subpoena, levy or other legal
process which we believe in good faith is valid. Unless the law
prohibits us, we may notify you of such process by telephone,
electronically or in writing. If we are not fully reimbursed for our
record search, photocopying and handling costs by the party that served
the process, we may charge those costs to your Card Account. We may
honor legal process that is served in any manner at any of our offices,
including locations other than where the funds or records sought are
held, even if the law requires personal delivery at a different
location.
Note: Certain benefit payments are protected from garnishment by
federal and/or state law, which may impose requirements and limitations
on legal process. A fee of up to $50.00 may be assessed for the review
and processing of estate claims including the distribution of any
remaining funds to a deceased cardholder's estate.
7. Change in terms. We may add to, delete or change these Terms at any
time by providing you with prior notice as required by law.
8. Severability/Waiver. If any provision of these Terms is deemed
unlawful, void or unenforceable, it will be deemed severed from these
Terms and shall not affect the validity and enforceability of the
remaining provisions. We may delay enforcing our rights under this
Agreement without losing them. Any waiver by you or us will not be
deemed a waiver of other rights or the same rights at another time.
9. Unclaimed Property. Under certain circumstances, we are required by
state law to relinquish the balance in accounts in which there has been
no activity for a specified amount of time, such as deposits,
withdrawals, balance inquiry or any other Customer-initiated contact.
The time period for relinquishment, also called escheatment, varies by
state. You agree that we are not liable for any loss you may incur due
to our good faith compliance with these laws.
10. Direct Express® Cash Access: This feature will allow you to obtain cash
from your Direct Express® card at Walmart Money Services or Walmart
Customer Service with no purchase necessary. All you need is your
Direct Express® card, a valid photo ID, and PIN. There are restrictions
on cash limits that can be received through this option. This optional
service is available in the U.S. and Puerto Rico. No additional Walmart
fees apply. Additional authorized retailers may be offered in the
future.
The Direct Express® Debit Mastercard® card is issued by Comerica Bank,
pursuant to a license by Mastercard International Incorporated.
Mastercard® is a registered trademark of Mastercard International
Incorporated.
Customer Service: 1-888-741-1115
YOU CAN
* Check your balance/hear transaction history.
* Select or change your PIN.
* Ask questions about card use.
* Dispute a transaction.
* Report lost or stolen cards.
* Set up optional services.
QUICK LINKS
* Privacy Policy
* Security Tips
* Contact Us
ATM Locator
This is read only information :
The Direct Express® Debit Mastercard® card is issued by Comerica Bank, pursuant
to a license by Mastercard International Incorporated. Mastercard® and the
Mastercard® Brand Mark are registered trade marks of Mastercard International
Incorporated. Direct Express® and the Direct Express® logo are service marks of
the U.S. Department of the Treasury, Bureau of Fiscal Service (used with
permission).