Social Security debt card

Retirees who don't have bank accounts or prefer not to use one can have their payments loaded on a prepaid Direct Express Debit Mastercard. 
There can be fees with these debt cards, here’s how to limit those fees. Debit card users can withdraw cash from Direct Express network ATMs for free once per deposit to the account each month. Additional cash withdrawals at network ATMs are 85 cents each. Since ATM withdrawals are limited, it's often more convenient to shop with the Direct Express debit card instead of using cash. This card can be used to make a purchase anywhere that a debit Mastercard is honored, which is just about anywhere, so use the card to make your purchases rather than using cash.
When you use your Direct Express debit card at retail locations, you can request cash back with your purchase. The smart thing to do with the card is to use it to shop, use it to pay bills, and then if you need to get cash back, you can do it at the point of sale. If you do that the card can be used virtually fee free.
While multiple ATM withdrawals trigger fees, you can get access to the cash loaded on to your card from a bank or credit union teller for free.
A paper statement mailed to you costs 75 cents per month. This fee is easily avoided by accessing your account information online. A funds transfer from your Direct Express debit card to a personal U.S. bank account costs $1.50 each time. You can avoid this fee by signing up to have your Social Security payments directly deposited into your bank account instead of applied to the debit card. Plus you get interest in a bank account but not with a Direct Express debit card.