What if I don't have an account yet?
Then you must open an account before you can sign up for Direct Deposit. You should shop around in your area to find an account that has the features you want at a price you can afford.
Makes perfect sense. By the way, what is this direct express card, which is mentioned on your website?
The Direct Express card is a debit card you can use to access your benefits. And you don't need a bank account. With the Direct Express card program, we deposit your federal benefit payment directly into your card account.