Direct Express Data API: Benefit Deposits, Transactions & Transfers

Fifth Third Bank · Banking 4.6 ★

Direct Express® Mobile is Fifth Third Bank's Android app for U.S. federal-benefit recipients who receive Social Security, SSI, Veterans Affairs compensation and other Treasury payments on a Direct Express Debit Mastercard. This version serves cards beginning with 533248; a separate app serves older 511563 cards. Cardholders register with their card details and last four Social Security digits, then sign in with a user ID and password, with an optional SMS code and local passcode or biometric unlock. The home screen shows the latest federal deposit and any pending credit alongside card status and lock controls. Users can review purchases and ATM withdrawals, download CSV or PDF history, view spending by category and find surcharge-free ATMs. It also supports transfers to a linked bank account, deposit and spending alerts, paperless statement preferences, card replacement with standard or expedited delivery, and contact-address updates. The app serves unbanked and underbanked benefit recipients in the United States and has a 4.64 Google Play rating from 196,032 ratings.

Federal benefit credits pair lastDepositedAmount and lastDepositedDate with pendingDepositedAmount and pendingDepositCount, so a posted payment can be distinguished from money still pending. The same card summary links those amounts to cardId, cardStatus and cardIsLocked. With cardholder authorization, benefits counselors can reconcile posted and pending credits against expected payment dates, while support workflows can distinguish a deposit question from a locked or replacement card.

Activity records carry transactionId, transactionType, transactionDate, amount and pending; CSV and PDF exports add fileName and rowCount for reconciliation. Spending summaries identify the selected period and its totalAmount, with a categoryId, amount and percent for each category. ATM records combine lat, lng and distanceMeters with surchargeFree and network, helping social-service teams identify nearby cash access without an out-of-network surcharge.

Card-to-bank records connect a destination described by routingNumber, accountType and masked accountNumberLast4 to a transferId, status and confirmationTimeStamp. Alert history and preferences distinguish deposits, low balances, highDollarPurchase, foreignTransaction and invalidPIN; document preferences add eDeliveryEnabled and paperStmt. These fields support authorized budgeting, payment reconciliation and cardholder-support integrations. openData Studio turns these deposit, activity, cash-access and card-management data shapes into callable open data for those authorized integrations.

Screenshots

API surface

The endpoints and request/response examples below are reconstructed from the app's interface — illustrative, not a live capture.

Sign-in session
POST /v1/cardholder-sessions osint
Opens a cardholder session using a user ID, password and RSA device profile; returns sessionToken and refreshToken for later card and profile requests.
Auth: Unauthenticated. The body contains userId, password and an RSA Adaptive Authentication device profile. The issued session token authenticates subsequent cardholder requests.
- userId
- password
- deviceProfile
- sessionToken
- refreshToken
- maskedUserId
- multiCard
```
POST /v1/cardholder-sessions HTTP/1.1
Content-Type: application/json

{
  "userId": "example_cardholder",
  "password": "<example-password>",
  "deviceProfile": "<example-device-profile>"
}
```
```
{
  "sessionToken": "<example-session-token>",
  "refreshToken": "<example-refresh-token>",
  "userId": "example_cardholder",
  "maskedUserId": "exa***der",
  "multiCard": true
}
```
Cardholder person info
GET /v1/benefit-cards/overview openbanking
Loads the home card summary with its nickname, last four digits, lock flag, last federal deposit and pending deposits. Card states include DEBIT, IN_TRANSIT, PENDING_PIN_RESET, INACTIVE and CLOSED.
Auth: Bearer session token issued during cardholder sign-in.
- cardId
- cardNickname
- last4CardDigit
- cardStatus
- cardIsLocked
- lastDepositedAmount
- lastDepositedDate
- pendingDepositedAmount
- pendingDepositCount
```
GET /v1/benefit-cards/overview HTTP/1.1
Authorization: Bearer <example-session-token>
Accept: application/json
```
```
{
  "cardId": "card_example_01",
  "cardNickname": "Benefits card",
  "last4CardDigit": "0000",
  "cardStatus": "DEBIT",
  "cardIsLocked": false,
  "lastDepositedAmount": 943.0,
  "lastDepositedDate": "2026-10-08",
  "pendingDepositedAmount": 0.0,
  "pendingDepositCount": 0
}
```

Search transactions

POST /v1/benefit-cards/activity/query openbanking

Pages card activity by date range and transactionType, including purchases, fees, deposits and customer-service adjustments.

Auth: Bearer session token issued during cardholder sign-in.

cardId
transactionType
fromDate
toDate
transactionId
transactionDate
amount
description
pending
totalCount

POST /v1/benefit-cards/activity/query HTTP/1.1
Authorization: Bearer <example-session-token>
Content-Type: application/json

{
  "cardId": "card_example_01",
  "transactionType": "purchases",
  "fromDate": "2026-09-01",
  "toDate": "2026-10-23",
  "page": 0,
  "pageSize": 25
}

{
  "items": [
    {
      "transactionId": "transaction_example_01",
      "transactionType": "purchases",
      "transactionDate": "2026-10-12",
      "amount": -28.41,
      "description": "EXAMPLE GROCERY STORE",
      "pending": false
    }
  ],
  "page": 0,
  "totalCount": 41
}

Export transactions

POST /v1/benefit-cards/activity/files openfinance

Prepares a CSV or PDF download of the cardholder transaction history for the selected dates.

Auth: Bearer session token issued during cardholder sign-in.

cardId
format
fromDate
toDate
downloadUrl
fileName
rowCount

POST /v1/benefit-cards/activity/files HTTP/1.1
Authorization: Bearer <example-session-token>
Content-Type: application/json

{
  "cardId": "card_example_01",
  "format": "csv",
  "fromDate": "2026-01-01",
  "toDate": "2026-10-23"
}

{
  "downloadUrl": "/v1/benefit-cards/activity/files/export_example_01.csv",
  "format": "csv",
  "fileName": "example-card-transactions.csv",
  "rowCount": 186
}

Spending by category

GET /v1/benefit-cards/spending/groups openfinance

Returns the spending analyzer breakdown for a selected period, including category totals and each category percentage.

Auth: Bearer session token issued during cardholder sign-in.

cardId
period
totalAmount
categories
categoryId
label
amount
percent

GET /v1/benefit-cards/spending/groups?cardId=card_example_01&period=2026-09 HTTP/1.1
Authorization: Bearer <example-session-token>
Accept: application/json

{
  "period": "2026-09",
  "totalAmount": 412.18,
  "categories": [
    {
      "categoryId": "grocery",
      "label": "Groceries",
      "amount": 186.4,
      "percent": 45.2
    },
    {
      "categoryId": "atm",
      "label": "ATM withdrawals",
      "amount": 80.0,
      "percent": 19.4
    }
  ]
}

Nearby ATMs

GET /v1/cash-access/nearby opendata

Finds nearby cash machines and distinguishes surcharge-free, in-network Allpoint locations from out-of-network machines that may add a surcharge.

Auth: Bearer session token issued during cardholder sign-in.

lat
lng
surchargeFree
atmId
name
distanceMeters
network

GET /v1/cash-access/nearby?lat=38.9072&lng=-77.0369&surchargeFree=true HTTP/1.1
Authorization: Bearer <example-session-token>
Accept: application/json

{
  "atms": [
    {
      "atmId": "atm_example_01",
      "name": "Example cash location",
      "lat": 38.9091,
      "lng": -77.043,
      "distanceMeters": 640,
      "surchargeFree": true,
      "network": "Allpoint"
    }
  ]
}

Initiate card-to-bank transfer

POST /v1/benefit-cards/bank-payouts openbanking

Starts an ACH transfer of remaining card funds to a linked checking or savings account and returns the transfer confirmation.

Auth: Bearer session token issued during cardholder sign-in.

cardId
amount
routingNumber
accountNumber
accountType
transferId
status
confirmationTimeStamp

POST /v1/benefit-cards/bank-payouts HTTP/1.1
Authorization: Bearer <example-session-token>
Content-Type: application/json

{
  "cardId": "card_example_01",
  "amount": 200.0,
  "routingNumber": "<example-routing-number>",
  "accountNumber": "<example-account-number>",
  "accountType": "checking"
}

{
  "transferId": "transfer_example_01",
  "amount": 200.0,
  "status": "PENDING",
  "confirmationTimeStamp": "2026-10-23T15:12:04Z"
}

Update linked bank account

PUT /v1/benefit-cards/payout-destination openbanking

Creates or replaces the linked ACH destination used by card-to-bank transfers, including routing number, account number and checking or savings account type.

Auth: Bearer session token issued during cardholder sign-in.

bankName
routingNumber
accountNumber
accountType
accountNumberLast4
verified

PUT /v1/benefit-cards/payout-destination HTTP/1.1
Authorization: Bearer <example-session-token>
Content-Type: application/json

{
  "bankName": "Example Bank",
  "routingNumber": "<example-routing-number>",
  "accountNumber": "<example-account-number>",
  "accountType": "checking"
}

{
  "bankName": "Example Bank",
  "routingNumber": "<example-routing-number>",
  "accountNumberLast4": "0000",
  "accountType": "checking",
  "verified": true
}

Alert history

GET /v1/cardholder-notices opendata

Pages the in-app alert history for deposits, low balances, high-dollar purchases, foreign transactions and invalid PIN attempts.

Auth: Bearer session token issued during cardholder sign-in.

alertId
alertType
message
amount
createdAt

GET /v1/cardholder-notices?page=0&pageSize=20 HTTP/1.1
Authorization: Bearer <example-session-token>
Accept: application/json

{
  "items": [
    {
      "alertId": "alert_example_01",
      "alertType": "deposit",
      "message": "Federal benefit deposit posted",
      "amount": 943.0,
      "createdAt": "2026-10-08T08:04:11Z"
    }
  ]
}

Update alert preferences

PUT /v1/cardholder-notices/preferences opendata

Saves deposit, low-balance, high-dollar purchase, foreign-transaction and invalid-PIN alert preferences, including amount thresholds.

Auth: Bearer session token issued during cardholder sign-in.

depositAlert
lowBalanceAlert
lowBalanceAmount
highDollarPurchase
highDollarAmount
foreignTransaction
invalidPIN

PUT /v1/cardholder-notices/preferences HTTP/1.1
Authorization: Bearer <example-session-token>
Content-Type: application/json

{
  "depositAlert": true,
  "lowBalanceAlert": true,
  "lowBalanceAmount": 50.0,
  "highDollarPurchase": true,
  "highDollarAmount": 200.0,
  "foreignTransaction": true,
  "invalidPIN": true
}

{
  "depositAlert": true,
  "lowBalanceAlert": true,
  "lowBalanceAmount": 50.0,
  "highDollarPurchase": true,
  "highDollarAmount": 200.0,
  "foreignTransaction": true,
  "invalidPIN": true
}

E-delivery statement settings
GET /v1/benefit-cards/delivery-options openfinance
Reads electronic-delivery enrollment, paper-statement preference, associated monthly fee and delivery email for the statement settings screen.
Auth: Bearer session token issued during cardholder sign-in.
- eDeliveryEnabled
- paperStmt
- monthlyFee
- emailAddress
```
GET /v1/benefit-cards/delivery-options HTTP/1.1
Authorization: Bearer <example-session-token>
Accept: application/json
```
```
{
  "eDeliveryEnabled": true,
  "paperStmt": false,
  "monthlyFee": 0.0,
  "emailAddress": "<example-email>"
}
```
Update paper-statement preference
PUT /v1/benefit-cards/statement-preferences openfinance
Enables or disables mailed monthly statements and records the corresponding electronic-delivery preference.
Auth: Bearer session token issued during cardholder sign-in.
- paperStmt
- eDeliveryEnabled
- status
```
PUT /v1/benefit-cards/statement-preferences HTTP/1.1
Authorization: Bearer <example-session-token>
Content-Type: application/json

{
  "paperStmt": false,
  "eDeliveryEnabled": true
}
```
```
{
  "paperStmt": false,
  "eDeliveryEnabled": true,
  "status": "UPDATED"
}
```

Replace card

POST /v1/benefit-cards/replacement-orders openbanking

Orders a replacement debit card using standard or expedited delivery and returns its in-transit status, shipping window and UPS tracking reference.

Auth: Bearer session token issued during cardholder sign-in. The body also reconfirms last4SSN, cvv and expDate.

cardId
cardNumberLast4
last4SSN
cvv
expDate
expedite
mailingAddress
replacementId
cardStatus
minStandardShippingDays
maxStandardShippingDays
upsTrackingNumber

POST /v1/benefit-cards/replacement-orders HTTP/1.1
Authorization: Bearer <example-session-token>
Content-Type: application/json

{
  "cardId": "card_example_01",
  "cardNumberLast4": "0000",
  "last4SSN": "<example-ssn-last-four>",
  "cvv": "<example-cvv>",
  "expDate": "08/27",
  "expedite": false,
  "mailingAddress": {
    "line1": "100 Example Ave",
    "city": "Washington",
    "state": "DC",
    "postalCode": "20001"
  }
}

{
  "replacementId": "replacement_example_01",
  "cardStatus": "IN_TRANSIT",
  "expedite": false,
  "minStandardShippingDays": 7,
  "maxStandardShippingDays": 10,
  "upsTrackingNumber": "<example-ups-tracking-number>"
}

Validate mailing address

POST /v1/postal-addresses/check opendata

Checks a mailing address using USPS normalization before saving it and flags an invalid address for the address-confirmation prompt.

Auth: Bearer session token issued during cardholder sign-in. The same address check also supports periodic address-confirmation prompts.

line1
city
state
postalCode
valid
normalized
badAddress

POST /v1/postal-addresses/check HTTP/1.1
Authorization: Bearer <example-session-token>
Content-Type: application/json

{
  "line1": "100 Example Ave",
  "city": "Washington",
  "state": "DC",
  "postalCode": "20001"
}

{
  "valid": true,
  "normalized": {
    "line1": "100 EXAMPLE AVE",
    "city": "WASHINGTON",
    "state": "DC",
    "postalCode": "20001"
  },
  "badAddress": false
}

Contact information

GET /v1/cardholder-profile/contact osint

Reads the email address, mobile number, mailing address and contact-information opt-in used by profile and address-edit screens.

Auth: Bearer session token issued during cardholder sign-in.

emailAddress
mobileNumber
mailingAddress
optInContactInfo

GET /v1/cardholder-profile/contact HTTP/1.1
Authorization: Bearer <example-session-token>
Accept: application/json

{
  "emailAddress": "<example-email>",
  "mobileNumber": "+1-202-555-0100",
  "mailingAddress": {
    "line1": "100 Example Ave",
    "city": "Washington",
    "state": "DC",
    "postalCode": "20001"
  },
  "optInContactInfo": true
}

Where teams use this data

SSA deposit reconciliation
Benefits counselors pull lastDepositedAmount, lastDepositedDate and pendingDepositedAmount from person/info each payment day and match them to the SSA / VA award calendar so a missed credit is flagged before the recipient calls.
Elder-fraud lock and spend alerts
A family or adult-protective-services workflow watches cardIsLocked, highDollarPurchase, foreignTransaction and invalidPIN on the alerts feed and can freeze the plastic when a high-dollar or overseas swipe lands on an SSI card.
Surcharge-free ATM routing
Social-service agencies map atmsNearUser results that carry surchargeFree=true (Allpoint / in-network) so unbanked recipients withdraw cash without the out-of-network surcharge the locator copy warns about.
Card-to-bank leftover sweep
A budgeting bot reads the linked routingNumber / accountNumberLast4 / accountType, then records transferId and confirmationTimeStamp from initiate so leftover federal funds land in a checking account instead of sitting on the prepaid card.

Frequently asked questions

What Direct Express card data supports benefits-payment checks?

The examples cover posted and pending federal deposits, card status and lock state, transaction history, CSV/PDF exports, category spending, nearby ATMs, ACH destinations and transfers, alerts, statement settings, replacement-card delivery and contact details. With cardholder authorization, a benefits-support workflow can compare lastDepositedAmount and lastDepositedDate with pendingDepositedAmount and pendingDepositCount against expected payment dates. Alert records add alertType, amount and createdAt; preferences include lowBalanceAmount, highDollarAmount, foreignTransaction and invalidPIN. These fields support payment checks and notifications while keeping pending credits distinct from posted funds.

How does cardholder authentication work?

Registration uses card details and the last four Social Security digits. Sign-in combines a user ID and password with an RSA Adaptive Authentication device profile and may require an SMS one-time code. Subsequent requests use the issued session token; the illustrative examples show it as a Bearer token. A device passcode or biometric check can unlock the app locally. Authentication examples contain placeholders, not usable credentials.

Which fields support ATM routing and card-to-bank reconciliation?

ATM records include lat, lng, distanceMeters, network and surchargeFree to identify nearby in-network locations. ACH destination records contain routingNumber, accountType and accountNumberLast4; transfer confirmations add transferId, amount, status and confirmationTimeStamp. Access to financial or identifying records requires cardholder authorization.

Is this an official public U.S. Treasury or Fifth Third developer API?

No. The paths and request/response values on this page are synthetic illustrations of the app data, not official developer endpoints or an unauthenticated Treasury service. Financial and contact records are cardholder-specific. openData Studio presents their field names and shapes for integration planning without publishing the private service addresses.

Apps similar to Direct Express® Mobile

Netspend — Netspend sells reloadable prepaid debit cards and a no-credit-check debit account that accept Social Security and other federal government benefits by direct deposit.
GO2bank — GO2bank is Green Dot Bank's mobile bank account; monthly fees are waived with a payroll or government-benefits direct deposit, and those benefits can arrive up to four days early.
Walmart MoneyCard — Walmart MoneyCard is a reloadable debit card with savings and optional overdraft protection that advertises government benefits up to four days early with eligible direct deposit.
ACE Elite — The ACE Elite Visa Prepaid Debit Card, loaded at ACE Cash Express stores, accepts direct deposit of payroll, government benefits, or a tax refund.
PayPal — PayPal Direct Deposit can send a paycheck or government payment automatically into a PayPal balance, which the PayPal Debit Mastercard can spend wherever Mastercard is accepted.
Serve — Serve offers Visa debit and prepaid cards with no credit check and no minimum balance, plus free early direct deposit when an employer submits payroll before payday.

More Banking apps

Topics

Direct Express API
SSA prepaid debit
lastDepositedAmount
federal benefits card
surchargeFree ATM
ACH card-to-bank transfer
Direct Express Mastercard
cardIsLocked
eDeliveryEnabled
benefit card transaction history

Need this app's data API integrated?

We deliver scoped integrations for any named app — from USD 500 with source-code handoff, or hosted access billed per call. Tell us the data you need.

NDA + SOW on every engagement
Delivery in 3–7 days
Payment only after acceptance
Work scoped to authorized use

Get a quote

Direct Express Data API: Benefit Deposits, Transactions & Transfers

Screenshots

API surface

Sign-in session

Cardholder person info

Search transactions

Export transactions

Spending by category

Nearby ATMs

Initiate card-to-bank transfer

Update linked bank account

Alert history

Update alert preferences

E-delivery statement settings

Update paper-statement preference

Replace card

Validate mailing address

Contact information

Data categories

Where teams use this data

SSA deposit reconciliation

Elder-fraud lock and spend alerts

Surcharge-free ATM routing

Card-to-bank leftover sweep

Frequently asked questions

Apps similar to Direct Express® Mobile

More Banking apps

5paisa: Demat, Stocks & IPO

Ajaib: Stock, Crypto, US Stock

AndroMoney

Angel One: Stocks, Mutual Fund

Topics

Need this app's data API integrated?

Direct Express Data API: Benefit Deposits, Transactions & Transfers

Screenshots

API surface

Sign-in session

Cardholder person info

Search transactions

Export transactions

Spending by category

Nearby ATMs

Initiate card-to-bank transfer

Update linked bank account

Alert history

Update alert preferences

E-delivery statement settings

Update paper-statement preference

Replace card

Validate mailing address

Contact information

Data categories

Where teams use this data

SSA deposit reconciliation

Elder-fraud lock and spend alerts

Surcharge-free ATM routing

Card-to-bank leftover sweep

Frequently asked questions

Related apps

Apps similar to Direct Express® Mobile

More Banking apps

5paisa: Demat, Stocks & IPO

Ajaib: Stock, Crypto, US Stock

AndroMoney

Angel One: Stocks, Mutual Fund

Topics

Need this app's data API integrated?