If you have a Direct Express® debit card for receiving Social Security benefits, you can get cash by: Using an ATM: You can use your Direct Express® card at ATMs that accept the card to withdraw cash. Some ATMs may charge a fee, depending on the network and location. Cash Back at Retail Locations: Many stores allow you to get cash back with a purchase, using the card's debit option. Over-the-Counter Withdrawals: Some bank branches or credit unions may allow you to make over-the-counter cash withdrawals using the card.