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Direct express cardless benefit is the same as direct express emergency cash. It allows you to get up to $1,000 from your direct express card account without your card in. Direct express emergency cash is a program that provides quick access to funds for individuals who receive federal benefit payments through the direct express debit mastercard program. The cash is available within a. How to get emergency money when you need it the most. Personal loans can be a lifeline when unexpected expenses occur. They provide a fast and.