Direct deposit early availability depends on timing of payor’s payment instructions, and fraud prevention restrictions may also apply. As such, the availability or timing of early direct deposit may vary from payroll period to payroll period. If you haven’t received a direct deposit that you are expecting, it’s because we haven’t received the payment instructions from your employer or benefits provider.

If you are concerned about the status of your direct deposit, make sure the name and Social Security or identification number on file with your employer matches what’s on your Xpectations! Plus Debit Card account exactly. Xpectations! Plus will not be able to deposit your payment if this information doesn’t match exactly.

If you still need help with a payroll direct deposit, then follow these steps:

1. Contact your employer to verify that the direct deposit was sent. If so, ask them for the TRACE # of your direct deposit transaction.
2. Once you have the TRACE #, call Xpectations! Plus Customer Support at (855) 967-1066 and Xpectations! Plus will investigate the transaction.

NOTE: If you recently reported your card lost or stolen, please be sure to tell the Xpectations! Plus Customer Support Specialist.

If you enrolled in direct deposit for federal benefits, you should contact the agency that administers your benefit.

– Social Security and Supplemental Security Income:
Check the calendar of Social Security Payments to see when your payment should arrive. If you don’t receive your payment on the date indicated on the calendar, contact the Social Security Administration at (800) 772-1213 or visit the Social Security website.

– Veterans Benefits:
Check the Veterans Benefits Pay Schedule to see when your payment should arrive. If you don’t receive your payment on the date indicated on the Payment Schedule, contact the Department of Veterans Affairs Direct Deposit Center at (877) 838-2778 or visit the US Department of Veterans Affairs website.

– Federal Civil Service:
Check the Annuity Check Payment Schedule to see when your payment should arrive. If you don’t receive your payment on the date indicated on the Payment Schedule, contact the Office of Personnel Management / Civil Service at (888) 767-6738 or visit the Office of Personnel Management website.