The Treasury chose BNY Mellon for its wide range of customer service options that cater specifically to the unique needs of the Direct Express cardholders.

Fortunately, getting a replacement is not as difficult as it seems. Many SSDI and SSI recipients receive their funds through the Direct Express card issued by the Social Security Administration (SSA).

With the Direct Express card program, we deposit your federal benefit payment directly onto your card. Your monthly benefits will be available on your payment day - on time, every time.

Only current Direct Express card holders are eligible to receive the latest stimulus payment on their card.

The majority of stimulus payments for federal benefit recipients will be issued as direct deposits and to existing Direct Express card accounts, the IRS said.

The Direct Express program has received plenty of scrutiny over the last year. Last summer, Comerica temporarily suspended a component of its prepaid card program after a flurry of fraud cases.

BNY Mellon has been appointed as the financial agent for the U.S. Treasury's Direct Express program, enhancing services for 3.4 million cardholders.