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This is true whether you’re using direct deposit or the Direct Express debit card. However, that is not always the case. Direct Express cardholders complain about the pending deposit process.
If you are asking if you can take out cash or use your Direct Express card as a method of payment prior to your monthly Social Security payment is fully cleared then the answer is no. A Direct Express card is considered a debit card, it is not a credit card and as such funds will never be loaned.