The US government has begun phasing out paper checks for unbanked Americans who receive federal benefits, adding to the ranks of millions who rely on Direct Express prepaid cards. The problem: that program is a mess. The US government has begun phasing out paper checks for unbanked Americans who receive federal benefits, adding to the ranks of millions who rely on Direct Express prepaid cards. The problem: that program is a mess. by Soban News (international And National News)