Social Security Paper Checks Ending: How to Switch to Direct Deposit or Direct Express for Federal Benefits?

Social Security Paper Checks: Big changes are coming for people who get federal benefits like Social Security and Supplemental Security Income (SSI). Starting after September 30, 2025, paper checks will mostly stop.

People will have to get their money electronically, either through Direct Deposit into a bank account or a Direct Express Debit Mastercard. The US Treasury says this move is to make payments safer and faster. Paper checks can be stolen, lost, or delayed, but electronic transfers arrive on time and are easy to track if problems happen.

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Social Security Direct Deposit

Direct Deposit sends your benefits straight into your checking or savings account. You get your money safely and it is ready as soon as the bank opens on the payment day. There are no check cashing fees, and you don’t have to worry about your check being stolen or delayed in the mail.

How to Sign up?

To sign up you can go to your local bank or credit union, or you can register online through the Treasury’s Go Direct portal. You can also call the Social Security Administration. You will need your Social Security number, some info from a recent benefit check, and your bank’s routing and account numbers.

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Direct Express Debit Mastercard

If you don’t have a bank account, the Direct Express Debit Mastercard is another way to get your benefits electronically. Your payments are added in the card, which you can use like any debit card to pay bills, shop, or take out cash at ATMs.

To enroll:

• Call the number you are provided and give your Social Security number, birth date, and benefit claim info.
• Some people can get a special waiver if they have unique circumstances.
• They can call or send a form to request an exception but most beneficiaries will have to make the switch before the deadline.