How Do I Switch My SSA Direct Deposit to a New Bank?

Move your Social Security benefits safely and easily

Introduction: Ready to Change Where Your Benefits Go?

If you receive Social Security benefits like SSI or SSDI, you might be asking:

🏦 “How do I change my direct deposit account?”

💳 “How long does it take to update?”

⚖️ “Will my benefits get delayed?”

The short answer:

✅ You can switch your SSA direct deposit to a new bank account quickly and easily — and it usually takes just one business day to update.

This post explains:

✅ How to update your direct deposit step by step

✅ What to prepare before making the switch

✅ What to expect after changing

✅ How Purple makes it seamless

1. Why Switch Your Direct Deposit?

People often change accounts because:

• Their old bank charges too many fees

• They want faster or early deposits

• They want better customer support

• They need features designed for disability benefits (like Purple offers!)

2. What You Need Before Updating

✅ New bank account number

✅ New bank routing number

✅ Your Social Security number

✅ Your current SSA benefit info

💡 With Purple, you get your new account and routing number right after opening your account online.

3. How to Update Your Direct Deposit

💻

Online

• Log in to your my Social Security account

• Go to “Direct Deposit”

• Enter your new account and routing numbers

• Submit and confirm

📞

By Phone

• Call SSA at 1-800-772-1213

• Provide your new banking details over the phone

🏢

In Person

• Visit your local SSA office

• Bring your new account information and valid ID

4. How Long Does It Take?

✅ SSA updates direct deposit information within 1 business day (as of 2025).

Your next scheduled payment should arrive in your new account without interruption.

5. Will There Be a Gap in Payments?

No — your payment should continue as normal, as long as you don’t close your old account until you confirm your first deposit in the new account.

6. Why Switch to Purple for SSA Direct Deposit?

💜 Get Paid Up to 4 Days Early

Access your Social Security or disability benefits faster.

💜 Real-Time Alerts

Know the moment your money arrives.

💜 Smart Deposit Tagging

Easily identify SSA payments and other deposits.

💜 Companion AI Support

Our Companion AI helps guide you step by step through the direct deposit switch.

FAQs About Changing SSA Direct Deposit

⚠️ Do I need to notify my old bank?

No — but keep your old account open until your first deposit hits the new account.

⚠️ Can I switch to a prepaid card?

Yes — as long as it accepts direct deposit and is in your name.

⚠️ Will SSA stop my payments if I switch?

No — benefits continue without delay if done correctly.

⚠️ Is Purple FDIC insured?

Yes — through our partner bank, your deposits are fully FDIC insured.

Conclusion: Switch Easily, Get Paid Faster

✅ Switching your direct deposit is quick and safe.

✅ Update online, by phone, or in person — it only takes a day.

✅ With Purple, get faster access and better tools to track your benefits.

💜 Open your Purple account today and move your SSA deposits with confidence.