How to Change Your SSI or SSDI Direct Deposit Information

Need to switch banks or update where your benefits are sent? You’re not alone. Whether you’re setting up a new checking account, moving to a disability-friendly platform like Purple, or just replacing a closed account, changing your SSI or SSDI direct deposit is easier than you might think.

In this article, we’ll walk through:

1. Why you might need to update your direct deposit

2. What information you’ll need

3. The 3 ways to change it with SSA

4. How long it takes

5. What to watch out for during the switch

6. Why many people choose Purple when making the change

1. Why You Might Need to Change Your Direct Deposit

There are a few common reasons people update their benefit deposit info:

• You opened a new bank account or prepaid card

• You’re switching to a platform that helps you manage SSI/SSDI better

• You closed your previous account

• You want to receive your funds faster with early deposit

• You have a new rep payee or are updating the account title for compliance

No matter the reason, keeping your payment details up to date ensures you get your money without delay.

2. What You’ll Need to Make the Change

To update your direct deposit, have the following ready:

• Your new account number

• Your bank or provider’s routing number

• The name of the financial institution

• Your Social Security number (or the beneficiary’s, if you’re a rep payee)

• A photo ID, if you’re making the change in person

If you’re a representative payee, make sure the account is titled correctly (e.g. Jane Doe, Representative Payee for John Smith).

3. How to Update Your Direct Deposit

You can change your direct deposit in one of three ways:

Option 1: Online at SSA.gov

If you manage your own benefits, log in to your my Social Security account and update your banking info.

Option 2: Call SSA at 1-800-772-1213

You’ll need to verify your identity and provide your new account details. Be prepared for long hold times.

Option 3: Visit Your Local SSA Office

This option is best if you’re a rep payee, your situation is complex, or you need help making the change in person.

4. How Long Does It Take?

SSA usually processes direct deposit changes in 1–2 payment cycles. In some cases, it may take up to 30 days to fully update. You’ll want to keep your old account open during the transition to avoid missed payments.

As of March 2025, SSA has started processing changes faster for most people — in some cases, as soon as the next business day.

5. What to Watch Out For

• Don’t close your old account too soon. Wait until a successful payment hits your new account.

• Make sure the routing and account numbers are correct. Errors could delay your payment.

• If you’re a rep payee, check that the titling follows SSA guidelines.

• Monitor your payment schedule. If a deposit is missing, call SSA right away.

6. Why Switch to Purple?

Purple is a modern banking platform built for people receiving disability benefits. Whether you’re on SSI, SSDI, or both, we help you:

• Get your deposits up to 4 days early¹

• Track your balance and avoid going over the $2,000 SSI limit

• Store SSA documents securely

• Set up proper titling for rep payee or dedicated accounts

• Access friendly, human support when you need it

Changing your direct deposit destination to Purple only takes a few minutes—and could save you hours of stress down the road.

Ready to make the switch? Start with Purple.

Purple is a financial technology company, not a bank. Banking services are provided by OMB Bank, Member FDIC. The Purple Mastercard® Debit Card is issued by OMB Bank, Member FDIC, pursuant to license from Mastercard.

¹ Early access is not guaranteed and depends on payer timing. We generally make funds available on the day we receive the payment file, which may be up to 4 days early for government benefits like SSI or SSDI, and up to 2 days early for other deposits. Early access is available at no additional cost.