Setting up direct deposit for your disability benefits is one of the smartest moves you can make. It's safer than paper checks, faster, and with the right account, you can even get paid early.
In this article, we'll cover:
- Why direct deposit matters
- What you need to get started
- Step-by-step setup instructions
- How long the switch takes
- How to get paid early with Purple
1. Why Direct Deposit Matters
Direct deposit has replaced paper checks as the standard way to receive federal benefits. Here's why it's better:
Safety: No risk of lost, stolen, or delayed mail
Speed: Money arrives on time (or early) every month
Convenience: No trips to the bank to deposit checks
Reliability: Automatic deposits you can count on
Important: As of September 30, 2025, paper Social Security checks are no longer issued. Direct deposit is now required for all recipients.
2. What You Need to Get Started
Before setting up direct deposit, gather this information:
- Your Social Security number
- Your bank's routing number (9 digits)
- Your account number
- Your bank's name and address
You'll also need access to one of these:
- A my Social Security online account
- A phone to call SSA
- Transportation to visit a local SSA office
3. Step-by-Step Setup Instructions
Option 1: Online (fastest)
- Go to ssa.gov/myaccount
- Sign in or create an account
- Select "Direct Deposit"
- Enter your new bank information
- Confirm and submit
Option 2: By phone
- Call SSA at 1-800-772-1213
- Hours: 8am-7pm local time, Monday-Friday
- TTY: 1-800-325-0778
- Provide your information to the representative
- Request confirmation of the change
Option 3: In person
- Visit your local Social Security office
- Bring ID and your bank information
- Complete Form SSA-1199A
- Submit and keep a copy for your records
4. How Long the Switch Takes
After submitting your direct deposit information:
- Processing time: 1-2 payment cycles
- First deposit: May still go to old account
- Full transition: Usually complete within 30-60 days
Important: Don't close your old account until you've confirmed deposits are going to your new account. This prevents missed payments.
5. How to Get Paid Early with Purple
With direct deposit set up, you can take advantage of early access to your benefits.
How it works:
- The SSA sends payment files before the official date
- Purple releases your funds as soon as we receive the file
- You may get access up to 4 days early
What you get with Purple:
- Early direct deposit at no extra cost
- Balance tracking for SSI limit compliance
- No monthly fees or overdraft charges
- ABLE account integration
- Notifications when deposits arrive