How to Switch Your Direct Deposit from Propel to Purple (Before It’s Too Late)
- Purple
- Apr 3
- 3 min read
Propel is sunsetting its checking account — here’s how to move your benefits to a better alternative
Introduction: Propel Is Ending Their Checking Account—What Now?
If you’ve been using the Propel card to receive your SSI, SSDI, or other government benefits, you may have heard the news:
🚨 Propel is sunsetting its checking account.
This means your direct deposit will soon be discontinued, and you’ll need to find a new account — fast.
If you're wondering:
💳 “Where should I move my direct deposit?”
🕒 “How long does it take?”
✅ “Is there an account built for people like me?”
You're in the right place. This post will show you how to switch from Propel to Purple — a financial platform designed specifically for people receiving disability and government benefits.
Why Purple Is the Best Alternative to Propel
Purple is more than a checking account — it’s a financial safety net for people on benefits.
✅ Built for SSI, SSDI, and SSA recipients
Get your benefits deposited directly into Purple, including:
SSI
SSDI
VA benefits
SSA retirement
Child and survivor benefits
✅ No hidden fees
No overdraft fees
No minimum balance
FDIC-insured through Purple’s bank partner
✅ Designed to protect your benefits
Balance alerts to help you stay under SSI’s $2,000 limit
Deposit tracking by source
Companion AI to answer questions like:
“Will this deposit affect my benefits?”“Has my SSI check arrived yet?”
How to Switch Your Direct Deposit from Propel to Purple
Switching is easier than ever — especially with new SSA rules that allow direct deposit updates to process in just 1 business day starting March 31, 2025.
Step 1: Open a Purple Account
If you haven’t already, sign up for Purple here. It takes just a few minutes.
You’ll get:
Your new routing number
Your new account number
A debit card
Step 2: Update Your Direct Deposit with SSA or Your Benefits Provider
Depending on your benefit type, here’s how to switch:
👉 For SSI or SSDI (Social Security):
Option 1: Update online
Visit: ssa.gov/myaccount
Log in or create an account
Go to “Direct Deposit” and enter your new Purple routing and account number
Option 2: Call SSA
📞 1-800-772-1213
Tell them you want to switch your direct deposit
Be ready to confirm your new account info
👉 For VA Benefits:
Visit: va.gov/change-direct-deposit
Or call the VA benefits line at 1-800-827-1000
👉 For other state or local benefits:
Contact your state benefits office (SNAP, TANF, etc.)
Some states allow changes through their online portals
Step 3: Confirm the Switch
Once your update is complete, your next benefit check will be sent to your new Purple account.
💡 SSA says direct deposit changes now process within 1 business day after identity verification — no more 30-day holds.
What to Know About the March 2025 SSA Rule Change
Starting March 31, 2025, the Social Security Administration has updated its identity verification process.
Direct deposit updates will now process in 1 business day
You may need to verify your identity if updating by phone or in person
Using my Social Security online is the fastest and most secure option
FAQs About Switching from Propel to Purple
⚠️ Is Propel really shutting down its checking account?
Yes — Propel recently announced that their banking services will be discontinued. You must switch your direct deposit to keep getting paid.
⚠️ How fast can I switch to Purple?
You can open an account in minutes — and once you update SSA, your deposit could arrive in as little as 1 business day.
⚠️ What if I’m on SSI and worried about the $2,000 limit?
Purple helps you track your balance in real time and sends alerts if you're getting close.
⚠️ Will I lose my benefits if I don’t switch?
You won’t lose your eligibility, but if SSA or your benefits provider doesn’t have an active deposit account, your payments could be delayed or returned.
Conclusion: Don’t Wait—Switch to Purple Today
✅ Propel is shutting down their checking account
✅ You can switch to Purple in just a few minutes
✅ Purple is designed for people on SSI, SSDI, and other government benefits
✅ Get your money fast — with no hidden fees, ever
💜 Open a Purple account today and get paid with peace of mind.