Switching your Social Security direct deposit to a new bank account is easier than you might think. Whether you're moving from an old bank or setting up direct deposit for the first time, this guide walks you through every step.
In this article, we'll cover:
- What you'll need before you start
- How to switch online through mySocialSecurity
- How to switch by phone or in person
- How long the switch takes
- Tips to avoid payment gaps
1. What You'll Need Before You Start
Before you begin the switch, gather this information:
From your new Purple account:
- Your Purple routing number
- Your Purple account number
You can find both numbers in the Purple app under Account Details or Settings. Make sure you copy them exactly—even one wrong digit can delay your payment.
For verification:
- Your Social Security number
- Your current mailing address (as SSA has it on file)
- Your date of birth
If you use mySocialSecurity online, you'll also need your login credentials.
2. How to Switch Online Through mySocialSecurity
The fastest way to update your direct deposit is through your online mySocialSecurity account:
Step 1: Go to ssa.gov and log into your mySocialSecurity account
Step 2: From your account homepage, look for "Change Direct Deposit" or find it under "My Profile"
Step 3: Select "Update Direct Deposit"
Step 4: Enter your new bank information:
- Bank name: Purple / Evolve Bank & Trust
- Routing number: (found in your Purple app)
- Account number: (found in your Purple app)
- Account type: Checking
Step 5: Review and confirm your changes
Step 6: Save or print the confirmation for your records
Important: If you don't have a mySocialSecurity account yet, you can create one at ssa.gov. You'll need to verify your identity, which may take a few minutes.
3. How to Switch by Phone or In Person
If you prefer not to use the online system, you have other options:
By phone: Call SSA at 1-800-772-1213 (TTY: 1-800-325-0778). Representatives are available Monday through Friday, 8 AM to 7 PM local time. Have your new account information ready.
In person: Visit your local Social Security office. You can find the nearest office at ssa.gov/locator. Bring identification and your new account information.
By mail: You can submit a Direct Deposit Sign-Up Form (SF-1199A) by mail, but this is the slowest option and not recommended if you need the change processed quickly.
4. How Long the Switch Takes
After you submit your change, here's what to expect:
Processing time: SSA typically processes direct deposit changes within 1-2 business days.
First payment timing: The change usually takes effect within one to two payment cycles. If you make the change close to your payment date, your next payment may still go to your old account.
Confirmation: You won't receive a separate confirmation letter for direct deposit changes made online. Your next benefit payment arriving in your new account serves as confirmation.
Important: Keep your old bank account open until you've verified that at least one payment has successfully arrived in your Purple account. This prevents any gap in receiving your benefits.
5. Tips to Avoid Payment Gaps
Follow these best practices for a smooth transition:
Time it right: Make the change at least 2-3 weeks before your next payment date. This gives SSA time to process the update before your next deposit.
Don't close your old account too soon: Wait until you've confirmed your first deposit in Purple before closing your previous account. If something goes wrong, your payment will still have somewhere to go.
Double-check your numbers: Routing and account number errors are the most common cause of delayed payments. Verify each digit before submitting.
Monitor both accounts: During the transition, check both your old and new accounts around your payment date. This helps you catch any issues quickly.
Save confirmation details: If you make the change online, take a screenshot or note the confirmation. This helps if you need to follow up with SSA.
Why Switch to Purple?
Purple is built specifically for people receiving Social Security, SSI, and SSDI. Here's what you get:
- Early direct deposit — Get your benefits up to 4 days before the official payment date
- No monthly fees — Ever
- No minimum balance requirements — Spend your money without penalties
- No overdraft fees — We don't charge you for mistakes
- Accessible design — Clear, simple interface that's easy to use
- Benefits-focused features — Tools designed for people managing SSA income
Ready to Make the Switch?
Updating your direct deposit takes just a few minutes and can get you access to your benefits days earlier. Plus, you'll never pay monthly fees or overdraft charges again.