How to Switch Your SSI or SSDI Direct Deposit to a New Account

Purple
Oct 5
2 min read

If you’re changing banks—or want an account that gives you more control—it’s important to switch your direct depositthe right way.

Whether you receive SSI, SSDI, or both, this guide walks you through how to:

Gather the info SSA needs
Submit your new account details
Avoid missed payments during the transition
Make sure your new account is benefits-friendly
Set up your deposit with Purple in minutes

1. What You’ll Need to Make the Switch

To change your direct deposit, you’ll need:

Routing number of your new account
Account number
Your Social Security number
A photo ID (if updating in person)

If you’re a representative payee, your new account must be titled correctly to follow SSA rules.

2. How to Update Your Direct Deposit

You can change your deposit online, by phone, or in person:

Online: Log in to your my Social Security account
Phone: Call SSA at 1-800-772-1213
In person: Visit your local SSA office with your new account info

SSA will update your direct deposit details, typically within 1–2 payment cycles.

3. How to Avoid Missed Payments

To keep things smooth:

Keep your old account open until your next deposit posts
Double-check your routing and account numbers
Look out for alerts from SSA confirming the change
If you’re a rep payee, make sure your new bank supports SSA-compliant titling

4. Choose a Benefits-Friendly Account

Not all banks are built with Social Security in mind. Be sure your new account:

Accepts SSA and Treasury deposits
Helps you stay under the SSI $2,000 asset limit
Offers tools to monitor your benefits and spending
Supports rep payee, dedicated, or ABLE-linked structures if needed

5. Why People Switch to Purple

Purple is built specifically for people who receive disability benefits like SSI or SSDI. When you switch to Purple:

Your benefits may arrive early¹ (up to 4 days for SSI, 2 days for SSDI)
You’ll get real-time alerts when your money hits
You can track spending, upload receipts, and monitor the $2,000 SSI limit
You can open rep payee, dedicated, and ABLE-connected accounts

It takes just a few minutes to set up—and we’ll help if you get stuck.

Ready to switch your direct deposit to Purple? Get started today.

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.