Switching your SSI or SSDI direct deposit to a new bank account is easier than you might think. Whether you're leaving a bank that's charging too many fees or moving to an account with better features, the process only takes a few minutes.
In this article, we'll cover:
- When to switch your direct deposit
- Three ways to update your account with SSA
- What information you'll need
- How long the change takes
- How to avoid missed payments
- Why Purple is a great choice for SSI and SSDI recipients
1. When to Switch Your Direct Deposit
Common reasons people switch their benefit deposit account:
- Your current bank charges monthly fees or overdraft fees
- You're closing an old account
- You want earlier access to your benefits
- You need better budgeting tools
- Your bank doesn't have convenient locations or good customer service
Whatever your reason, you have the right to receive your benefits at any bank or credit union you choose.
2. Three Ways to Update Your Account with SSA
Option 1: Online through my Social Security
The fastest method. Log in to your my Social Security account and:
- Select "Payment Information"
- Click "Change Direct Deposit"
- Enter your new bank's routing and account numbers
- Confirm and submit
Option 2: By Phone
Call the Social Security Administration 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 bank information ready.
Option 3: In Person
Visit your local Social Security office with:
- Your new bank's routing and account number
- A government-issued ID
- Your Social Security card (if available)
Important: Never give your bank information to anyone who contacts you claiming to be from SSA. The SSA will never call, text, or email asking for your banking details. Always initiate contact yourself.
3. What Information You'll Need
Before you start, gather:
- Routing number — The 9-digit number identifying your bank
- Account number — Your specific account number
- Account type — Checking or savings
You can find routing and account numbers on a check, in your bank's mobile app, or by calling your new bank directly.
4. How Long the Change Takes
Most direct deposit changes take effect within one to two payment cycles. This means:
- If you update early in the month, your next payment may go to the new account
- If you update close to your payment date, it might take until the following month
SSA recommends keeping your old account open until you confirm the first deposit arrives in your new account.
5. How to Avoid Missed Payments
Follow these tips to ensure a smooth transition:
- Don't close your old account too soon — Wait until you see the deposit in your new account
- Double-check your numbers — One wrong digit can send your payment to the wrong place
- Update early in the month — Give SSA time to process before your next payment date
- Set up alerts — Turn on notifications at both banks so you know when deposits arrive
Important: If a payment goes to a closed account, it will be returned to SSA. You'll still get your money, but it may take extra time and require a paper check.
6. Why Purple Is a Great Choice for SSI and SSDI Recipients
Purple was built specifically for people who receive government benefits. Here's why SSI and SSDI recipients are making the switch:
Get Paid Up to 2 Days Early
Purple offers early direct deposit, so you can access your benefits as soon as they're sent — often two days before the official payment date.
No Monthly Fees
Keep more of your benefits. Purple doesn't charge monthly maintenance fees, minimum balance fees, or hidden charges.
Tools Designed for Benefit Recipients
- Track your spending with automatic categories
- Set aside money for bills with sub-accounts
- See your balance in real-time
- Get notifications when your deposit arrives
Easy to Switch
Switching your direct deposit is a small step that can make a big difference in how you manage your benefits. With the right account, you get faster access, fewer fees, and tools that actually help.