How to Update Your SSI Direct Deposit Information Online

If you need to switch the bank account where your Supplemental Security Income (SSI) gets deposited each month, the process is now easier than ever — and faster too.

You no longer have to visit your local Social Security office or wait 30 days to make the change. Thanks to a recent update from the Social Security Administration (SSA), most people can now change their direct deposit online, and it takes effect within 1 business day.

This article covers:

1. Why you might want to update your direct deposit

2. What you’ll need before you start

3. How to update your SSI direct deposit online

4. How Purple can help simplify everything

1. Why Change Your SSI Direct Deposit?

There are many good reasons to update your bank info:

• You switched banks or opened a better account

• Your old card stopped working

• You want early access to benefits¹

• You need a rep payee or dedicated account structure

• You want better fraud protection or alerts

If you’re using a general prepaid card or traditional bank, you might be missing out on features built for SSI recipients — like what Purple offers.

2. What You’ll Need Before You Start

To update your direct deposit online, make sure you have:

• A my Social Security account: ssa.gov/myaccount

• Your new routing number and account number

• Your identity verified with ID.me or Login.gov (SSA now requires this)

• Access to your email or phone for 2FA login

If you’re updating the info for someone else (like a family member you serve as rep payee for), you’ll need to be listed as the payee on file with SSA.

3. How to Update Your Direct Deposit for SSI

Here’s how to do it:

1. Go to ssa.gov/myaccount and log in

2. Click “Manage Direct Deposit”

3. Enter your new account details

4. Confirm and submit

Note: As of March 31, 2025, changes take effect within 1 business day, not 30 days as before. This update helps prevent fraud and speeds up access to your benefits.

4. Why People Are Switching to Purple

Purple is purpose-built for people receiving SSI, SSDI, or managing benefits for a loved one.

With Purple, you can:

• Get paid up to 4 days early¹

• Stay under the $2,000 asset limit

• Open accounts for rep payee, dedicated, or ABLE savings use

• Track your deposits in real time

• Get friendly support if anything goes wrong

No confusing fees². No complicated rules. Just a better way to bank with benefits.

Ready to get started with Purple?

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.

² See our fee schedule for complete details