If you still receive Social Security benefits by paper check, that option ended on September 30, 2025. All recipients are now required to receive benefits electronically.
In this article, we'll cover:
- What changed with paper checks
- Your electronic payment options
- How to set up direct deposit
- What if you missed the deadline
- Benefits of switching to Purple
1. What Changed with Paper Checks
The Treasury Department phased out paper checks for federal benefits. As of September 30, 2025:
- No new paper checks are issued for Social Security
- All recipients must receive benefits electronically
- This applies to SSI, SSDI, and retirement benefits
Why the change:
- Paper checks are easily lost or stolen
- Mail delays cause payment problems
- Electronic payments are faster and more secure
- Reduces costs for the government
2. Your Electronic Payment Options
You have two main choices for receiving benefits electronically:
Direct Deposit to a Bank Account:
- Deposits go straight to your checking or savings account
- Works with any bank, credit union, or online bank
- Fastest option—often available days before paper checks would arrive
Direct Express Card:
- Government-issued prepaid debit card
- No bank account required
- Benefits loaded onto the card monthly
Important: Direct deposit to a bank account typically offers more features and flexibility than Direct Express.
3. How to Set Up Direct Deposit
If you haven't switched to direct deposit yet, here's how:
Online:
- Go to ssa.gov/myaccount
- Sign in or create an account
- Select "Direct Deposit"
- Enter your bank's routing number and your account number
- Submit
By phone:
- Call 1-800-772-1213
- TTY: 1-800-325-0778
- Hours: 8am-7pm local time
In person:
- Visit your local Social Security office
- Bring your bank information and ID
For Direct Express:
- Call 1-800-333-1795
- Or visit godirect.gov
4. What If You Missed the Deadline
If you were still receiving paper checks after the deadline:
Your payment may have been delayed: SSA likely held your payment until you set up electronic deposit.
Take action immediately:
- Set up direct deposit or Direct Express right away
- Contact SSA to confirm your payment status
- Ask about any payments that may have been held
Don't panic: SSA won't permanently take your benefits. They're waiting for you to set up electronic payment.
5. Benefits of Switching to Purple
Now that electronic deposit is required, consider using Purple:
Early direct deposit:
- Receive SSI/SSDI up to 4 days before the scheduled date
- Better than waiting for Direct Express or traditional bank processing
Built for disability benefits:
- SSI balance tracking and alerts
- ABLE account integration
- Rep payee support
No fees:
- $0 monthly fee
- $0 overdraft fees
- No minimum balance
Easy setup:
- Update direct deposit with SSA
- Start receiving benefits faster