Starting September 30, 2025, the Social Security Administration (SSA) will no longer mail paper checks to recipients. That is, millions of Americans who still use paper checks will now receive their payments via direct deposit. For older folks and residents of rural towns without a bank account, this is a big deal.
Why the change is happening
The SSA says it’s part of a plan to modernise government payments and make them safer, faster, and cheaper. While fewer than 1% of Social Security beneficiaries still get paper checks, the agency argues it’s time to finish making the switch to electronic payments.
The reasons are simple:
- Faster payments: Electronic payments arrive on time, unlike paper checks that can be delayed by postal issues or acts of nature.
- Lower cost: It costs the U.S. Treasury around 50 cents to mail a paper check, but under 15 cents for an electronic transfer. With over 500,000 checks continuing to be mailed out each month, the savings add up.
- Improved security: Paper checks are 16 times more likely to be lost or stolen. Electronic payments lower the likelihood of fraud and missed payments.
The SSA has been moving in this direction for years. Since 2013, the overwhelming majority of new Social Security enrollees have been forced to receive benefits electronically. Now, it’s finally phasing out paper checks completely.
What you need to do
If you are still being paid in paper checks, you must choose an electronic payment option by September 30. If not, the SSA will put you on a government-backed prepaid debit card by default. These are your two choices:
1. Direct deposit
This is the easiest and most common option. Your Social Security money goes directly into your checking or savings account. You will need to provide your bank account and routing number to set it up. Direct deposit is fast and secure, and you can access your money just like before.
2. Direct express debit card
If you have no bank account or simply prefer not to use direct deposit, the Direct Express card is a safe option. It’s a prepaid government card that you can use exactly like a regular debit card. You can use it to get cash back, pay bills, and even shop. To sign up, log in to your my Social Security account or visit ssa.gov/deposit.
Tips for a smooth transition
Switching to electronic payments can be intimidating, but a few simple steps can make it easier:
- Act early: Do not wait and enroll at the last minute. Allow some time before the September 30 deadline.
- Ask for help: SSA representatives can assist you by phone, through the Internet, or in an office. They can take you step by step through the process.
- Check your accounts: When you switch, make sure the money goes into your bank or your Direct Express card.
- Be wary of scams: The SSA will never ask for your details through email or text. They will never hold your money or ask you to buy gift cards to protect your money.
How to choose between direct deposit and direct express
If you bank, direct deposit is probably easiest. Sharing your account and routing numbers only allows deposits, so nobody can withdraw money without your permission.
If you do not have a bank account, the Direct Express card is a convenient, safe way to receive your Social Security benefits. It gives you access to your money without risking loss.
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Don’t stress; help is available
While the death of paper checks may appear sudden, the SSA is committed to helping citizens navigate the change. If you need help, call your local SSA office, dial their hotline, or check out their website.
Electronic payments are meant to make life easier in the future, but a little preparation beforehand can prevent any issues with your Social Security checks.
Electronic payments are faster, safer, and more reliable. Changing is stressful, but changing early will have your benefits coming without a problem. Remember: the deadline is September 30, 2025.
