If you currently receive your Social Security benefits by paper check, you’ll need to take action soon. Starting September 30, 2025, federal benefit payments will switch almost entirely to electronic payments. This change is happening to make payments safer, faster, and easier for everyone.
What This Means for You
- Paper checks will be phased out. After September 30, most benefits will be delivered electronically.
- Faster access to money. Payments are deposited directly into your account or prepaid card.
- No more lost or stolen checks. Electronic payments are more secure.
- Less hassle. No need to wait for the mail or go to the bank to cash a check.
How to Get Your Benefits Electronically
- Direct Deposit – If you have a checking or savings account, set up direct deposit through your my Social Security account or call 1-800-772-1213 for help.
- Direct Express® Card – Don’t have a bank account? You can use this prepaid debit card option. To enroll, call 1-800-333-1795 or visit usdirectexpress.com.
Need Help?
If you want to request an exemption, you must file a waiver with the U.S. Treasury by calling 1-800-967-5042. SSA staff are available to answer questions and guide you through the process.
Take steps now to make sure your benefits continue without interruption after September 30, 2025.