Social Security is ending paper checks for benefit payments: How to enroll in electronic deposit
The Social Security Administration (SSA) will no longer issue paper checks for benefit payments beginning Sept. 30, 2025.
“This change is part of a broader government-wide initiative to modernize payment systems and enhance service delivery. By moving to electronic payments exclusively, we aim to improve efficiency, security, and ensure beneficiaries receive their monthly benefits promptly,” said the administration.
Here’s what to know about the changes and how to enroll.
Who does this affect?
The change will primarily affect a small group of beneficiaries who have not made the switch to electronic payment methods yet, per the SSA. Less than 1% of beneficiaries are enrolled in paper checks and are encouraged to enroll in direct deposit or opt for the Direct Express card to receive their monthly benefits on time.
Why is SSA transitioning to electronic payments?
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Speed and Efficiency: Electronic Funds Transfers (EFTs) are processed more quickly than paper checks, helping beneficiaries receive their payments on time without delays.
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Cost Savings: According to the U.S. Department of the Treasury, issuing a paper check costs about 50 cents, whereas an EFT costs less than 15 cents. This shift could save the federal government millions of dollars annually.
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Enhanced Security: Paper checks are 16 times more likely to be lost or stolen compared to electronic payments, increasing the risk of fraud. Electronic payments provide a safer, more secure way to receive benefits.
How is SSA helping with the transition?
The SSA is currently sending notices to individuals who receive paper checks to explain the upcoming changes and outline the benefits of switching to electronic payments. All benefit checks will also include an insert “explaining the steps a beneficiary can take to transition to electronic payments, and our technicians are ready to assist,” said the SSA.
What are the new Social Security payment options?
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Direct Deposit: Beneficiaries should enroll in direct deposit with their financial institution. Payments can be deposited directly into your checking or savings account.
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Direct Express Card: For people without a bank account, the Direct Express card is a prepaid debit card designed specifically for federal benefit payments.
Links to start the process
To update payment information, visit my Social Security account online. You can also visit https://www.ssa.gov/deposit/ to enroll in direct deposit or obtain a Direct Express Card.
A United States Treasury government check rests on top of a Social Security card.
Nina Tran covers trending topics for The Greenville News. Reach her via email at ntran@gannett.com
This article originally appeared on Greenville News: Social Security Administration’s switching to electronic payments only