Big changes are on the way for millions of Americans who still rely on paper checks for their monthly Social Security benefits.

Starting September 30, 2025, those familiar envelopes will no longer arrive in the mailbox.

Instead, nearly all payments will move to electronic methods like direct deposit or prepaid debit cards.

This change affects Social Security, Supplemental Security Income (SSI), and other federal benefits—making it one of the biggest shifts in how payments are delivered in years.


The Social Security Administration (SSA) has been urging recipients to prepare for the transition well before the cutoff.

The move comes after the White House’s executive order from March 2025 aimed at modernizing payments and cutting down on risks tied to paper checks.

For seniors and retirees, this change might feel overwhelming, but the good news is that switching is simple and comes with added protections.

Paper checks have long been part of the federal benefits system, but they come with high costs, delays, and vulnerabilities. Lost mail, stolen checks, and fraud have all been concerns in the past.

Electronic payments, on the other hand, are faster, safer, and far more efficient for both recipients and the government.

Nick Perrine, the SSA’s chief communications officer, put it simply: “Electronic payments offer significant advantages over paper checks, including faster access to funds, increased security, and greater convenience.”

No more waiting for the mail carrier or worrying about checks being stolen from your mailbox. Your money goes straight to your bank account or prepaid card—like clockwork.

What’s Changing—and What’s Not​

1. No More Paper Checks: After September 30, 2025, the vast majority of Social Security, Supplemental Security Income (SSI), and other federal benefit payments will be made electronically.
2. No More “Temporary Check Option”: The SSA is also ending its “temporary check option” for new claims. If you’re applying for benefits for the first time, you’ll need to set up electronic payments from the get-go.
3. Exemptions Are Rare: If you have a compelling reason you can’t use electronic payments, you can request a waiver by calling the US Treasury at 1-877-874-6347. But be prepared: exemptions are granted only in very limited circumstances.

Also read: IRS announces payment changes starting September 30—what it could mean for you

How to Make the Switch—Step by Step​

Ready to go digital? Here’s how to ensure your benefits keep flowing without a hitch:

1. Direct Deposit to Your Bank Account​

This is the gold standard for most folks. If you already have a checking or savings account, you can set up direct deposit in a few easy steps:

• Online: Log in to your my Social Security account at www.ssa.gov/myaccount. You can update your direct deposit information there.
• By Phone: Call the SSA at 1-800-772-1213. They can walk you through the process.
• In Person: Visit your local Social Security office if you prefer face-to-face help.

2. Direct Express® Debit Card​

Don’t have a bank account? No problem! The Direct Express® card is a prepaid debit card designed just for Social Security and federal benefit recipients.

Your payments are loaded onto the card automatically each month, and you can use it anywhere Mastercard is accepted, withdraw cash at ATMs, or pay bills online.

• To Enroll: Call 1-800-333-1795 or visit www.usdirectexpress.com.

3. For New Applicants​

If you’re about to start receiving benefits, set up your electronic payment method during your application process.

The SSA recommends having your bank account information handy (routing and account numbers) or being ready to sign up for Direct Express®.

4. Need an Exemption?​

If you are unable to use electronic payments due to a disability, lack of access to banking, or other serious hardship, call the US Treasury at 1-877-874-6347 to request a waiver. SSA technicians are also available to help answer questions and guide you through the process.


Also read: Social Security benefits could soon be easier to understand under Rep. Smucker’s new bill

The Perks of Going Paperless​

Still feeling hesitant? Here are a few more reasons to embrace the change:

• Faster Access: No more waiting for the mail. Your money is available on payment day.
• Less Hassle: No trips to the bank to deposit checks.
• More Security: Electronic payments are much harder to lose or steal.
• Eco-Friendly: Less paper means a greener planet for our grandkids.

Tips for a Smooth Transition​

• Double-Check Your Info: Make sure your bank account or Direct Express® details are correct.
• Watch for Scams: The SSA will never call or email you asking for your Social Security number or bank info out of the blue. If you get a suspicious call, hang up and call the SSA directly.
• Keep Records: Save confirmation numbers and any correspondence about your payment method change.

Read next: Social Security launches major website redesign that could change how you manage your benefits
Are you ready for the switch? Have you already gone paperless, or do you have questions or concerns about the process? Maybe you’ve got a tip for making the transition easier, or a story about why you prefer electronic payments.