Millions of Americans must switch to electronic payments before September 30, 2025, or risk disruptions in receiving Social Security, SSI, SSDI, or other federal benefits.
Under a new Treasury Department mandate, paper checks will no longer be issued starting that date. This move, part of a broader executive order, aims to reduce fraud and save the federal government an estimated $750 million annually.
What You Must Do Before the Deadline
To continue receiving payments without interruption, you must enroll in an electronic payment method:
✅ Option 1: Direct Deposit
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Link your checking, savings, debit card, or fintech account (like Purple).
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Update your payment details through:
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The SSA website by logging into your account and choosing “Direct Deposit”
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Calling SSA at 1-800-772-1213
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Visiting your local Social Security office with a voided check or bank letter
Option 2: Direct Express Debit Card
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A prepaid debit card from the Treasury.
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No credit check required.
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Funds are automatically loaded monthly.
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Accepted anywhere Mastercard is used.
If you prefer, you can also print and mail a form from Go Direct or call the Treasury Electronic Payment Solution Contact Center at 1-877-874-6347.
What Happens If You Miss the Deadline?
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You won’t immediately lose payments, but the SSA may hold them until your electronic info is updated.
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Hardship exemptions may apply but must be approved by the U.S. Treasury.
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Paper checks will no longer be an option except in rare, approved cases.
How to Supplement Social Security Income
Given long-term uncertainties, the Senior Citizens League suggests planning ahead:
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401(k): Employer-sponsored, tax-deferred retirement savings, often with a match.
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IRA: Tax-advantaged retirement account offering flexible investment options.
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Consider starting early and contributing consistently to build a safety net.
If you’re receiving benefits or approaching retirement, act now to avoid delays or disruptions.
This article has been carefully fact-checked by our editorial team to ensure accuracy and eliminate any misleading information. We are committed to maintaining the highest standards of integrity in our content.
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