Starting Sept. 30, 2025, the Social Security Administration will stop mailing paper checks. The agency is moving to fully electronic payments, a change it says will save money and improve reliability for nearly 74 million Americans.
Why this change is happening
The SSA says this long-anticipated shift is about efficiency, safety, and savings—not cutting benefits.
Only 1% of Social Security recipients still receive paper checks, but that adds up to nearly 750,000 people. Transitioning these recipients to digital payments is expected to save billions in administrative costs over time.
According to federal data:
- A paper check costs the government about 50 cents to issue
- An electronic transfer costs just 15 cents
- Over time, the SSA could save hundreds of millions per year
What recipients need to do now
If you still receive a paper check, you have two options:
- Enroll in direct deposit: Payments go directly to your bank or credit union account
- Sign up for a Direct Express® card: A government-issued prepaid debit card that reloads monthly
You can set up your electronic payment by:
- Calling SSA at 1-800-772-1213
- Visiting your local bank or credit union
- Registering online at ssa.gov
- Calling 1-800-333-1795 to enroll in Direct Express®
This move won’t affect the amount of your benefits or when you get them—just how they’re delivered.
Common concerns and answers
“I don’t use the internet.”
No problem. Direct deposits and Direct Express® don’t require internet access. You can still visit your bank or use your debit card in stores or at ATMs.
“It’s too complicated to set up.”
Setup is simple and only takes a few minutes. Help is available by phone or in person at your local bank or Social Security office.
“I need help managing money.”
Electronic payments can actually make budgeting easier. Funds arrive the same day each month, no waiting, no lost mail, and no bank trips just to deposit checks.
Why this is good news
According to the SSA, going digital has several benefits:
- More secure: No risk of lost or stolen checks
- More reliable: Payments arrive on time every month
- More convenient: No waiting for the mail or going to a branch
- More cost-effective: Frees up taxpayer dollars for other programs
What happens next?
If you’re still receiving a paper check, take action before Sept. 30, 2025 to avoid disruptions. Those who don’t switch in time could face delays in receiving their benefits.
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