Social Security to Fully Transition to Electronic Payments

According to the SSA’s July 2025 update, the transition aligns with long-standing federal policy promoting direct deposit and prepaid debit card options. Currently, more than 99% of beneficiaries already receive their payments electronically. The remaining 1%—approximately 550,000 recipients—will need to enroll in an approved electronic payment method before the change takes effect.

Recipients can choose to receive their benefits either through direct deposit into a bank or credit union account, or via the Direct Express® Debit Mastercard®. Individuals who do not select a payment option will automatically be enrolled in the Direct Express program.

The SSA first began promoting electronic payments in 1996, citing cost savings and increased reliability. Since then, it has phased in various initiatives to encourage participation, including a 2013 rule requiring most new enrollees to opt for direct deposit or a prepaid card.

The SSA emphasized that this transition will not change benefit amounts or payment schedules. It is intended solely to streamline the delivery process. The agency is working with advocacy groups, financial institutions, and community partners to ensure that individuals—particularly older adults and those without easy access to banking services—are informed and supported during the shift.

Local residents who currently receive paper checks are encouraged to contact the SSA or visit www.ssa.gov for more information on how to switch to electronic payments.

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