A major change is coming that will impact how a small but important group of Americans receive their Social Security benefits. Starting September 30, 2025, the Social Security Administration (SSA) will permanently stop mailing paper checks. From that date onward, all payments will be made electronically — either via direct deposit or a prepaid debit card.
Although the vast majority of recipients have already shifted to digital payments, this change still affects around 1% of beneficiaries who continue to rely on paper checks. If you’re one of them, you’ll need to act soon to avoid delays or disruptions in your monthly income.
SSA Is Phasing Out Paper Checks — Here’s Why
This decision isn’t sudden. It’s part of a long-standing effort by the SSA to modernize and streamline how benefits are paid out. The goal is to make payments faster, more secure, and cost-effective.
Why SSA Is Going All-Digital:
- Speed: Electronic payments are delivered much faster than traditional mail.
- Security: Paper checks are 16 times more likely to be lost or stolen, according to SSA data.
- Savings: Each direct deposit costs the government only 15 cents, while sending a paper check costs more than 50 cents. With millions of payments going out monthly, the potential savings are in the millions of dollars annually.
What Will Change for Recipients?
If you’re already receiving your Social Security, SSI, or disability benefits through direct deposit or the Direct Express® Debit Card, nothing will change. You don’t need to take any action.
However, if you’re still receiving paper checks, you’ll need to update your payment method before September 30, 2025. Here’s a quick summary:
| Current Method | What’s Changing | Action Required |
|---|---|---|
| Paper Check | Will no longer be available after Sept. 30 | Must switch to direct deposit or card |
| Direct Deposit | No change | No action needed |
| Direct Express® Card | No change | No action needed |
How to Receive Benefits Electronically
The SSA provides two secure electronic payment options:
- Direct Deposit to a Bank or Credit Union
- This is the fastest and most common method.
- Funds are deposited directly into your checking or savings account each month.
- Direct Express® Debit Card
- Ideal for people who don’t have a bank account.
- It works like a prepaid card where your benefits are automatically loaded each month.
- You can use it for purchases, bill payments, or ATM withdrawals.
How to Update Your Payment Details
Switching to electronic payments is quick and simple. You can choose any of the following methods:
- Online: Visit ssa.gov/myaccount and log into your “my Social Security” account.
- Phone: Call the SSA directly at 1-800-772-1213.
- In Person: Go to your nearest Social Security office for help.
- Go Direct Program: Visit www.godirect.gov or call 1-877-874-6347 to enroll.
Can You Request an Exception?
Yes, but only under specific circumstances. The SSA may approve exceptions for individuals who:
- Cannot open a bank account
- Have no access to direct deposit or prepaid card options
- Are facing severe personal or financial hardships
To apply for an exception, contact the SSA directly. Each request is reviewed individually, and approval is not guaranteed.
Mark Your Calendar: September 30, 2025
| Important Date | What It Means |
|---|---|
| September 30, 2025 | Last day SSA will send out paper checks |
After this deadline, any remaining paper check recipients who haven’t switched may face delays or interruptions in receiving their monthly benefits.
Make the Switch Today
The SSA’s move to go fully digital may not affect most people, but for those still depending on paper checks, this is a critical deadline. If you’re among that small group, take a few minutes now to update your payment method and ensure that your benefits continue without a hitch.
With more security, faster payments, and cost savings for taxpayers, going digital makes sense — and now, it’s no longer optional.
