For decades, some Social Security recipients held on to the traditional way of receiving their monthly benefits—paper checks in the mail. That practice is coming to a close.
Beginning September 30, 2025, the Social Security Administration (SSA) will end nearly all paper check payments, requiring the remaining recipients to switch to electronic methods.
Why Paper Checks Are Ending
The change is part of a modernization effort designed to:
Reduce fraud and theft.
Cut administrative costs.
Deliver payments more efficiently.
According to the Treasury Department, paper checks are 16 times more likely to be lost or stolen compared to electronic transfers. Mailing checks also costs more than three times as much as direct deposit.
How Many People Will Be Affected
While more than 99% of beneficiaries already receive their money through direct deposit or prepaid debit cards, about 400,000 people still depend on paper checks. This smaller group will need to make the switch before the deadline to avoid interruptions.
Options for Electronic Payments
Beneficiaries have two main choices for receiving their benefits electronically:
Direct deposit into a traditional bank account.
Direct Express prepaid debit card, a safe option for people without bank accounts.
The SSA has already started contacting those affected with instructions. Changes can also be made online through SSA.gov.
Who Qualifies for Exemptions?
Some individuals will be allowed to continue receiving paper checks if they qualify for an exemption, such as:
People over age 90.
Those with serious mental impairments.
Residents of areas without access to banking services.
Exemptions must be approved by the Treasury Department and will be decided on a case-by-case basis.
What Happens If You Don’t Switch?
Failing to update payment preferences could result in delayed or interrupted benefits. Officials strongly encourage recipients to act early to avoid disruptions.
By the fall of 2025, Social Security will move almost entirely away from paper checks, a shift that reflects cost savings, improved security, and faster service. While a limited number of waivers will be granted, the vast majority of beneficiaries must switch to direct deposit or the Direct Express card.
For those still receiving paper checks, taking action now will ensure uninterrupted benefits in the years ahead.
