Starting September 30, 2025, the Social Security Administration (SSA) will no longer issue physical checks for monthly benefits.
This decision, led by SSA Commissioner Fran J. Bisignano, aims to modernize the system and prevent issues such as check fraud or loss. Moving forward, payments will be made in two ways for beneficiaries to choose from.
New Payment Methods: Direct Deposit or Direct Express Card
To accommodate this transition, beneficiaries can select from one of two new payment options:
- Direct Deposit: Payments can be directly transferred to a bank account, set up through the GoDirect.gov website or by calling 1-877-874-6347.
- Direct Express Card: If a bank account is unavailable, beneficiaries can opt for a Direct Express debit card, which will automatically load their monthly benefits.
Improvements to Social Security Services
In addition to the new payment options, the SSA has also introduced several upgrades:
Enhanced mySocialSecurity Platform: The platform will now be more reliable with reduced interruptions.
Shorter Wait Times: Wait times for in-person office visits will be significantly reduced.
More Efficient Phone Assistance: SSA will offer quicker, more personalized support over the phone.
Exceptions for Those Who Cannot Access Digital Payments
While this change marks a major step forward, it may pose challenges for certain groups, especially retirees and individuals with disabilities who lack access to digital platforms or transportation to visit SSA offices.
To address this, the SSA will make exceptions for beneficiaries who can demonstrate that physical checks are their only feasible payment option.
Action Needed Before September 30, 2025
Beneficiaries who still receive payments via physical checks must switch to one of the two new options before September 30, 2025, to avoid any potential delays or interruptions in their income.
After this date, physical checks will no longer be an option, and payments will be distributed through direct deposit or the Direct Express card.
Why This Change is Happening
The move to digital payments is intended to improve efficiency, reduce fraud, and lower administrative costs. Commissioner Fran J. Bisignano stated that eliminating physical checks will allow the SSA to “serve our beneficiaries better, speed up response times, and improve system security.”
