The Social Security Administration (SSA) has announced a major change coming on September 30, 2025: the agency will stop issuing paper checks and move entirely to electronic payments.
While most people already get their benefits through direct deposit, about 500,000 recipients—just 0.8% of all beneficiaries—still receive paper checks.
This shift is designed to make payments safer, faster, and more cost-effective. Here’s everything you need to know about the change, why it’s happening, and how to prepare.
Why the Change Is Happening
The SSA says moving to electronic payments will:
- Prevent fraud and theft by reducing stolen or lost checks.
- Avoid mail delays, ensuring people receive benefits on time.
- Save money, since each paper check costs about 50 cents to send compared to just 15 cents for an electronic transfer.
- Make life easier for recipients by eliminating trips to the bank.
This transition has been in the works for years, and the final deadline is now set for the end of September.
How Many People Are Affected?
| Category | Details |
|---|---|
| Total beneficiaries | ~65 million |
| Still on paper checks | ~500,000 |
| Percentage affected | 0.8% |
| Government cost per paper check | $0.50 |
| Government cost per electronic payment | $0.15 |
Though the percentage is small, that’s still half a million people who need to act now.
What You Need to Do Before Sept. 30
1. Set Up a Bank Account
If you don’t already have one, open a checking or savings account at a bank or credit union. You’ll need the routing and account numbers to complete the setup.
2. Enroll in Direct Deposit
- Use your My Social Security account to add your banking information.
- Or call 1-800-772-1213 for help.
3. Choose a Direct Express Debit Card
If you don’t want a bank account, you can enroll in the Direct Express® Debit Mastercard® program. Call 1-800-333-1795 or visit.
Why Electronic Payments Are Safer
- No more lost or stolen checks.
- Faster access to money—funds are deposited directly and often available the same day.
- Reliable delivery, unaffected by postal delays.
- Stronger fraud protection thanks to secure transfers.
What Happens If You Don’t Act
If you fail to switch by September 30, your benefits could be delayed. The SSA is urging affected beneficiaries to act immediately to avoid disruptions. Notices have already been sent to paper-check recipients reminding them of the deadline.
Benefits of the Transition
| Benefit | Impact |
|---|---|
| Speed | Direct deposits arrive quickly and on time |
| Security | No risk of check theft or loss |
| Convenience | No bank visits required |
| Cost savings | Saves taxpayers millions annually |
| Eco-friendly | Eliminates paper and postage |
The SSA’s decision to end paper checks on September 30, 2025 is a significant step toward a safer, faster, and more efficient system. With 500,000 recipients still receiving checks, action is needed now to avoid payment delays.
By setting up direct deposit or opting for a Direct Express debit card, beneficiaries can ensure uninterrupted access to their money. For seniors and disabled Americans who rely on Social Security, this change provides greater security and peace of mind.
Don’t wait—make the switch today to protect your benefits and stay worry-free.
FAQs
I already use direct deposit. Do I need to do anything?
No, this change only affects those who still receive paper checks.
What if I don’t want a bank account?
You can choose the Direct Express debit card option instead.
Will this change affect when I get paid?
No, the payment schedule stays the same—only the method of delivery is changing.