Social Security is a big support for millions of people living in America. Whether you are retired, disabled or elderly with limited income – the help received from Social Security makes life easier. But now the government is going to make this system even more secure and modern.
Under Executive Order 14247 passed by former President Donald Trump, now a big change is going to happen in Social Security payments. If you are still getting Social Security money through paper check, then this information is very important for you.
Big Change in Payment System – Paper Checks Will Be Discontinued
According to the US Treasury Department, from September 30, 2025, all federal payments will be made electronically only. That is, now no government payment will be made through paper check. This will directly affect those who still get checks through post.
Although most Americans are already receiving payments through direct deposit, some senior citizens still prefer traditional checks. The government believes that there is a high possibility of fraud with paper checks and that is why payments are now being digitalized.
Why Is It Necessary to Switch to Electronic Payments?
Now a question will come to your mind – when money is still being received through paper checks, then why is it being discontinued? Actually, there are many important reasons behind this:
1. Protection from Fraud
Paper checks are often stolen or encashed through fake documents. Many times elderly people do not receive checks or they are deposited in someone else’s account. All these dangers are almost eliminated with direct deposit.
2. Convenient and Fast Payment
When the payment comes directly to your bank or card, you do not have to go to the bank or wait for the check to be cleared. The money automatically reaches your account on the due date.
3. Compliance with Government Rules
Now under US law, it has been made mandatory to make all federal payments electronic. Those who are still receiving money through paper checks are technically outside the rules.
Which Payments Will Be Affected?
The impact of this change is not limited to Social Security. Many types of government payments will now be completely digital:
- Social Security retirement payments
- SSDI (Disability Benefits)
- SSI (Supplemental Security Income)
- IRS tax refunds
- Veterans benefits
- Federal pension payments
Even those who file tax returns every year and receive a paper check will now receive their refund electronically.
What Are the Alternatives to Electronic Payments?
If you are wondering what options you have besides direct deposit, don’t worry. The government has provided two main methods:
1. Direct Deposit to a Bank or Credit Union Account
Your money will be deposited directly into your savings or checking account. There is no delay and it is the safest method.
2. Direct Express® Debit Card
If you don’t have a bank account, you can still get this card. It’s a government debit card that’s credited directly to your Social Security or SSI account. It lets you withdraw money from an ATM, shop, and pay bills.
How to Apply for Electronic Payment?
If you’ve been receiving payment by paper check, you’ll need to change your payment method. There are three easy ways to do this:
1. Apply Online
You can register for direct deposit by visiting the SSA website. Here you’ll need to enter your bank account number and routing number.
2. Call by Phone
You can also apply for direct deposit or a Direct Express® card by calling 1-877-874-6347.
Read more: Social Security Calendar: Born Between 1st and 10th? You’ll Get $1,999 + $717 in Two Payments
3. Send a Form by Mail
Download a form from the SSA website, fill it out, and send it to the SSA. Your payment will start arriving electronically in a few days.
What Information Will Be Required?
When you apply for electronic payments, you will need to provide some important information:
- Your bank account number (Savings or Checking)
- Bank’s Routing Transit Number
- Social Security Number (SSN)
- Your last Social Security check information or Claim Number
What If You Don’t Change?
If you don’t change your payment method by September 30, 2025 and still ask for paper checks, your payment may be stopped or delayed. The government can also stop your payment in such cases until you connect to the digital system.
So it is better for you to change your method in time.
Conclusion
Making Social Security and other federal payments digital is a big and positive initiative by the government. This will not only prevent fraud, but will also make the payment system faster and easier.
If you or an elderly member of your family is still receiving payments by check, explain to them and register for direct deposit or a Direct Express® card in time.
The whole idea behind this change is to ensure that your money reaches you safely, quickly and on time.
Important: If you don’t have a bank account, you can still receive payments easily with a Direct Express® card. No bank account opening is required.
Tip: Visit the SSA website or your nearest Social Security office and get the help you need. The sooner you make the change, the better.
