Social Security in the United States no longer issues paper checks for benefit payments as of September 30, 2025; all payments will now be delivered electronically via direct deposit or prepaid debit card, in line with a modernization mandate from the federal government.
Anyone who did not make the switch before last date may experience payment delays, while exceptions for paper checks are now strictly limited to cases of extreme hardship or special circumstances approved by the U.S. Treasury.
“Our administration is finally implementing a long-standing, bipartisan goal: reducing paper checks. This will lessen theft and fraud, thanks to President Trump. Additionally, it will eliminate the delays that keep hardworking Americans from getting their vital paychecks.”- Scott Bessent, U.S. Treasury Secretary
No More Paper Checks for Social Security
The Social Security Administration (SSA) confirmed in July 2025 that it would end paper benefit checks on September 30, 2025, requiring all payments to be made electronically via prepaid debit card, direct deposit, or approved digital alternatives.
This transition is designed to reduce fraud, modernize the system, and save costs for the government. As reported by news, about 400,000 beneficiaries were still receiving paper checks in September, and the change may pose challenges for older adults or those with disabilities who rely on traditional banking.
The Social Security Administration’s shift to electronic benefit payments is designed to make the system faster, safer, and more reliable for everyone. By requiring all payments to be made via direct deposit or a prepaid debit card, beneficiaries can be sure their Social Security gets delivered on time every month, eliminating the delays and risks of paper checks.
“Paper checks will no longer be used by SSA to pay benefits as of September 30, 2025. Our goal in switching to electronic payments is to increase efficiency and security while guaranteeing that beneficiaries receive their monthly benefits on time.”- SSA official statement
Social Security Goes Digital in the United States
Social Security in the United States is undergoing a major digital transformation. As of September 30, 2025, SSA has stopped issuing paper benefit payment checks. Instead, all payments are now made electronically, either via direct deposit to a bank account or loaded onto a prepaid Direct Express debit card for those without bank accounts. This transition is mandated by Executive Order 14247, aiming to modernize payment systems across federal programs.
The main advantages of this transition include faster access to funds without waiting for mail delivery, improved security against theft or loss, and greater convenience for beneficiaries. Electronic payments are processed quicker and are less vulnerable to fraud compared to paper checks.
For beneficiaries new to the system or still receiving paper checks, SSA strongly urges them to sign up for electronic payment methods through the “my Social Security” online account, by phone, or in person. There are no longer temporary paper check options even for new claims, and waiver requests to continue receiving paper checks must be filed with the U.S. Treasury and are granted only in rare exceptional cases.
Reason for SSA Paper Checks Discontinued
The main reasons for discontinuing Social Security Administration (SSA) paper checks are:
| Reason | Description |
|---|---|
| Reduce Fraud and Theft | Electronic payments are much less susceptible to being lost, stolen, or changed than paper checks. |
| Modernize Systems | The change updates federal payment systems to be faster, more efficient, and more reliable. |
| Ensure Timely Payments | Electronic transfers ensure beneficiaries receive payments on time without mail delays. |
| Cost Savings | Electronic transfers cost significantly less to process, saving the government millions annually. |
| Improve Convenience | Beneficiaries gain quicker access to funds without waiting for mailed checks or bank visits. |
Steps on how to sign up for electronic SSA payments
Online via my Social Security Account:
- Create or log in to your account via ssa.gov.
- Navigate to the payment preferences section.
- Enter your bank account and routing numbers for direct deposit or select the Direct Express prepaid debit card option.
By Phone:
- Call SSA’s toll-free number at 1-800-772-1213.
- Provide your bank information or request a Direct Express prepaid debit card over the phone.
- For those who use TTY, dial 1-800-325-0778.
In Person:
- Visit your local Social Security office.
- Provide your banking details or apply for the Direct Express card in person.
- Office staff can also assist with setting up electronic payments.
Direct Express Prepaid Debit Card:
- If you don’t have a bank account, you can apply for the Direct Express prepaid debit card online, by phone, or in person.
- Your benefits will be loaded onto this card on each payment date, which you can use like a debit card.
“Less than 1% of SSA beneficiaries currently receive paper checks. Where a beneficiary has no other means to receive payment, we will continue to issue paper checks”- SSA spokesperson
FAQ’s
Why did the SSA stop issuing paper checks?
To reduce fraud and theft, modernize payments, ensure timely delivery, save costs, and improve convenience for beneficiaries.
What are the new electronic payment options available?
Direct deposit to your bank account or a government-issued Direct Express prepaid debit card for those without bank accounts.
How do I sign up for electronic payments?
You can sign up online via your my Social Security account, by phone at 1-800-772-1213, or in person at an SSA office
Are electronic payments safe?
Yes, electronic payments are more secure than paper checks and reduce the risk of fraud, theft, or loss.
How long does it take to set up direct deposit?
Setting up direct deposit can be quick if done online or by phone, usually within a few days to a week once your information is processed
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