Washington, D.C. — The clock is ticking for millions of Supplemental Security Income (SSI) recipients as the Social Security Administration (SSA) officially begins the final phase of its move to 100% electronic payments. Starting September 30, 2025, paper checks will be a thing of the past.
If you haven’t updated your payment method by this deadline, your monthly benefits may be delayed or even suspended.
Why the Urgency?
The SSA cites both security and efficiency as primary reasons for the change. Paper checks are vulnerable to:
- Mail delays
- Theft or fraud
- Bank processing lags
In contrast, electronic payments are faster, safer, and more reliable, arriving automatically each month through direct deposit, prepaid cards, or digital wallets.
Moreover, the federal government estimates it will save over $657 million per year by eliminating the cost of printing and mailing checks—savings that can be reinvested into other essential public services.
What Are Your Options?
The SSA offers several simple alternatives to make the transition easier:
- Direct deposit into a checking or savings account
- Direct Express® Prepaid Debit Card, a free option that doesn’t require a bank account
- Digital wallets like PayPal or Venmo for tech-savvy users
Need Help? SSA Has You Covered
The SSA recognizes that this transition may be challenging, especially for:
- Older adults
- Rural residents
- People without internet or banking access
- Those with disabilities
If you fall into any of these categories, you may qualify for an exemption from electronic payment. But you must apply in advance.
To request an exemption or get help choosing a payment method, call SSA at 1-800-772-1213. Multilingual support is available.
⚠️ Note: Exemptions are not automatically granted. You must undergo a case-by-case evaluation, so start the process as early as possible to avoid payment disruptions.
How to Update Your Payment Method
- Choose your preferred method: Bank account, Direct Express card, or digital wallet
- Update your payment info:
- Visit www.ssa.gov/myaccount
- Call 1-800-772-1213
- Visit your local SSA office
SSA staff are available to assist you every step of the way—no rush, no pressure.
Don’t Wait Until It’s Too Late
If you haven’t updated your payment method by September 30, 2025, your benefits could be withheld until you comply. Processing times can also be longer during busy periods.
Bottom Line
Your monthly SSI payment is essential. Don’t risk delays. Update your payment method today and ensure uninterrupted access to your benefits.
For more information, visit ssa.gov or call 1-800-772-1213.
Sharon Trumble 
