No More Social Security Paper Checks

Paper Checks Ending for Social Security Payments This Fall

Beginning September 30, 2025, the Social Security Administration (SSA) will stop issuing paper checks for monthly benefit payments. This change is part of a federal effort to modernize payment systems and improve the speed, security, and reliability of benefit delivery.

Who Is Affected?

This update applies to a small number of beneficiaries—fewer than one percent—who still receive their benefits by paper check. If you are one of them, you’ll need to switch to an electronic payment option to avoid interruptions.

Why the Change?

The SSA outlined several reasons for the shift to electronic payments:

  • Faster payments with fewer delays
  • Lower costs to the government
  • Increased security against lost or stolen checks

Electronic Funds Transfers (EFTs) are safer and more reliable. Paper checks are 16 times more likely to be lost or stolen, increasing the risk of fraud.

What SSA Is Doing to Help

To support the transition, SSA is:

  • Mailing notices to current paper check recipients
  • Including instructions with upcoming benefit checks
  • Providing help through trained technicians

These efforts are designed to ensure everyone understands the change and can take action in time.

How to Switch

If you currently receive paper checks, you have two options:

  1. Direct Deposit
    Sign up with your bank or credit union to have your benefits sent straight to your checking or savings account.
  2. Direct Express® Debit Card
    If you don’t have a bank account, you can sign up for a Direct Express® card. It’s a prepaid debit card created for federal benefit recipients.

You can update your payment method anytime through your my Social Security account or visit ssa.gov/deposit to learn more.

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