Social Security Went Paperless: What You Need to Know

As of September 30, 2025, the Social Security Administration (SSA) has stopped issuing paper checks for benefit payments. This move is part of a government-wide effort to modernize payments, improve security, and reduce costs.

Less than 1% of beneficiaries still receive paper checks, and the SSA is actively helping them switch to electronic payments. Options include direct deposit to a bank account, or the Direct Express prepaid debit card for those without bank accounts.

Why the change? Electronic payments are faster, safer, and cheaper. Paper checks cost about 50 cents each to issue, while electronic transfers cost less than 15 cents. Plus, paper checks are 16 times more likely to be lost or stolen.

If you or someone you know still receives paper checks, here’s how to switch to avoid payment delays. The SSA offers support to make the transition smooth and secure. To get help with switching from paper checks to electronic payments, beneficiaries can contact the Social Security Administration (SSA) in several ways:

• 📞 Phone: Call the SSA toll-free at 1-800-772-1213 (TTY: 1-800-325-0778). Representatives are available Monday through Friday, 8 a.m. to 7 p.m. local time.

• 🖥️ Online: Visit ssa.gov/myaccount to manage benefits, set up direct deposit, or access support.

• 🏢 In Person: Locate your nearest Social Security office using the SSA Office Locator and schedule an appointment if needed.

For those switching to the Direct Express® Debit Mastercard®, you can also call 1-800-333-1795 or visit www.usdirectexpress.com.

This shift marks the end of an era and the start of a more efficient, digital future for Social Security benefits.

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