Social Security Paper Checks Ending Sept. 30: What Beneficiaries Must Do Now
Starting Sept. 30, the federal government will phase out most paper checks for Social Security and other federal benefit payments, completing a nationwide shift to electronic deposits.
Why the Change?
The transition is part of a federal push to cut costs and reduce fraud. Paper checks are more vulnerable to theft, loss, or delays compared to electronic payments. Direct deposits and government-issued debit cards are considered faster, safer, and far less expensive to process.
While most beneficiaries already receive payments electronically, a small percentage still rely on paper checks. Those individuals will need to update their payment records to avoid interruptions.
What Beneficiaries Need to Do
Direct Deposit: Recipients can enroll through their bank, by calling their payment agency, or online at GoDirect.gov.
Treasury Debit Card: Those without a bank account may choose to receive benefits through a government-backed debit card. Enrollment is available by phone at 800-967-6857.
Waivers: Certain individuals may still qualify for paper checks, including people over 90, those living in remote areas, or those with medical or cognitive limitations.
Who Is Affected?
Social Security beneficiaries: Fewer than 1% still receive paper checks.
Veterans Administration recipients: Over 97% already receive electronic payments, though some exceptions remain by law.
Other federal payments: Similar rules apply for programs like SSI and federal retirement benefits.
Concerns for Seniors
Advocates warn the switch may create challenges for individuals who are homeless, disabled, unbanked, or uncomfortable with electronic payments. Beneficiaries may also face a higher risk of phishing scams if they are unfamiliar with digital transactions.
The Treasury Department recommends verifying all communications by contacting agencies directly through official phone numbers or websites before sharing personal information.
Bottom Line
For most recipients, nothing will change. But for the small group still receiving paper checks, action must be taken before Sept. 30 to avoid missed or delayed payments.
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