The Social Security Administration (SSA) is preparing to phase out paper checks for benefit payments starting September 30, 2025. From that date forward, all Social Security benefits will be issued electronically.
This change follows an executive order signed by President Donald Trump in March 2025 and is part of a broader effort to modernize federal payment systems, improve efficiency, and boost security.
The White House has stressed the importance of moving away from outdated paper-based processes in favor of faster, more secure digital methods.
Electronic payments are expected to cut administrative costs, reduce the risk of fraud, and ensure beneficiaries receive their payments more quickly and reliably.
Currently, most recipients already get their benefits through direct deposit or prepaid cards. However, around 456,000 people—about 0.7% of the 68.2 million beneficiaries—still receive paper checks.
Many in this group are older adults, and the SSA has recognized that the switch may be more challenging for them. The agency has committed to providing full support during this transition.
Beneficiaries can update their payment method by visiting the SSA website, calling 1-800-772-1213, or going to a local SSA office. The SSA will offer tools and resources to help ensure that everyone can make the switch successfully.
The decision comes in response to long-standing issues with paper checks, such as delivery delays, fraud, theft, and higher costs.
In contrast, electronic payments—whether through direct deposit, prepaid debit cards, or digital wallets—are safer and more efficient.
For those without traditional bank accounts, the SSA will offer prepaid cards that allow secure and easy access to funds.
This change is permanent. Those who fail to update their payment information before the September 30 deadline may experience delays in receiving their benefits. The SSA urges all recipients to act as soon as possible to avoid any disruptions.
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