Big changes are coming to Social Security payments and, in fact, for most federal benefits. This change may also affect people who receive Social Security, SSI, VA benefits, and other federal payments.
This shift has been confusing because it was announced earlier this year, then delayed, and is now moving forward again. Here’s what you need to know about who’s affected, what your options are, and how to stay safe during this transition.
What is Happening
Beginning September 30, 2025, the U.S. Treasury will stop sending paper checks for most federal payments. This change is the result of an executive order that was released in March. The EO called for a “modernization” of payments made by the federal government.
There has been some confusing back-and-forth on this issue. In July, a press release by Senator Elizabeth Warren claimed that Social Security Commissioner Frank Bisignano had committed to not fully phasing out paper checks. However, in August, a press release from the Treasury Department affirmed that this change was going to move forward as previously planned.
Why This Change Is Happening
The government says this change is all about security and efficiency. Paper checks cost more to process, are slower to deliver, and create more risk of fraud. According to Treasury officials, checks are 16 times more likely to be lost, stolen, or tampered with than electronic payments.
Still, not everyone is happy about this. More than 5 million U.S. households don’t use banks, often because of low income, past account closures, or other barriers. Lawmakers like Senator Elizabeth Warren pushed the Treasury to keep paper checks as an option, but the department has decided to move forward with phasing them out.
What You Need to Do
If you still get your Social Security or other federal benefits by paper check, you will need to switch to an electronic option to avoid payment delays.
The first option is direct deposit into a bank or credit union account. You can set this up by calling Social Security, enrolling online at GoDirect.gov, or calling the Treasury’s Electronic Payment Solution Center at 1-800-333-1795.
The second option is a Direct Express® Debit Mastercard®. This is a prepaid card where your benefits are loaded each month. You can then use the card like a regular debit card for purchases, bill payments, or ATM withdrawals. This may be a good choice if you do not have or do not want a bank account.
Are There Any Exemptions?
The Treasury’s most recent announcement did not include exceptions, but in the past Social Security has allowed certain waivers. Form SSA-1201W is still available online, and it lists exemptions for people with severe mental impairments, those living in very remote areas without banking services, or those born on or before May 1, 1921.
If you believe you qualify, you can submit that form to Social Security to request an exemption but it is not clear if it will still be honored. Generally, it’s best to choose either direct deposit or the Direct Express card.
Where to Get Help
If you need assistance with this transition, there are several resources available. You can call the Treasury’s Electronic Payment Solution Center at 1-800-333-1795, or contact Social Security directly at 1-800-772-1213. Seniors and people with disabilities may also be able to get local help through their Area Agency on Aging.
Stay Alert for Scams
Any time there’s a big change like this, scammers take advantage. Protect yourself by remembering a few simple rules. Only use official government websites and phone numbers, such as GoDirect.gov. Never pay a fee to update your payment method, because switching is always free. And be cautious with your personal information—scammers sometimes only need your Social Security number or date of birth to commit fraud.
Relief Recap
Paper checks for Social Security and most other federal benefits will end on September 30, 2025. If you are still receiving your payments by check, now is the time to switch to direct deposit or a Direct Express debit card so your benefits continue without interruption. If you believe you may qualify for an exemption, you can still try submitting form SSA-1201W.
This change may feel overwhelming, but help is available. Take the time now to update your payment method, use official resources, and protect yourself from scams. That way, your benefits will arrive safely and on time each month.