Under a new federal mandate, starting September 30, 2025, nearly all Social Security and VA benefits will shift from paper checks to electronic payments, such as direct deposit, prepaid debit cards, digital wallets, or real-time payments.
This change stems from an executive order aimed at improving security, efficiency, and cost-effectiveness in the U.S. benefits system.
Why the Shift to Electronic Payments?
- Paper checks are 16 × more likely to be lost, stolen, altered, or returned undeliverable .
- The transition is expected to save taxpayers hundreds of millions, improving reliability and operational efficiency .
- With over 99% of Social Security users already on electronic payments, this targets the remaining small group still on paper .
What Changes on September 30, 2025
| Before | After |
|---|---|
| Paper checks mailed monthly | Direct deposit, Direct Express®, or digital |
| Exceptions for tech or banking access | Very limited exceptions, approved only by Treasury |
| Checks for Social Security, SSI, VA | Electronic-only for most programs |
| Tax refunds via check | Tax refunds also electronic-only |
- Paper checks will end for most recipients. Exceptions remain only for those with no banking access or extreme hardship.
- Social Security and VA recipients must switch payment methods to continue receiving funds without disruption.
How to Update Payment Details
Social Security / SSI
- Use your my Social Security account, call 1‑800‑333‑1795, or visit your bank to enroll via Go Direct.
- Options include direct deposit to bank accounts or the Direct Express® card for unbanked recipient.
VA Benefits
- Sign in at VA.gov, go to Profile → Direct Deposit, and update your bank routing/account number .
- Use VA Form SF‑1199a or call 800‑827‑1000 for paper-based setup.
What If You Don’t Switch by the Deadline?
- Payments may be delayed or disrupted until electronic enrollment is complete.
- Some paper-check recipients (≈500,000 SSA beneficiaries) must apply for a waiver by September 30 to continue receiving checks.
- Extremely rare exceptions may still allow paper delivery in emergencies or due to hardship, but require Treasury Department approval .
Why This Matters to You
- Protects your funds from mail theft or loss.
- Speeds up access to money the day benefits are issued.
- Helps the government cut costs, potentially redirecting savings to other services.
Whether you’re already on direct deposit or still relying on paper checks, it’s essential to update your payment method now to avoid payment disruptions this fall.
By September 30, 2025, the vast majority of federal benefit payments, including Social Security and VA, will be delivered electronically.
If you’re still receiving paper checks, now is the time to enroll in direct deposit or obtain a Direct Express card. This transition is designed to deliver your benefits faster, safer, and more reliably—but only if you act soon.
FAQs
Can I still get my benefits by check after September 30?
Only if you qualify for a waiver due to lack of banking access or undue hardship and apply before the deadline.
How do I enroll in direct deposit or Direct Express®?
For Social Security, use Go Direct®, call 1‑800‑333‑1795, or visit SSA.gov. For VA benefits, update your info at VA.gov/Profile.
What happens if I miss the deadline?
Your benefits may be delayed, or put on hold until electronic payment information is provided.