How To Change Social Security Direct Deposit
Are you already receiving the benefits of Social Security or SSI? Do you also have a bank account? If yes, would you like to receive more benefits? Then you should consider signing up for Direct Deposit.
To change Social Security to Direct Deposit, individuals must contact their bank or credit union to enroll, or the Social Security Administration to update their account information. Once enrollment is complete, the change usually takes effect within 30-60 days.
In the rest of the blog, I will tell you how you can receive your Social Security payments by Direct Deposit. Read through to learn all about it!
What Are the Steps To Change Social Security To Direct Deposit?
The steps are as easy as one, two, and three. All you have to do is just follow along!
- Option 1: You can start to receive or change your direct deposit online. Visit this official website: https://www.ssa.gov/myaccount/
- Option 2: Another option you can choose from is to visit your neighborhood Social Security Field Office.
- Option 3: Still, if you feel a bit lazy and would like to do it from the comfort of your own home, you can contact your local bank, credit union, or savings and loan association by dialing 1-800-772-1213 (TTY 1-800-325-0778).
And that’s about it. It truly is no fuss, no hassle!
But wait, there is a little more to it. I elaborate upon them below.
How Can I Change My Social Security To Direct Deposit Online?
First things first, make sure you have the following details on hand before beginning:
- Keep the social security number you have handy on you.
- A checkbook and a bank statement will also be required.
- Have the Routing number for your bank written down and with you, so you never misplace or forget it.
- Next, make sure you know the number of your bank account.
- Also, note the type of bank account (checking or savings).
- Lastly, have all your “my Social Security” login details ready to start.
Oh, and what else will you need? You, of course!
Now with all this information ready in hand, you will have to visit the Social Security website: https://www.ssa.gov/myaccount/. And follow the steps below:
- Next, you have to access your ‘My Social Security account by logging in with the details you acquired and kept ready.
- When you have logged in, go to the right side of your screen and click the blue Benefits & Payments Details link.
- Then click the ‘Update Direct Deposit’ button when you have scrolled down.
- Quickly type in the details of your bank account. It’s always good to have them ready, so you aren’t scrambling for them at the last minute.
- Now, Choose Next.
- Check to make sure your bank information is accurate, double checking ensures zero errors.
- After you click on Submit, click Done.
And you’re done! You have successfully changed your Social Security to Direct Deposit online. The best part? You did it all by yourself.
Additionally, you can also change from the old paper check method to an electronic payment using the Go Direct website of the US Treasury. Visit this website to do so: https://godirect.gov/gpw/
How Can I Change My Social Security To Direct Deposit Telephonically?
If you are still having trouble doing it online and are much more comfortable using your phone, do not worry. I have your back!
When you make a phone call to your bank, credit union, or another lender, usually, they can start the procedure on their end. However, they could also need you in person or on the phone for security and identity reasons.
- You can either dial 800-772-1213 to reach Social Security (TTY 800-325-0778). For better hands-on assistance, it is advised to visit your local Social Security office then.
- Call 800-333-1795 to speak with the Treasury’s Electronic Payment Solution Center.
- Sometimes, you might be able to ask for a waiver in specific circumstances so that the electronic payment requirement can be disregarded. You can call the Treasury at 855-290-1545 to ask for a waiver or to find out whether you are eligible.
- You can also use Automated Phone Assistance. Call +1 800-772-1213, which is available for you seven days a week, twenty-four hours a day, in both English and Spanish.
Once you dial the above number, you will be asked, “How may I be of use to you today?” Now, what do you say? You say, “Direct deposit.” To modify your information over the phone, you must first dial your current direct deposit routing number and your account number.
If you have hearing loss, they also have a separate number for you; dial TTY +1 800-325-0778.
This way, they make sure to cater to almost the majority and leave out no one. Amazing, isn’t it?
How Long Does It Take To Change To Direct Deposit With Social Security?
Now that you know the steps you will need to take to change your Social Security to Direct Deposit, you may wonder: How long this entire process will take?
It will take 30 to 60 days after signing up (regardless of the method) for any modifications to your direct deposit to take effect.
But wait. Caution!!!
Before receiving notification of your first successful deposit, be sure you don’t close or change your bank account. The SSA will also provide you with a letter that includes a target date for transferring payments to your account. So you will always be kept in the loop about your transaction status.
Final thoughts
Now that you know you can change your social security to direct deposit online, telephonically, or by visiting the Social Security Field office, here is a fun fact for you. Even though it may seem daunting, the entire process takes only 10 minutes of your time. How convenient!
Would you like another fun fact? If you sign up for the Direct Express debit card, you can get benefits online even if you don’t have a bank account.
The SSA deposits your payment directly to the card as long as you have a Direct Express account. Call 800-333-1795 to enroll.
But there’s more! Privacy is important to everyone, and the Social Security office acknowledges it. This means the only person you can create or access the “My Social Security” account is you.
You cannot have someone else enter the data for you or on your behalf. Your account and information are kept safe and secure as a result.
So go ahead and convert your Social Security to Direct Deposit, knowing fully it is a major advantage!
