Paper Checks for Social Security Ending Soon Under New Federal Rule

The U.S. government is phasing out paper checks for Social Security and other federal benefit payments. Starting September 30, recipients will be required to receive their payments either through direct deposit or a prepaid debit card called Direct Express.

This change is part of the Trump administration's plan to fully modernize how federal benefits are delivered, aiming to reduce costs and improve efficiency. Currently, more than 99% of recipients already use electronic payments, but roughly half a million Social Security beneficiaries — less than 1% — still receive paper checks.

For those affected, the switch means choosing between setting up a direct deposit to a bank account or enrolling in the Direct Express program. The prepaid debit card allows users to receive their benefits without needing a traditional bank account.

However, exceptions will be made. Individuals may request a waiver if they are 90 years of age or older, have a mental impairment, or live in a remote area where access to banking or internet services is limited.

The U.S. Treasury encourages anyone still receiving paper checks to make the switch now to avoid delays or disruptions in payment.

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