Social Security: How Do I Sign Up for Direct Deposit?

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Since 1999, it has been federal law that all Federal payments except for tax refunds must be issued electronically. This means that Social Security and Supplemental Security Income (SSI) beneficiaries receive their payments in the form of a debit card or by direct deposit into their bank account. If you’re still receiving paper checks, it’s important to switch as soon as possible.

Related: 6 Types of Retirement Income That Aren’t Taxable
More: 7 Surprisingly Easy Ways To Reach Your Retirement Goals

Direct deposit is the safest and easiest way to receive your payments. You don’t have to worry about losing a debit card or having it stolen. Funds go directly into your bank account to spend or save as you see fit.

The Social Security Administration says it’s easy to set up the service. Simply log into your my Social Security account and start or change direct deposit.

You can also call the U.S. Treasury Electronic Payment Solution Center at 1-877-874-6347 or enroll online at In addition, you can download FS Form 1200 and mail it to:

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Go Direct Processing Center
U.S. Department of the Treasury
P.O. Box 650527
Dallas, TX 75265-0527

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Whether you’re signing up online, by phone or with a paper form, you will need your Social Security number, the exact amount of your most recent Social Security payment, the routing transit number of your financial institution, your bank account number, and whether it is a checking or savings account.

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About the Author

Dawn Allcot is a full-time freelance writer and content marketing specialist who geeks out about finance, e-commerce, technology, and real estate. Her lengthy list of publishing credits include Bankrate, Lending Tree, and Chase Bank. She is the founder and owner of, a travel, technology, and entertainment website. She lives on Long Island, New York, with a veritable menagerie that includes 2 cats, a rambunctious kitten, and three lizards of varying sizes and personalities – plus her two kids and husband. Find her on Twitter, @DawnAllcot.
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