103 thoughts on “Fight Procrastination by Changing Your Direct Deposit Early

  1. The National Fight Procrastination Day, on September 6th, is a funny holiday!
    We need it not just once per year, but at least once per month :))

  2. Can I change the DATE of the deposit? – leaving the bank information the same? I would like it to come earlier in the month.

  3. On March 13,2018 i will be 65 years old i apploy for benefits many time because of my health conditions is denied.but i’m wondering what next for in my elderly Ages mr jim

  4. I have ms disability wife divorce social security no believe my Paiment 433 dollar Kong’s hard to live bad balanse I olmost no walking excuzmi please?

  5. I have signed up for SS benifts becuase I turn 70 this year.

    When will I receive my first check?

    Can my wife, age 64, apply for spousal benefits on my SS?

    And switch to her own SS (higher than mine) when she turns 70?

    Thank you.

    • Hello John. Our system is set up to take applications three months in advance. Remember that benefits are paid the month after they are due. So, for instance, if you want your benefits to begin with the month of October, you will receive your first benefit payment in November.
      Please visit our Social Security Retirement Planner for more information.
      If your spouse qualifies on their own record, we will pay that amount first. If the benefit on your record is higher, they will get an additional amount on your record so that the combination of benefits equals that higher amount. See Benefits For Your Family for more on this topic. Thanks!

    • john this is how it works, the only way your wife can file for spousal only she has to be born before january 2 1954 and she can’t file until she reach full retire age which is 66 for anyone born between 1943 and 1954 if she file before she reach full retirement age she has to deem file which mean she has to file for both her own and spousal now if she wait until her full retire age which is 66 then she can restrict her application to spousal only and she will receive half of what you would have received at 66 not what you are receiving at 70

  6. My application for a MySocialSecurity.gov account failed because the system would not accept my password. Can you help me fix this?

    • While checking my bank statement, I noticed my social security payment was not posted in my online account for Sept. Last month’s payment posted on 8/8/2018. I called social security office and was put on hold for over 55min. with no response. Please look into this situation.

      • Hello Lillie, if you applied for Social Security benefits after April 30, 1997, your payment date is determined by the date of birth of the person on whose record you receive benefits. Generally, Social Security benefits are paid the third day of the month, the second, third or fourth Wednesday of the month.
        See our Frequently Asked Questions web page on payments for more information. Thanks!

  7. Why would I want to change my direct deposit from my present system? You did not enumerate in any way, so I don’t know whether there is something I need to do soon because of a change at Social Security, or if this is just an announcement that if I have done something like change banks, I need to get with it to change my direct deposit to the new bank (If that’s the kind of thing you had on your mind with this alert).

    • This is announced because the agency has a sizeable problem with clients changing information at the last minute. If done this way, it will not make the change in time for your next payment, but the one after that. If you have closed the old bank account, your payment will be delayed as a result. Never volunteer to close the old account until you know which payment is going to the new one.

      You need to apply the 60 million rule. You are one of nearly 60 million agency customers. Treasury has to issue those millions of payments every month. There is a cutoff date when they say no more changes are allowed to the next check. That date is 10-14 days before the next payment is due. This date is early because there are people who still insist on paper payments, which is both costly to the taxpayer and drains limited agency resources when a paper check fails to arrive. Less government means adapting to the modern world and not creating exceptions for oneself because it all comes out of the limited budget SSA is stuck with to help everyone, not just you.

  8. Why do I have to change my direct deposit deposit account, if I do, that will reflex on all of my bills, what is going on that I need to change my bank account, you’re asking for something that’s not easy to do. I would like to know, why this change has to take place?

    Sincerely,

    Georgia L Winston😅️

    • By choosing to get your Social Security or Supplemental Security Income benefits by direct deposit, we will electronically deposit your funds directly into a bank’s depository account (e.g. checking account, savings account, and prepaid card account).

      By choosing Direct Express®, we will electronically deposit your funds directly into a prepaid debit card account. Direct Express® has no enrollment fee or minimum balance requirement to open or use the account.

      Check out How Do I Sign Up To Receive An Electronic Payment?

  9. I that 14 months held back because was working and making over the monthly limit. My monthly social security payment was set at $ 1631.00.I had $1631.00 times 14 months or $22834.00 held back. When I quit they sent me $8500.00.Than 5 months later they said they over paid me by $2700.00 and I am paying it backs.SO I got only $5800.00 of the $ 22834.00 heldback.Where is the $17034.00 recalibration.

    • Hello Larry. Unfortunately, and because of security reasons we do not have access to personal records in this blog and cannot answer your question at this time. One of our representatives should be able to provide you with an explanation.
      Please call our toll free number at 1-800-772-1213 for assistance. Representatives are available Monday through Friday, between 7 a.m. and 7 p.m. Generally, you will have a shorter wait time if you call later during the day or later in the week. Thanks.

    • Hi Mac. Thanks for the question. If you’re receiving Social Security benefits (retirement, survivors, or disability), you can start or update your direct deposit information by using your personal my Social Security account. If receiving Supplemental Security Income (SSI) or unable to conduct business online, you can start or update your direct deposit by contacting the bank, credit union, or savings and loan association or by calling Social Security at 1-800-772-1213 (TTY 1-800-325-0778).

      See our Frequently Asked Questions web page for more information.

    • Hello Ronald & Penny. If you already receive benefits (retirement, survivors, or disability) and you have a bank account, you can start or update your direct deposit by using your personal my Social Security account.
      Just a reminder – We do not have access to personal records, therefore, we cannot update beneficiaries information in this venue. Please be cautious about posting personal information on social media channels. Thanks!

  10. MY NAME IS TERRY BROOKS . MY SOCIAL SECURITY NUMBER IS: *** – ** – ***.
    IM WRITING TOO CONFIRM MY DIRECT DEPOSIT WILL BE DEPOSITED ON THE THIRD OF OCTOBER 3, 2018.
    I OPENED A NEW ACCOUNT WITH ARROWEAD CREDIT UNION IN YUCAIPA CA ZIP CODE IS 92399. IT IS A CHECKING ACCOUNT MY CHECKING ACCOUNT NUMBER IS AS I DONT HAVE A PHONE OR E-MAIL ADRESS.
    THIS IS MY DAUGHTER’’S E -MAIL. TOO CONFIRM THAT MY DIRECT DEPOSITS FROM DISABILITY AND SURVIVOR WIDOW’S BENEFITS ARE GOING TO BE DEPOSITED ON OCT. 3RD OF OCTOBER . THANK YOU.

    • Hi Terry, thank you for the question. If you’re receiving Social Security benefits (retirement, survivors, or disability), you can start or update your direct deposit information by using your personal my Social Security account.

      If receiving Supplemental Security Income (SSI) or unable to conduct business online, you can start or update your direct deposit by contacting the bank, credit union, or savings and loan association or by calling Social Security at 1-800-772-1213 (TTY 1-800-325-0778).

      See our Frequently Asked Questions web page for more information.

      Just a reminder – Please be cautious about posting personal information on social media and communicating personal information via email.

    • Hi Tina. Thanks for the question. If you’re receiving Social Security benefits (retirement, survivors, or disability), you can start or update your direct deposit information by using your personal my Social Security account.

      If receiving Supplemental Security Income (SSI) or unable to conduct business online, you can start or update your direct deposit by contacting the bank, credit union, or savings and loan association or by calling Social Security at 1-800-772-1213 (TTY 1-800-325-0778).

      See our Frequently Asked Questions web page for more information.

  11. I’m 66 & currently receiving Social Security. I would like to to change my direct deposit. I’ve tried online several times to no avail.
    Thank you,
    Robert T Hess,Jr

    • Hi Robert, thanks for using our blog. If you’re unable to conduct business online, you can start or update your direct deposit by contacting the bank, credit union, or savings and loan association or by calling Social Security at 1-800-772-1213 (TTY 1-800-325-0778). Representatives are available Monday through Friday, between 7 a.m. and 7 p.m.

      See our Frequently Asked Questions web page for more information.

  12. I have entered my information three times, the sight says it cannot find my account. This is very up setting as I have had an account with SS for years. I update my info and need to change my direct deposit as I have closed the bank account where my direct deposit was going into.
    I NEED HELP PLEASE!!!!!

    • We’re sorry that you had difficulty accessing your account, Lynda. If you are still having trouble accessing your my Social Security account, please call our dedicated “my Social Security Hotline”. To reach this hotline, call 1-800-772-1213 (TTY 1-800-325-0778), Monday through Friday from 7 a.m. to 7 p.m. At the voice prompt, say “helpdesk” or contact your local Social Security office. Thanks!

  13. Hello my name is Keisha Mckeever I haven’t received money to my SSI and SSA since oct 1-3 I already give to my new account and router number from old account bank I am deaf

  14. I am finding it almost impossible to change the routing number to one that the bank that has taken over my branch requires

  15. My social security number was compromised so I have closed my bank accounts and I have direct deposit on my SS check. I need to give you a new checking account number but I don’t know how. I have been on hold on the phone for more than an hour. Any help?

  16. My direct deposit to Wells Fargo is not released to me until after COB the day it was due to me. Is that allowed? It’s not an issue to me but over the years I knew many people who lived check to check and a day delay made a difference. It annoys me to think
    big banks are allowed to hold access for a even a day!

  17. If I give you a new routing number today will it go into effect in time to be in my new account by next Wednesday the 24th? Or will that delay it. It is important I get my payment on the 24th. Thank you

  18. I had a my account and suddenly it is not accessible. There is mention of a code but I have never received said code. How can I get my account back?

    • Hello Michael. If you are unable to create an account or encounter a problem with your my Social Security account, you may:
      •Call us at 1-800-772-1213 (TTY 1-800-325-0778), Monday through Friday from 7 a.m. to 7 p.m. At the voice prompt, say “helpdesk”; or
      •Contact your local Social Security office. Thanks!

    • Hi Alice. Thanks for the question. If you’re receiving Social Security benefits (retirement, survivors, or disability), you can start or update your direct deposit information by using your personal my Social Security account. If receiving Supplemental Security Income (SSI) or unable to conduct business online, you can start or update your direct deposit by contacting the bank, credit union, or savings and loan association or by calling Social Security at 1-800-772-1213 (TTY 1-800-325-0778).

      See our Frequently Asked Questions web page for more information.

  19. Hi,
    My parents had to close their bank account suddenly because their information was compromised. Unfortunately, they missed the deadline for changing their direct deposit information and now need to know where their check will go. Does it bounce back to social security and come the following month?

    • Hello Debra. Generally, the payment will be returned and re-directed to the new account on the record.
      Unfortunately, and because of security reasons we do not have access to personal records in this blog and cannot provide specific information about their payments. One of our representatives should be able to provide them with an explanation.
      Your parents should call our toll free number at 1-800-772-1213 for assistance. Representatives are available Monday through Friday, between 7 a.m. and 7 p.m.
      Generally, you will have a shorter wait time if you call later during the day or later in the week. Thanks!

  20. I need to change my direct deposit banking information. I lost my old checkbook and register and opened new checking account.

  21. I have tried to establish an account to view my information about my social security. When I use the information I have , the system refused the information. But when I try to open a new account with the same information, I get the message that an account is already opened with that information. What gives ?

    • Hello Sharon. We’re sorry that you’re having difficulty creating or accessing your account. If you are still having trouble, please call our dedicated my Social Security – Hotline. To reach this hotline, call 1-800-772-1213(TTY 1-800-325-0778), Monday through Friday from 7 a.m. to 7 p.m. At the voice prompt, say “helpdesk” or contact your local Social Security office. Thanks!

  22. I was unable to create a online account,My issue was I opened a new account at same bank,My bank personal tells me we have put in your direct deposit information,So she did that on the 9Th,in meantime other account was getting closed .So I g’et letter from my bank saying it was not excepted.this letter I received on 30th so now im worried I will not receive my funds in my bank account.So now how long before I will receive my payment im not sure.im confused on why it wasn’t excepted so I wil sit and see what happens

  23. Well I think the biggest inconvenience is the way I get paid. The third Wednesday of each month… I hate!
    I would prefer to receive payment on a specific date – that same date each month.
    What’s so difficult about that, Social Security??? It would certainly make my life easier and I’m sure easier for a lot of people. Most of the ones I have spoken with agree with me.

    • Hello Kenneth – Please read the instructions on how to change the direct deposit of your Social Security benefits here. Thanks!

  24. I have a MAJOR PROBLEM WITH SOCIAL SECURITY ACCEPTING DOCUMENTS THAT HAVE BEEN ALTERED.

    AN EXAMPLE, AN ALLEGED DIVORCE DECREE THAT HAS NUMBERS ALTERED, A JUDGE THAT IS DECEASED NAME WRITTEN OVER THE PRESIDING JUDGES SIGNATURE .

    WHY WOULD SOCIAL SECURITY ACCEPT SUCH A FRAUDULENT DOCUMENT WITH MANY ALTERATIONS AND CHANGES. THE DIVORCE DECREE IS NOT AN AUTHENTIC DOCUMENT.

  25. What a wonderfully charming suggestion! I would love to get my own “mysocialsecurity” account working so I could do things like review my records and change the recipient of my social security compensation.

    Unfortunately, I am too old to begin a new career in waiting on the telephone for someone from Social Security to answer the silly phone to help me untangle whatever it is that has my account tangled up in Social Security’s “simple twist of fate” (Dylan) that keeps the account from functioning.

    Will Social Security bother to let us all know when Social Security can afford to hire some help for such things?

  26. I NEED TO CHANGE MY DIRECT ACCOUNT TO MY NEW ACCOUNT. MY SS IS XXXXXXXXX MY NEW ACCOUNT NUWBER FOR DIRECT DEPOSIT IS XXXXXX ROUTING NUMBER 071921891 .

  27. I need to change the bank that receives my direct deposit of SS check each month. Can’t find where to do that on the website.

  28. When I try to access the “log in” hyperlink I always get a “can’t reach this page” response. This has been going on for several years now. Can something be done about this?

  29. I don’t know what to do. I recently lost my wallet and had to change bank info 2 days before the first. Today is the 8th and still no money. I have no gas and little food. It was supposed to be sent to my Paypal debit card.

    Fortunately, between SSA and paypal I have been retrained over the past two weeks into a skilled telephone waiter. and I know that ‘my call is important to them and will be answered in the order received,

    However, my question and/or issue will be discussed in different detail each time I call. None of their suggestions or promises will have any bearing in getting my issue resolved.

    I have to go now, to try and walk the few miles home, because I have no gas. fortunately, the MS has left my legs numb so I won’t feel most of the pain until I get there. The daily fatigue will probably let me sleep for several minutes tonight anyway and take my mind off my hunger. I’d call for a ride, but my phone is shut off.

    THANK YOU SSA FOR HAVING SUCH A SIMPLE PROCESS TO CHANGE BANKING INFO

    I’ll probably tell you myself as I’ll be camping behind the SSA office because I couldn’t pay my rent.

  30. Change of address notification:
    Danny and Pollyanna Casey

    Old address: 13772 W 67th Place, Arvada,Co
    80004

    New address: 13942 Maxwell Vista Dr, Buena Vista, Co.
    81211
    Effective date: Oct 15, 2018
    Call 303-424-0011 if questions. Thanks, D Casey

  31. Speaking of procrastination. SSA routinely delays recalculating benefits to those who worked previous year. I worked in 2017 expecting my benefits to be recalculated somewhere at the beginning of 2018. Instead I got my increase in November 2018. We’re talking about older people here – several months of delaying could make it too late for some.

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