COVID-19, General, Guest Bloggers

Get All Your Federal Benefit Payments in One Account Using Direct Payment

September 3, 2020 • By

Last Updated: July 21, 2021

Direct deposit is the safest and most convenient way to receive your benefit payment. In 2013, the Department of the Treasury issued a mandate to move away from checks as a method to deliver federal benefit payments. Since then, almost 99 percent of our Social Security beneficiaries have their payments deposited directly into their bank accounts. We need to increase this number to 100 percent.

Some beneficiaries have not enrolled.  Others receive more than one federal payment, but don’t get all their benefits via direct deposit. In these times, with the COVID-19 pandemic, it is more important than ever to know that your payments are there when you expect them. If you receive more than one federal benefit, but don’t have all your payments directly deposited, you may want to consider enrolling. Here are some reasons why:

  • It is safer to use and less costly.
  • Your benefit payment will be on time, every time, and ready to use.
  • You’ll be free of the hassles or delays with paper checks.
  • You won’t need to leave the comfort of your home to cash a check again.
  • It’s easy to enroll, change, or update your direct deposit information.

You can sign up for direct deposit with Social Security from your preferred location using your personal my Social Security account. If you don’t have a personal account, you can create one today. Once you create your account, you can add your bank information to start your direct deposit. You can make changes to your information any time through your personal account.

Another way to start or change your direct deposit is by calling us toll free at 1-800-772-1213 (TTY 1-800-325-0778).

We want to put you in control of your benefits while providing the best experience and service, no matter where, when, or how you decide to do business with us.


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  1. Jeffrey T.

    I will become 70 years of age in September, 2021. At that time, I would like to begin to receive my social security benefits. Please advise how to apply for these benefits and when I should apply for them.

    • Vonda

      Hi Jeffrey, thanks for using our blog to ask your question. You can apply four months before you want your Social Security retirement benefits to start. Once you’re ready to apply, the easiest way to complete your application is online.

      If you need further assistance, call us at 1-800-772-1213 or you can contact your local Social Security office. Please look for the general inquiry telephone number at the Social Security Office Locator. The number may appear under Show Additional Office Information. Please be aware that our call wait times are longer than normal. We hope this information helps.

  2. Richard h.

    I receive a direct deposit on the 3rd of every month. no problem. is there anyway to change to the first of the month. landlord complaining about about the 3rd having to wait so many business days on the weekends. he wants to charge me an :$85 late fee after the the 5th of the month for example September 3rd 2021 is Friday next business day
    is Tuesday the 7th 2 days short of my 5 day grace period. so can I change the day I receive my benfits?

    • Sue

      Happy new year, Richard, and thank you for your question. Unfortunately you cannot change the date you receive your benefits. If you were receiving or applied for Social Security benefits on or before April 30, 1997, or if you receive both Social Security and Supplemental Security Income (SSI), you receive your benefit on the third of the month. If you receive only SSI, you receive your benefit on the first of the month. If you applied for Social Security benefits after April 30, 1997, the birthday of the person whose record you receive benefits under determines your payment date.
      Date of Birth Payment Day:
      1st – 10th Second Wednesday
      11th – 20th Third Wednesday
      21st – 31st Fourth Wednesday

      Please visit our Schedule of Social Security Payments for 2021 payment dates. We hope this is helpful.

  3. George G.

    Hello , my name is George Grimes and I got my first stimulus on my direct express card and I need to transfer the money to my bank account that I receive my monthly payments on for 7 months but I can’t transfer because direct express needs a 3 digit code that I don’t have I’ve not had a direct express card for 7 months! I have tried so many times but nobody can help me! Please I need help

    • Vonda

      Hi George, thank you for using our blog. If you forgot your PIN, you should call the Direct Express® card toll free Customer Service Department number at 1-888-741-1115. A customer service representative will assist you. We hope this helps.

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  6. William H.

    I DIDN’T GET MY FIRST STIMULUS CHECK, SOMEONE ELSE GOT IT, SO DO YOU THINK I’LL GET THIS ONE FOR SURE.

    • Sue

      Hi, William. Thank you for reading our blog and for your question. Please visit the IRS Economic Impact Payments Information Center to answer your questions about EIP eligibility, payment amounts, what to expect, when to expect it and more. If you are unable to find the answer to your question, please call the IRS hotline at 1-800-919-9835. We hope this helps.

      • Aida P.

        Give some stimulus check it’s wrong give me $600 it’s $2000

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  8. Larry b.

    Yes. I am 49 yrs old. And I’m about 14. miles from town. I am disabled with 2 slipped disc. And can’t work on my feet. I don’t have.any insurance nor do I get benefits. Execpt.snap.stamps. I am asking you how and what’s the best way and fastest way to get on disability.

    • Vonda

      Hi Larry. We pay disability benefits through two programs: the Social Security Disability Insurance program (SSDI) and the Supplemental Security Income (SSI) program. To qualify for SSDI benefits, you must have worked long enough and recently enough in jobs covered by Social Security (usually within the last 10 years). The (SSI) program is a needs based program that gives cash assistance to disabled individuals with limited income and resources. We pay disability benefits to people who are unable to work because of a medical condition that is expected to last one year or more or to end in death. If you think you may be eligible to receive disability benefits and would like to apply, you can use our online application.

      If you’re unable to apply online, you can call us at 1-800-772-1213 for assistance or you can call your local Social Security office. Please look for the general inquiry telephone number at the Social Security Office Locator. The number may appear under Show Additional Office Information. Please be aware that our call wait times are longer than normal. We hope this information helps.

      • Tyler S.

        I got my second economic impact payment, direct deposited onto my Direct Express Card, on the 4th of January 2021, but it’s been 8 days waiting to see if my payment is going to show up, but it never did and still hasn’t.. I’m Aggravated

    • Joyce S.

      Larry you can apply for disability benefits on line if you are computer savvy or you can call their toll free number at 1-800-772-1213 and file a claim. The question is. Does your back problems with your disc cause you to be depressed. Most of the time it is difficult to get a claim approved alone with just back problems, so if your back injury is causing you to be depressed then you can also use depression as part of your reason to file a claim, but you will have to start treatment with a psychiatrist and I would also say a therapist and have medical evidence to support your depression and your injured back problems. Call me I will hell you through it 832-715-4019 or email me

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