Social Security to End Paper Checks by September 2025

The Social Security Administration (SSA) has announced that it will permanently end the issuance of paper checks starting September 30, 2025. This move aims to speed up payments, improve security, and cut administrative costs.

All beneficiaries—including retirees, people with disabilities, and survivors—are required to switch to electronic payments before the deadline to avoid delays in receiving their benefits.

The transition follows Executive Order 14247, signed by President Donald Trump in March, which mandates that all federal payments be issued electronically. This includes Social Security benefits, Supplemental Security Income (SSI), disability insurance, and even tax refunds.

While more than 99% of recipients already receive digital payments, an estimated 500,000 Americans still rely on paper checks. This presents a logistical challenge ahead of the deadline. The federal government estimates the full transition will save over $2 million annually, as printing a paper check costs about $0.50 compared to $0.15 for an electronic transfer.

Beneficiaries can register for direct deposit through their “My Social Security” account or choose the Direct Express® prepaid debit card, an option for those without a bank account. To sign up, they can call 1-800-772-1213 or visit the official Direct Express website.

However, financial experts warn that seniors and caregivers must stay vigilant against online fraud and phishing scams, which often exploit major changes in payment systems. The SSA confirmed that limited exemptions will be available for individuals who cannot access electronic payment systems, but a formal request must be submitted to the U.S. Treasury Department.

This transition marks one of the largest changes in the history of Social Security benefit distribution. Officials believe it will enhance efficiency, reduce fraud, and minimize delays associated with traditional mail delivery.