The U.S. Treasury Department is implementing a major change that will affect millions of Americans: starting September 30, 2025, all federal payments will transition to electronic delivery, completely phasing out paper checks. If you haven't set up electronic payments by the deadline, you may stop receiving your Social Security benefits, tax refunds, and other government payments.

Who Will Be Affected?

This change will impact nearly everyone receiving federal benefits, including:

  • Social Security Retirement benefits
  • Supplemental Security Income (SSI)
  • Social Security Disability Insurance (SSDI)
  • All other federal payment programs

Why the Change?

Government data shows that paper checks are 16 times more likely to be lost or stolen than electronic payments. The transition will also save approximately $750 million annually in processing and mailing costs. More importantly, paper checks are vulnerable to interception and alteration, putting recipients' financial security at risk.

Your Electronic Payment Options

The government offers two secure alternatives to paper checks:

  1. Direct Deposit: Funds are deposited directly into your checking, savings, or fintech account.
  2. Direct Express® Debit Card: A government-approved prepaid card that functions like a regular debit card, with no credit check required.

How to Make the Switch

You can enroll in electronic payments through any of these methods:

  • Visit the official Go Direct website
  • Call the Treasury's Electronic Payment Solution hotline
  • Log in to your Social Security Administration (SSA) account online
  • Visit your local Social Security office in person

Important Deadlines and Exceptions

While benefits won't stop immediately, payments may be delayed if you haven't enrolled by the September 2025 deadline. A limited exemption process exists for individuals who cannot access banking services or face significant financial hardship, but this requires formal approval from the Treasury Department.

If you or a family member still receives paper checks, act now to avoid disruption to your benefits.