For years, many Americans receiving Social Security benefits were paid via mailed paper checks. But that is changing.
In 2025, the Social Security checks system is undergoing a major transformation as the U.S. government phases out paper checks in favor of electronic payments.
Why are Social Security checks being phased out?
The move away from paper Social Security checks is driven by goals of efficiency, cost savings, and fraud reduction.
The U.S. Treasury and Social Security Administration (SSA) say that paper checks are more vulnerable to theft, loss, and delays than electronic transfers.
According to the Treasury, issuing a paper check costs about 50 cents, whereas an electronic funds transfer (EFT) costs less than 15 cents.
Also, under an executive order (14247, “Modernizing Payments to and From America’s Bank Account”), all federal payments—including Social Security—must shift to electronic means by September 30, 2025.
As part of this modernization, SSA is asking beneficiaries who still receive paper checks to transition to electronic payments.
What is the deadline for ending paper Social Security checks?
The deadline is September 30, 2025. After that date, SSA will no longer issue paper checks for Social Security benefits.
That timeline aligns with the broader federal policy to phase out paper checks across many benefit and payment programs.
Who still receives Social Security checks today?
As of mid-2025, fewer than 1 percent of Social Security beneficiaries still receive paper checks. That’s about 400,000 or so individuals.
Many of those recipients either do not have a bank account or have not yet enrolled in electronic payment means.
What are the electronic options replacing Social Security checks?
When Social Security checks go away, payments will instead be made via:
- Direct Deposit: Funds go directly into a bank or credit union account
- Direct Express® prepaid debit card: For benefit recipients without a bank account, a government-sponsored debit card can receive federal benefit deposits
Beneficiaries can enroll in these options via their my Social Security account or contact SSA or the Treasury to set them up.
Temporary checks will no longer be issued for initial claims or in transition.
Are there exceptions to the elimination of Social Security checks?
Yes. SSA and Treasury will allow waivers or exceptions in limited, qualifying cases.
Examples include:
- Individuals who are age 90 or older
- Those with mental impairments that make electronic payments impractical
- Beneficiaries living in remote areas without banking or electronic infrastructure
To request an exemption, beneficiaries must file a waiver with the U.S. Treasury (often via a waiver line).
SSA says it will continue issuing paper checks in approved cases, so no one is left without a payment method.
What should you do if you still receive Social Security checks?
If you get Social Security checks by mail now, you should act before the September 30 deadline:
- Enroll in direct deposit via your my Social Security account
- Or apply for the Direct Express card if you don’t have a bank account
- If you believe you qualify for a waiver (for example, age or disability), contact the Treasury to apply
- Ensure your banking details are correct and up to date
- Watch for notices from SSA or the Treasury reminding you of the change
If you don’t change your payment method, there’s a risk your monthly benefit might be delayed or disrupted.
What are concerns and criticisms about ending Social Security checks?
The decision to end Social Security checks has drawn criticisms and concerns, especially around equity and access:
- Many people who still rely on checks are older, unbanked, or have limited internet access. The shift may burden these populations.
- Critics argue that some people prefer the physical security of receiving a check and worry about errors or fraud in digital systems.
- In August 2025, SSA announced it would continue issuing checks in limited cases for those legitimately unable to convert.
- Some lawmakers and advocates have pushed for guarantees that no beneficiary is left without access to their benefits,
Overall, the transition reflects a push toward modernization and lower costs, but it also demands attention to those with limited access or special needs.
