1. Why Updating Your Direct Deposit Matters

Updating your bank account promptly helps ensure:

• Payments arrive on time and in the correct account
• You avoid missed payments or holds
• Your financial planning continues smoothly without surprises

2. Ways to Update Your Direct Deposit

Online (Fastest & Most Secure)

• Log into your my Social Security account at ssa.gov
• Go to “Direct Deposit” under your profile
• Enter your new bank routing number, account number, and account type (checking or savings)
• Submit the update—changes typically take effect within one or two payment cycles

In-Person at a Local SSA Office

• Find your nearest office on ssa.gov/locator and visit or schedule an appointment
• Bring a valid photo ID plus a voided check or bank statement with your new account details
• An SSA representative will process the update in person

3. What You’ll Need

Before making the change, have ready:

• Your Social Security number or claim number
• The new bank’s routing and account numbers
• The type of account (checking or savings)
• Photo ID, if updating in person

4. After You Submit the Update

• Keep your old account open until the first payment lands in the new one
• Monitor both accounts to ensure the transition
• If you don’t see your payment in the new account on time, contact SSA right away to check your update

5. Why You Cannot Update by Phone

To improve security and prevent fraud, SSA no longer accepts direct deposit changes by phone. All updates must be done online through your account or in person at an SSA office.