A major change to Social Security payments takes effect this month, impacting around half a million Americans. The Social Security Administration (SSA) has confirmed that, starting September 30, 2025, paper checks will no longer be issued to beneficiaries. Instead, all payments must be made electronically, either through direct deposit or the Direct Express Card system.
This new rule stems from a March 25 executive order issued by the White House, which directs all federal agencies to modernize payment systems. The SSA’s announcement on July 14, 2025, marks the end of an era for paper-based payments.
Why the Change Is Happening
The SSA outlined three key reasons for this shift:
- Efficiency: Electronic payments are faster and reduce delays compared to mailing paper checks.
- Cost Savings: According to the U.S. Treasury, paper checks cost 50 cents each, while electronic fund transfers (EFTs) cost under 15 cents. The switch could save millions of dollars annually.
- Security: Paper checks are 16 times more likely to be lost, stolen, or altered compared to electronic transfers.
This move is expected to cut fraud, reduce theft, and improve reliability for beneficiaries.
How Many People Are Affected?
Currently, more than 99% of beneficiaries already receive Social Security electronically. However, about 500,000 people—less than 1% of recipients—still rely on paper checks. These individuals will need to switch before September 30, 2025, unless they qualify for a waiver.
Exceptions and Waivers
The SSA has acknowledged that not all beneficiaries can easily switch. Waivers will be available in limited cases, including:
- Individuals over 90 years old.
- Those living in remote areas without electronic banking infrastructure.
- Beneficiaries with severe mental impairments making electronic use impractical.
In such cases, the Treasury will continue issuing paper checks.
Payment Options Going Forward
Beneficiaries now have two primary electronic payment methods:
- Direct Deposit – Payments are sent directly to the recipient’s bank or credit union account.
- Direct Express Card – A prepaid debit card option for those without traditional bank accounts.
To switch, beneficiaries can contact their bank or credit union or update their details online through their my Social Security accounts.
Social Security Payment Schedule – September 2025
The SSA continues to issue payments on a staggered basis depending on birth dates.
| Birth Date Range | Payment Date (September 2025) |
|---|---|
| 1st – 10th | September 10, 2025 |
| 11th – 20th | September 17, 2025 |
| 21st – 31st | September 24, 2025 |
| SSI Payments | September 1, 2025 |
| Combined SSI & SSDI | September 3, 2025 |
Beneficiaries who previously received paper checks must have electronic arrangements set before September 30, 2025.
Impact on Seniors and Disabled Americans
While this update modernizes the system, it raises challenges for older Americans who may be less familiar with online banking. For many, especially those over age 70, adjusting to electronic methods could be daunting. However, the SSA has assured continued support through hotlines, local offices, and direct outreach campaigns to ease the transition.
The SSA’s mandate ending paper checks from September 30, 2025, marks a significant modernization in benefit distribution. With electronic payments offering greater efficiency, cost savings, and fraud protection, most beneficiaries will benefit from the change. However, support remains available for those who face challenges in making the transition.
FAQs
When will paper checks for Social Security end?
Paper checks will no longer be issued starting September 30, 2025, under the new SSA mandate.
How can I switch to electronic payments?
You can set up direct deposit with your bank or apply for a Direct Express Card. Updates can also be made via my Social Security online.
Who qualifies for a waiver to continue receiving paper checks?
Waivers apply to individuals over 90 years old, those in remote areas without banking access, or with severe mental impairments.