The Social Security Administration (SSA) will eliminate paper checks effective September 30, 2025. This decision aims to reduce fraud, delays, and unnecessary operational costs. Beneficiaries still receiving mailed payments must act to prevent fund disruptions.
Activate direct deposit into your bank account via “my Social Security,” calling 1‑800‑772‑1213, or submitting Form SSA-1199A. The online option remains the fastest method to update payment details without physical visits.
What you can do to avoid your retirement payment to be stopped
If you lack a bank account, request the Direct Express card. This debit instrument receives federal payments directly, eliminating banking requirements. Its design prioritizes accessibility for all beneficiaries.
Verify your identity by creating a “my Social Security” account or visiting a local office. This step is mandatory to complete the electronic transition and confirm fund eligibility.
Approximately 456,000 people still rely on paper checks. After elimination, non-migrators face payment delays. Electronic deposits prevent mail loss, misplacement, or theft, ensuring greater security and timeliness.
SSA has strengthened identity verification to prevent fraud. Deposit changes now process within one business day, significantly accelerating updates compared to the weeks-long paper system.
Since we’ere here, let’s see July’s payment schedule
On Wednesday, July 9, the agency issued payments to beneficiaries born between the 1st and 10th of any month. This disbursement follows SSA’s standard payment calendar.
Next payment: July 16
Wednesday, July 16 covers those born between the 11th and 20th. Direct deposit funds typically appear before 9 a.m. local time, while mailed checks may take 1-3 days.
Cycle closes: July 23
The final group receives payment on Wednesday, July 23, comprising birthdays between the 21st and 31st. This concludes the three monthly cycles, ensuring full coverage by birth date.
2025 maximum benefit amounts
SSA sets monthly caps based on retirement age. Those retiring at “full retirement age” (approximately 67) may receive up to $4,018 monthly. These figures reflect inflation adjustments.
Delaying retirement until age 70 increases maximum payments to $5,108 monthly. Conversely, early retirement at 62 limits benefits to $2,831 monthly.
The average monthly benefit for retirees in 2025 is $1,976 following the 2.5 % Cost of Living Adjustment (COLA). This increase aims to offset inflation and maintain purchasing power.
What to do if your retirement payment won’t show up
If your Social Security payment is delayed, first verify the scheduled deposit date based on your birthdate. Check your bank account or Direct Express® card for pending transactions. If funds are missing after three business days, contact the SSA at 1-800-772-1213 (TTY 1-800-325-0778) or visit your local office.
Ensure your direct deposit details are current in your “my Social Security” account. For lost or stolen checks, report it immediately to prevent fraud. Keep records of all communications for reference.