How to Use Direct Deposit for Social Security

Direct deposit is a quick and convenient way to get funds in your bank account without having to take a check and deposit slip to the bank. While many people have their paychecks directly deposited, it is also possible to use direct deposit for Social Security benefits as well.

• Call the Social Security main office hot line at 1-800-772-1213. Use the keypad on your phone to navigate through the recordings and connect to a customer service representative. Explain that you would like to have your Social Security benefits direct deposited into your bank account. You may be able to give the operator your bank information over the phone to set up direct deposit instantly, or the operator may offer to mail you a form that can be completed and returned to your nearest Social Security office.


• Visit the Social Security website and register or sign into your account. Look under the preferences menu in the account tab to change how you receive your Social Security benefits. Choose the direct deposit option and fill out the online form. It can take several days for the direct deposit to be authorized. If online forms are not offered, print out the forms, fill them out by hand, and return them to the nearest Social Security office.


• Contact your bank and inform a representative that your Social Security benefits will be directly deposited. The bank will need to verify the direct deposits. Informing the bank of the deposit change will make it aware of the direct deposit and help get it verified faster.