The Social Security Administration plans to complete a full transition to electronic payments for all beneficiaries by year-end 2026, marking the end of paper check distributions that have served seniors and disabled workers for decades.
Federal law and Executive Order 14247, signed by President Trump in March 2025, require federal benefits to be paid electronically as of September 30, 2025. The Social Security Administration announced in a June 2 blog post that it intends to finish the shift to electronic-only payments this year, with the Department of the Treasury phasing out paper checks to improve efficiency, reduce costs, and enhance security.
As of June 2026, fewer than 1% of Social Security recipients still receive paper checks, according to the agency. This means the vast majority of beneficiaries have already made the switch, leaving a small population to transition before the year-end deadline.
Why the Shift to Electronic Payments
The cost savings are substantial. The average cost to print a check has increased to $3.07 per check, which is approximately 20 times more expensive than an automated electronic payment, according to the SSA. This shift could save the federal government millions annually.
Beyond cost, electronic payments offer security advantages. Paper checks are 16 times more likely to be lost, stolen, altered, or returned undeliverable than electronic payments, the SSA stated in its announcement. Electronic funds transfers are processed faster, ensuring beneficiaries receive their payments on time every month.
How to Make the Switch
Beneficiaries can switch to electronic payments through their personal mySocial Security account by adding their bank account information for direct deposit. For those without a traditional bank account, the Direct Express prepaid debit card program offers an alternative; beneficiaries can enroll at GoDirect.gov or by calling 1-800-967-6857.
The SSA recognizes that some beneficiaries may face challenges making the transition due to mental health concerns, remote location without financial institution access, or other barriers. These individuals can request a waiver through the U.S. Treasury by calling 1-877-874-4699.
The Social Security Administration has technicians available to help beneficiaries with the transition Monday through Friday from 7:30 a.m. until 4 p.m. ET at their customer service line. The agency encourages all beneficiaries still receiving paper checks to switch now to ensure they receive their benefits securely and on schedule.
Sources
- Social Security Administration — announced full transition to electronic payments by year-end 2026, details on cost savings and security benefits
- USA Today — reported on SSA’s plan to end paper checks, cost comparison ($3.07 per check vs. electronic), and transition methods
