As of October 1, 2025, all Social Security, SSI, VA, tax returns, and other federal payments will be made electronically. The agencies will no longer send paper checks, with some rare exceptions.
If you have a bank account, sign up now for electronic payment.
- If you do NOT have a bank account where you can receive direct deposits, please see below for resources to help you open a safe, affordable account.
Bank On San Francisco helps you find a bank account with no overdraft or hidden fees. Bank On certified accounts do not require a minimum balance and have no overdraft or hidden fees. Learn more and find an account.
San Francisco offers free, confidential financial counseling to anyone who lives, works, or receives services in the City. If you need help opening up a Bank On account, setting up direct deposit, or deciding what the best option is for you, schedule an appointment with a financial counselor.
Those who opt not to open a bank account may use a Direct Express Mastercard to receive their federal benefits, a prepaid debit card offered to federal benefit recipients. There is no minimum balance requirement, no overdraft fees, and no monthly fees, though fees apply to ATM withdrawals and some other services. To enroll, call the U.S. Treasury at 1-877-874-6347 or visit your local federal paying agency. You will need your Social Security number, date of birth, and information from your most recent federal benefit check or claim number.
The SSA has said exemptions will only be approved in extremely rare circumstances for those whose “mental impairment or remote geographic location makes you unable to receive payments electronically.” Beneficiaries interested in requesting an exemption from the electronic payment requirement must file a waiver with the U.S. Treasury by calling 1-877-874-6347.
Scammers are likely to take advantage of this policy change and create fake emails, texts, and websites claiming to be the U.S. government. We urge you to use caution and double-check the source when providing any personal information. If you have concerns, schedule an appointment with a financial counselor who can help you step by step. Learn more about frauds, scams, and how to spot them.