Federal payments are going digital by September 30, 2025; SSA says paper checks remain for those who can’t use e-payments.
Under the “Modernizing Payments To and From America’s Bank Account” order, agencies are phasing out paper. SSA confirms paper checks will still be offered to recipients who genuinely cannot use electronic transfers. Worried you’ll be left behind?
Who will still receive Social Security paper checks despite the digital shift? Social Security serves about 74 million people, and fewer than one percent still receive a mailed check. Small share or not, that’s hundreds of thousands of vulnerable recipients. SSA says paper checks will remain for those unable to use electronic systems, a stance reiterated in discussions with Sen. Elizabeth Warren. Here’s a quick snapshot of who may still receive paper checks:
| Group | Why paper checks remain available |
|---|---|
| Unbanked households (about 4.2% in 2023) | No bank account to receive EFT |
| Recipients without reliable internet or digital access | Cannot safely use online banking or set up direct deposit |
| Recipients unable to use electronic systems | SSA will accommodate those who need paper delivery |
Do you see yourself in one of these categories? If so, you won’t be forced off paper.
How the September 30, 2025 transition affects recipients and what to do
The timeline targets September 30, 2025 for phasing out paper-based payments. Benefit amounts don’t change; the method does. Those who can should switch to direct deposit to avoid delays and get faster, more secure delivery.
Key dates and figures:
- March 25: executive order issued.
- July 14: SSA blog confirms alignment.
- Sept. 30, 2025: target to end paper payments.
- Cost: ~50¢ per check vs. <15¢ per EFT.
- Scale: ~74 million beneficiaries; <1% still on paper.
Not sure where to begin? Contact SSA or your bank to set up EFT.
Why the government is prioritizing electronic payments over paper checks now
The shift aims to boost efficiency, strengthen security, and keep deposits on time. Lower processing costs could save millions annually, while direct deposit reduces theft, loss, and mail delays. Still, SSA will keep paper checks for recipients who need them.
Bottom line: Paper checks aren’t disappearing for people who truly need them. If you can transition, enroll in direct deposit ahead of the September 30, 2025 deadline; if you cannot, expect continued accommodation.