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To protect you from rising mail theft and financial fraud, the federal government will stop sending paper checks after September 30, 2025, except in limited cases.

If you are a federal benefit payment recipient (such as Social Security or Veterans Payments), you will need to choose an electronic payment method either through direct deposit to your bank or credit union account or to a Direct Express® Debit Mastercard®.

This applies to you if you receive any of the following federal benefit payments:

Social Security
Supplemental Security Income
Veterans Affairs
Railroad Retirement Board
Office of Personnel Management
Department of Labor (Black Lung)

There are many advantages to switching to electronic payments:

Faster access to your money

Electronic payments provide a faster, more convenient and cost-effective way for people to get their benefits, compared to paper checks. In fact, people who receive benefit payments by paper check are at least 16 times more likely to have a problem with a paper check than with an electronic payment.

Safer delivery – no lost or stolen checks

People who receive benefit payments electronically do not need to visit a financial institution to cash or deposit a check to gain access to their money. Instead, their benefit payment is available in their bank account without having to take any action. This is important to people who are elderly or disabled, or who may lack access to transportation.

No bank account – no problem

If you do not have a bank account or access to a financial institution, the Direct Express® Debit Mastercard® is another secure electronic payment option for you. No credit check is required. There are no fees to sign up for the card, as well as no monthly fees or overdraft fees. Simply use the card to pay for everyday purchases and avoid the need to cash a check or carry large amounts of cash. The Direct Express® card provides a safe and low-cost electronic payment option.

Please be aware that you are only able to convert your payment to direct deposit using your personal bank account or credit union on this site. If you do not have a bank account or want to enroll for a Direct Express® Debit Mastercard®, call the U.S. Treasury Electronic Payment Solution Center at 1-877-874-6347.

The Go Direct® and Direct Express® logos, Go Direct® and Direct Express® are registered service marks of the U.S. Department of the Treasury, Bureau of the Fiscal Service (used with permission). The Direct Express® Debit Mastercard® card is issued by Comerica Bank, pursuant to a license by Mastercard International Incorporated. Mastercard® is a registered trademark of Mastercard International Incorporated.

rev: 07/15/2025

Welcome! Start your Direct Deposit enrollment.
Next
Form Fields

You will be required to fill out each of the fields on the form that is marked with a red asterisk (*).
Next
Invalid Values

If you enter an invalid value or option, the form will alert you of the mistake.
Next
Error Panel

Errors will then be displayed in the Error Panel at the top of each section.
Next
Error Link

By clicking the error in the panel, you will be taken to the specific error on the page.
Next
Reset Button

If you wish to CLEAR the entire form, select reset.
Next
Confirm and Agree

When you have completed the form and read the acknowledgement agreement, select Confirm and Agree.
End Tutorial