Form to change bank account for social security direct deposit

September 6 is National Fight Procrastination Day. With our busy lives, it is easy to fall into that cycle of constantly postponing some tasks because of other things we need to address right now. This may be true for you when it comes to changing your payment method for Social Security benefits. Unfortunately, procrastinating on reporting changes can lead to delayed payments, resulting in undue hardship with bills and living expenses. Ultimately, it’s less hassle — and less stressful — if you report a direct deposit change as soon as it occurs. 

How can you change your direct deposit information with Social Security? The most convenient way is by creating a personal my Social Security account. Once you create your account, you can update your bank information without leaving the comfort of your home. Another way to change your direct deposit is by calling Social Security at 1-800-772-1213 (TTY 1-800-325-0778) to make the change over the phone. If you prefer to speak to someone in-person, you can visit your local Social Security office with the necessary information.

What exactly will Social Security need to make the direct deposit change? Because we are committed to protecting your personal information, we need some form of identification to verify who you are. If you are online, we verified your identity when you initially created your personal my Social Security account. All you need to do is log in with your secure username and password to gain instant access to your information.

If you call Social Security, we will ask identifying questions to ensure we are speaking to the right person. If you visit the office, you will need to bring a driver’s license or some form of ID with you. Once we have identified you are the correct person and are authorized to make changes on the Social Security record, all we need is the routing number, account number, and type of account established. We don’t ask for a voided check, nor do we obtain verification from the bank. Therefore, you should be sure you are providing accurate information to us.

The day of the month you report the direct deposit change makes all the difference. Though the exact date varies each month, generally, you will need to report changes by the 15th to see the effect on the next check. When the 15th falls on the weekend or a holiday, the cutoff is usually the previous business day. For example, if you switched banks or have a new account in September, you will need to provide the new information to Social Security by September 14 to receive your next payment in the new account. If you don’t report this change to us until September 28, your next payment will go into the old account.

Because you may be unsure if your direct deposit change will affect your next payment, we highly recommend that you do not close the old bank account until you have seen your first Social Security deposit in the new bank account. That way, you can feel secure you will receive your benefits on time, regardless of when the change was reported to Social Security. Waiting until you see the deposit in your new account also gives you the extra peace of mind that we processed the change correctly.

The first step in fighting procrastination is increased awareness. Knowing how easy it is to report a direct deposit change, what information to report, and when, can encourage you to get in touch with Social Security at the earliest possible moment. In addition, making sure we know about a change early ensures we help make the transition as smooth as possible.

When you have to report changes, be sure to contact us or visit us online. Social Security always strives to put you in control by providing the best experience and service no matter where, when, or how you decide to do business with us.

Tags: my Social Security, my Social Security account, Social Security benefits

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Use the SSA-1199 sign-up form to enroll in International Direct Deposit (IDD). Forms are available on this site for all participating IDD countries. Before enrolling in IDD, you must meet the following requirements:

  • You must be a Title II beneficiary;
  • You must reside outside the U.S.;
  • You must keep us informed of your residence address (If you return to live in the U.S., IDD will cease); and
  • You must select a direct deposit account in a foreign financial institution (FI) that meets the requirements outlined in GN 02402.030 and GN 02402.045 through GN 02402.060

To start the IDD enrollment process, select and print the appropriate SSA-1199 form. Fill out sections 1 and 2. Have your financial institution fill out section 3. Mail the completed form to the appropriate Federal Benefits Unit indicated on the form.

NumberTitle
SSA-1199-CN Direct Deposit Sign Up Form - Canada
SSA-1199-DN Direct Deposit Sign Up Form - Denmark
SSA-1199-ES Direct Deposit Sign Up Form - Estonia
SSA-1199-FR Direct Deposit Sign Up Form - France
SSA-1199-GE Direct Deposit Sign Up Form - Germany
SSA-1199-HC Direct Deposit Sign Up Form - Haiti
SSA-1199-HU-OP1 Direct Deposit Sign Up Form - Hungary
SSA-1199-IN Direct Deposit Sign Up Form - India
SSA-1199-JA Direct Deposit Sign Up Form - Japan
SSA-1199-SP-OP1 Direct Deposit Sign Up Form - Dominican Republic
SSA-1199-OP1 Direct Deposit Sign Up Form - Anguilla
SSA-1199-OP2 Direct Deposit Sign Up Form - Antigua and Barbuda
SSA-1199-OP3 Direct Deposit Sign Up Form - Australia
SSA-1199-OP4 Direct Deposit Sign Up Form - Bahama Islands
SSA-1199-OP5 Direct Deposit Sign Up Form - Barbados
SSA-1199-OP6 Direct Deposit Sign Up Form - Belgium
SSA-1199-OP7 Direct Deposit Sign Up Form - British Virgin Islands
SSA-1199-OP8 Direct Deposit Sign Up Form - Cayman Islands
SSA-1199-OP9 Direct Deposit Sign Up Form - Cyprus
SSA-1199-OP10 Direct Deposit Sign Up Form - Finland
SSA-1199-OP11 Direct Deposit Sign Up Form - Grenada
SSA-1199-OP12 Direct Deposit Sign Up Form - Hong Kong
SSA-1199-OP13 Direct Deposit Sign Up Form - Czech Republic
SSA-1199-OP14 Direct Deposit Sign Up Form - Israel
SSA-1199-OP15 Direct Deposit Sign Up Form - Jamaica
SSA-1199-OP16 Direct Deposit Sign Up Form - Malta
SSA-1199-OP17 Direct Deposit Sign Up Form - Netherlands
SSA-1199-OP18 Direct Deposit Sign Up Form - Sint Maarten
SSA-1199-OP19 Direct Deposit Sign Up Form - New Zealand
SSA-1199-OP20 Direct Deposit Sign Up Form - Norway
SSA-1199-OP21 Direct Deposit Sign Up Form - Panama
SSA-1199-OP22 Direct Deposit Sign Up Form - South Africa
SSA-1199-OP23 Direct Deposit Sign Up Form - Saint Kitts and Nevis
SSA-1199-OP24 Direct Deposit Sign Up Form - Saint Lucia
SSA-1199-OP25 Direct Deposit Sign Up Form - Saint Vincent and the Grenadines
SSA-1199-OP26 Direct Deposit Sign Up Form - Trinidad Tobago
SSA-1199-OP27 Direct Deposit Sign Up Form - Turkey
SSA-1199-OP28 Direct Deposit Sign Up Form - Iceland
SSA-1199-OP29 Direct Deposit Sign Up Form - Luxembourg
SSA-1199-OP30 Direct Deposit Sign Up Form - Samoa
SSA-1199-OP31 Direct Deposit Sign Up Form - Slovakia
SSA-1199-OP32 Direct Deposit Sign Up Form - Slovenia
SSA-1199-OP33 Direct Deposit Sign Up Form - Egypt
SSA-1199-OP34 Direct Deposit Sign Up Form - Lithuania
SSA-1199-OP35 Direct Deposit Sign Up Form - Singapore
SSA-1199-OP36 Direct Deposit Sign Up Form - Indonesia
SSA-1199-OP37 Direct Deposit Sign Up Form - Monaco
SSA-1199-OP38 Direct Deposit Sign Up Form - San Marino
SSA-1199-OP39 Direct Deposit Sign Up Form - South Korea
SSA-1199-OP40 Direct Deposit Sign Up Form - Ghana
SSA-1199-OP41 Direct Deposit Sign Up Form - Cape Verde
SSA-1199-OP42 Direct Deposit Sign Up Form - Martinique
SSA-1199-OP43 Direct Deposit Sign Up Form - Peru
SSA-1199-OP44 Direct Deposit Sign Up Form - Latvia
SSA-1199-OP45 Direct Deposit Sign Up Form - Jordan
SSA-1199-OP46 Direct Deposit Sign Up Form - Pakistan
SSA-1199-OP47 Direct Deposit Sign Up Form - Bolivia
SSA-1199-OP48 Direct Deposit Sign Up Form - Albania
SSA-1199-OP49 Direct Deposit Sign Up Form - China
SSA-1199-OP50 Direct Deposit Sign Up Form - Croatia
SSA-1199-OP51 Direct Deposit Sign Up Form - Costa Rica
SSA-1199-OP52 Direct Deposit Sign Up Form - Lebanon
SSA-1199-OP53 Direct Deposit Sign Up Form - Nigeria
SSA-1199-OP54 Direct Deposit Sign Up Form - Tunisia
SSA-1199-OP55 Direct Deposit Sign Up Form - Bulgaria
SSA-1199-OP56 Direct Deposit Sign Up Form - Malaysia
SSA-1199-OP57 Direct Deposit Sign Up Form - Bosnia-Herzegovina
SSA-1199-OP58 Direct Deposit Sign Up Form - Morocco
SSA-1199-OP59 Direct Deposit Sign Up Form - Bangladesh
SSA-1199-OP60 Direct Deposit Sign Up Form - Ethiopia
SSA-1199-OP61 Direct Deposit Sign Up Form - Nauru
SSA-1199-OP62 Direct Deposit Sign Up Form - Sri Lanka
SSA-1199-OP63 Direct Deposit Sign Up Form - Macedonia
SSA-1199-OP64 Direct Deposit Sign Up Form - Laos
SSA-1199-OP65 Direct Deposit Sign Up Form - Russia
SSA-1199-OP66 Direct Deposit Sign Up Form - Paraguay
SSA-1199-OP67 Direct Deposit Sign Up Form - Sierra Leone
SSA-1199-OP68 Direct Deposit Sign Up Form - Serbia
SSA-1199-OP69 Direct Deposit Sign Up Form - Colombia
SSA-1199-OP70 Direct Deposit Sign Up Form - Palestine
SSA-1199-OP71 Direct Deposit Sign Up Form - Cambodia
SSA-1199-OP72 Direct Deposit Sign Up Form - Palau
SSA-1199-OP73 Direct Deposit Sign Up Form - Saudi Arabia
SSA-1199-OP74 Direct Deposit Sign Up Form - Eritrea
SSA-1199-OP75 Direct Deposit Sign Up Form - Ecuador
SSA-1199-OP76 Direct Deposit Sign Up Form - Kenya
SSA-1199-OP77 Direct Deposit Sign Up Form - Philippines
SSA-1199-OP78 Direct Deposit Sign Up Form - Chile
SSA-1199-OP79 Direct Deposit Sign Up Form - Taiwan
SSA-1199-OP80 Direct Deposit Sign Up Form - Vietnam
SSA-1199-OP81 Direct Deposit Sign Up Form - Tanzania
SSA-1199-OP82 Direct Deposit Sign Up Form - Suriname
SSA-1199-OP83 Direct Deposit Sign Up Form - Liberia
SSA-1199-OP84 Direct Deposit Sign Up Form - Bonaire
SSA-1199-OP85 Direct Deposit Sign Up Form - Georgia
SSA-1199-OP86 Direct Deposit Sign Up Form - Nicaragua
SSA-1199-OP87 Direct Deposit Sign Up Form - Bahrain
SSA-1199-OP88 Direct Deposit Sign Up Form - Honduras
SSA-1199-OP89 Direct Deposit Sign Up Form - Uruguay
SSA-1199-OP90 Direct Deposit Sign Up Form - Montserrat
SSA-1199-OP91 Direct Deposit Sign Up Form - Guatemala
SSA-1199-OP92 Direct Deposit Sign Up Form - Belize
SSA-1199-OP93 Direct Deposit Sign Up Form - Brazil
SSA-1199-OP94 Direct Deposit Sign Up Form - Bermuda
SSA-1199-OP95 Direct Deposit Sign Up Form - Curacao
SSA-1199-OP96 Direct Deposit Sign Up Form - Argentina
SSA-1199-OP97 Direct Deposit Sign Up Form - El Salvador
SSA-1199-OP98 Direct Deposit Sign Up Form - Ireland
SSA-1199-OP99 Direct Deposit Sign Up Form - Romania
SSA-1199-OP100 Direct Deposit Sign Up Form - Montenegro
SSA-1199-OP101 Direct Deposit Sign Up Form - Macao
SSA-1199-OP102 Direct Deposit Sign Up Form - Senegal
SSA-1199-OP103 Direct Deposit Sign Up Form - Micronesia
SSA-1199-OP104 Direct Deposit Sign Up Form - Marshall Islands
SSA-1199-OP105 Direct Deposit Sign Up Form - Fiji Islands
SSA-1199-OP106 Direct Deposit Sign Up Form - Sudan
SSA-1199-OP107 Direct Deposit Sign Up Form - Thailand
SSA-1199-OP108 Direct Deposit Sign Up Form - Gambia
SSA-1199-OP109 Direct Deposit Sign Up Form - Algeria
SSA-1199-OP110 Direct Deposit Sign Up Form - Uganda
SSA-1199-OP111 Direct Deposit Sign Up Form - QATAR
SSA-1199-OP112 Direct Deposit Sign Up Form - United Arab Emirates
SSA-1199-OP113 Direct Deposit Sign Up Form - Dominica
SSA-1199-OP114 Direct Deposit Sign Up Form - French Polynesia
SSA-1199-OP115 Direct Deposit Sign Up Form - Moldova
SSA-1199-OP116 Direct Deposit Sign Up Form - Myanmar
SSA-1199-OP117 Direct Deposit Sign Up Form - Nepal
SSA-1199-OP118 Direct Deposit Sign Up Form - Turks and Caicos Islands
SSA-1199-OP119 Direct Deposit Sign Up Form - Tonga
SSA-1199-OP120 Direct Deposit Sign Up Form - Solomon Islands
SSA-1199-OP121 Direct Deposit Sign Up Form - Cameroon
SSA-1199-OP122 Direct Deposit Sign Up Form - Brunei
SSA-1199-OP123 Direct Deposit Sign Up Form - Yemen
SSA-1199-OP124 Direct Deposit Sign Up Form - Aruba
SSA-1199-OP125 Direct Deposit Sign Up Form - New Caledonia
SSA-1199-OP126 Direct Deposit Sign Up Form - Iraq
SSA-1199-OP127 Direct Deposit Sign Up Form - Guyana
SSA-1199-OP128 Direct Deposit Sign Up Form - New Guinea
SSA-1199-OP129 Direct Deposit Sign Up Form - Andorra
SSA-1199-OP130 Direct Deposit Sign Up Form - Malawi
SSA-1199-OP131 Direct Deposit Sign Up Form - Vanatu
SSA-1199-OP132 Direct Deposit Sign Up Form - East Timor
SSA-1199-OP133 Direct Deposit Sign Up Form - Mongolia
SSA-1199-OP134 Direct Deposit Sign Up Form - Ukraine
SSA-1199-OP135 Direct Deposit Sign Up Form - Bhutan
SSA-1199-OP136 Direct Deposit Sign Up Form - Maldives
SSA-1199-OP137 Direct Deposit Sign Up Form - Zimbabwe
SSA-1199-OPAS Direct Deposit Sign Up Form - Austria
SSA-1199-PO-OP1 Direct Deposit Sign Up Form - Poland
SSA-1199-PE Direct Deposit Sign Up Form - Portugal
SSA-1199-SP Direct Deposit Sign Up Form - Spanish
SSA-1199-SW Direct Deposit Sign Up Form - Sweden
SSA-1199-SZ Direct Deposit Sign Up Form - Switzerland
SSA-1199-UK Direct Deposit Sign Up Form - United Kingdom

Is there a form to change direct deposit for Social Security?

You may need to fill out a new Direct Deposit sign-up form. Section 205(a) of the Social Security Act, as amended, allows us to collect this information.

Can I change my direct deposit information with Social Security online?

You can also create a my Social Security account and start or change Direct Deposit online. In extremely rare circumstances, Treasury may grant exceptions to the electronic payment mandate. For more information or to request a waiver, call Treasury at 855-290-1545.

How do I change my direct deposit from one bank to another?

The process required to change direct deposit can be cumbersome. They would need to contact your HR department and fill out a form with the credentials of their new institution, authorizing the new bank to receive the direct deposit. This process can take two-to-four weeks, or one-to-two pay cycles.

Can I change my Social Security direct deposit over the phone?

Once you create your account, you can update your bank information without leaving the comfort of your home. Another way to change your direct deposit is by calling Social Security at 1-800-772-1213 (TTY 1-800-325-0778) to make the change over the phone.

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