How long for Social Security direct deposit to change banks? Urgent timeline needed!

I switched my direct deposit from Wells Fargo to a credit union last year. The change took effect with my very next payment - about 12 days after I made the request. SSA is pretty efficient with this particular process. Just make sure you keep your old account open until you see the deposit hit your new account to be safe!

SSA standard processing time for direct deposit changes is 30-45 days, but in PRACTICE it usually happens by the next payment cycle. The issue is your closed account. When the payment attempts to deposit into a closed account, it will be returned to Treasury, and THEN they'll mail you a paper check to your address on file. This can add 5-10 more days to receive your money.

dont panik yet!! my mom had this exact thing happen. she closed her Regions acct before the SS$ hit new bank. but SSA was super fast and payment went to new bank with no problems!!

I work as a financial counselor for seniors, and I see this situation frequently. Here's what actually happens: 1. If you made the change through the SSA office or phone: It typically processes within 7-10 business days 2. If you made the change through your my Social Security account online: It can process as quickly as 2-3 business days The 30-60 day timeframe is an overestimate for safety. However, since you've already closed your Chase account, here's what will likely happen: If the change hasn't processed in time, Treasury will attempt to deposit to Chase, Chase will reject it, and Treasury will issue a paper check to your address on record with SSA. This process adds about 10-14 days. I strongly recommend calling SSA immediately to explain the situation and confirm your current mailing address. You can also request an emergency payment at your local office if you face financial hardship due to the delay.

Same thing happened to me last year. The money never showed up and I had to wait 6 WEEKS before they would even help me track it down. SSA is a mess.

Has anyone tried using Claimyr to get through to SSA? I had a similar direct deposit issue last month and was going CRAZY trying to reach someone. Spent 3 days getting busy signals and disconnects. Found this service at claimyr.com that got me connected to an agent in under 20 minutes. They have a video showing how it works: https://youtu.be/Z-BRbJw3puU The agent I spoke with was able to expedite my direct deposit change when I explained I'd already closed my old account. Payment hit my new account on time!

just happened 2 my mom in February so pretty recent. she got her $$ on regular day just in new bank! try not 2 worry 2 much

I DID THE EXACT SAME THING LAST YEAR!!! Closed my old account too soon and panicked. Called SSA every day for a week - finally got through and they told me the payment would go to my new bank. But it DIDN'T!!! Had to wait for paper check which took FOREVER. If you need the money right away, go to your local SSA office in person and request an immediate payment. They can do it same day if you explain it's an emergency. Bring ID and proof of your bank account closure.

My sister works for SSA and says banking changes are actually prioritized in their system because they understand it's critical for payments. If you made the change online AND you already have one direct deposit payment history with SSA, the change should process within 3-5 business days in most cases. Since you've already closed your old account, definitely call to confirm the change is in process. Ask specifically if they can see the new account info is 'activated' in their system.

Yes, definitely got me through to a real person! I was shocked because I'd been trying for days. The system kept me updated by text about my place in line, then connected me when an agent was available. Saved me a trip to the SSA office which is an hour away for me.

Update us on what happens! I'm curious if they'll process your change in time. The timeframes vary so much based on staffing and workloads at different offices.