How to update SSA direct deposit banking info? Tips needed!
Hey everyone, I need to update my banking info for direct deposit with SSA. Has anyone done this recently? Any tips or things I should know before I start the process? I'm a bit nervous about messing it up and delaying my payments.
22 comments
Aiden Chen
I just went through this last month. It's not too bad, but there are a few things to keep in mind: 1. Make sure you have your new bank account info ready (routing number and account number). 2. You can do it online through your my Social Security account if you have one set up. 3. If you prefer to do it by phone, be prepared for a long wait time. 4. They might ask for additional verification, so have your ID and SSN card handy. 5. The change usually takes effect on the next payment cycle, so plan accordingly. Hope this helps! Let me know if you have any other questions.
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Sophia Bennett
Thank you so much for the detailed response! This is really helpful. I do have a my Social Security account, so I'll probably try to do it online. Do you know how long it took for your changes to be processed?
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Aiden Chen
No problem! Happy to help. For me, the online change was processed pretty quickly - I think it took about 3-4 business days. But they say it can take up to 2 weeks, so don't panic if it's not immediate.
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Zoey Bianchi
Just wanna add that I did mine over the phone and it took foreverrr to get through to someone. If u can do it online, def go that route!
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Christopher Morgan
ugh, i tried to update my banking info last year and it was such a headache. the website kept crashing on me and when i finally got through on the phone, they told me i needed to come in person with like 50 forms of ID 🙄 hope it goes smoother for you!
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Aurora St.Pierre
Same here! The SSA website is so frustrating sometimes. It's like they're stuck in the 90s or something 💀
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Grace Johnson
Yall need to chill. The website works fine most of the time. Just gotta be patient and try during off-peak hours.
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Jayden Reed
Pro tip: if you're having trouble getting through to someone at SSA, I found this awesome service called Claimyr. They dial the phone menu, stay on hold, and then connect you when a live agent picks up. It costs $20 but saved me hours of frustration. Here's a video about it: https://youtu.be/Z-BRbJw3puU
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Nora Brooks
Sounds too good to be true. Has anyone else tried this?
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Eli Wang
I'm skeptical. How do we know this isn't just some scam to get our info?
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Jayden Reed
I get the skepticism, but I promise it's legit. Used it twice now and it worked like a charm both times. They don't ask for any personal info beyond your phone number to call you back.
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Cassandra Moon
$20 to save hours of hold time? Sign me up! 🙌
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Zane Hernandez
word of advice: double check EVERYTHING before you submit any changes. i accidently put in the wrong routing number and my payment got all messed up. took weeks to sort out 😫
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Genevieve Cavalier
Has anyone had experience updating banking info for someone else? My grandma needs to update hers but she's not tech savvy at all.
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Ethan Scott
You'll need to be her designated representative. There's a form for that - I think it's called SSA-1696. Fill that out first, then you can help her make the changes.
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Genevieve Cavalier
Thanks for the info! I'll look into that form. Appreciate the help 👍
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Lola Perez
lol good luck dealing with SSA. might as well try to teach a rock to swim 🪨🏊♂️
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Nathaniel Stewart
Cmon man, they're not that bad. I've had mostly positive experiences with them.
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Lola Perez
Found the SSA employee 👀
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Nathaniel Stewart
Nah, just someone who doesn't like unnecessary negativity. But you do you, I guess.
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Riya Sharma
Quick question - does anyone know if changing your direct deposit info affects your payment date? I rely on getting paid on a specific day each month.
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Santiago Diaz
In my experience, it didn't change the payment date. But it might delay the first payment to the new account by a few days while they verify everything.
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