How to update SSA direct deposit info? What do I need?
Hey everyone, I need to update my banking info for direct deposit with SSA. Anyone know what I need to have ready when I call? I'm worried about messing this up and delaying my payments.
24 comments
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Emma Taylor
I just did this last month! Make sure you have your new bank's routing number and account number ready. They'll probably ask for a recent bank statement or voided check too. It's pretty straightforward, don't stress!
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Javier Garcia
•Thanks so much! Did they ask for anything else? How long did it take for the change to go through?
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Emma Taylor
•No problem! They just asked for my SSN and some basic identity verification stuff. The change went through in about 5-7 business days for me. Good luck!
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Malik Robinson
•5-7 days? Luckyy. Mine took like 3 weeks 🙄
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Isabella Silva
Ugh, good luck getting through to anyone at SSA. I've been trying for weeks and can never get past the hold music. 🎶😫
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Ravi Choudhury
•I feel ya. It's like trying to win the lottery just to talk to a human these days.
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CosmosCaptain
•Pro tip: I found a way to get someone on the phone fast. Used this site called claimyr.com - it's a calling tool that dials the menu, stays on hold, and then connects you when a live agent picks up. Costs $20 but totally worth it for me. Check out this video: https://youtu.be/Z-BRbJw3puU
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Freya Johansen
•Wait, seriously? $20 to skip the hold? Sounds too good to be true...
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CosmosCaptain
•I know it sounds sketchy, but I swear it worked for me. Saved me hours of frustration. Just sharing what helped me out!
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Omar Fawzi
Make sure you triple check those numbers before you give them to SSA! I transposed two digits in my account number and it was a NIGHTMARE to fix. Took almost 2 months to sort out. 😱
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Chloe Wilson
Anyone know if you can do this online instead of calling? The SSA website is so confusing, I can never find what I'm looking for.
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Diego Mendoza
•Last I checked, you gotta call for this one. They're still living in the stone age with some of their processes 🦕
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Anastasia Romanov
•Yep, calling is the only way. Wish they'd update their system already!
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StellarSurfer
Here's a detailed guide for updating your direct deposit info with SSA: 1. Gather necessary documents: - New bank account number - Bank routing number - Recent bank statement or voided check - Your Social Security number - A valid form of ID 2. Call SSA at 1-800-772-1213 (TTY 1-800-325-0778) - Best times to call: Wednesday-Friday, early morning or late afternoon 3. Navigate the automated system: - Press '1' for English - Then press '3' for other services - Finally, press '3' again to report a change 4. Verify your identity with the agent 5. Provide your new banking information 6. Ask for a confirmation number and estimated processing time 7. Follow up if you don't see the change within 30 days Remember, SSA will never call you unsolicited to ask for this info. Always initiate contact yourself to avoid scams! Hope this helps, good luck!
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Javier Garcia
•Wow, thank you so much for this detailed guide! This is exactly what I needed. You're a lifesaver! 🙏
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Sean Kelly
•Great info! Might want to add that sometimes they ask for your most recent benefit amount too, just as an extra verification step.
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Zara Malik
•This should be pinned to the top of the subreddit tbh
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Luca Greco
am i the only 1 who thinks its crazy we still have to call for this stuff? its 2023 ffs, let me update my bank online already 🙄
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Nia Thompson
•Preach! 🙌 The whole system needs a major overhaul.
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Mateo Rodriguez
Quick question - does anyone know if changing banks affects when you receive your payment? Like, will it delay things for a month or something?
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Aisha Hussain
•In my experience, if you do it early enough in the month, it shouldn't affect your next payment. But if you're cutting it close to your usual deposit date, it might push it back a bit. Better to do it right after a payment to be safe!
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Philip Cowan
Just wanted to add - if you're switching from one bank to another, make sure to keep your old account open for at least a month after the change goes through. I made the mistake of closing mine too early and when there was a small delay in processing, SSA tried to deposit to the closed account and it caused a whole mess. Learned that lesson the hard way! 😅
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Hunter Edmunds
•Oh wow, that's really good to know! I almost made the same mistake - was planning to close my old account right away. Thanks for the heads up, definitely saving me from a potential headache! 😅
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Kristian Bishop
One more tip that saved me a lot of hassle - write down the confirmation number they give you and the name of the representative you spoke with. I had to call back a few weeks later when my payment didn't switch over as expected, and having that info made the follow-up call so much smoother. The second agent was able to look up my case immediately and fix the issue. Also, don't be afraid to ask them to repeat the confirmation number - some of those representatives talk really fast! 📝
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