Why Updating Your Direct Deposit Information Matters

Keeping your direct deposit information current ensures:

• You receive SSDI payments on time
• Your benefits are not delayed, returned, or suspended
• Your account stays accurate and secure, reducing the risk of fraud or mispayment

If bank account information changes and you don’t update it, your SSDI payment could be rejected—leading to administrative delays or even payment interruption.

Ways to Change Your Direct Deposit Information

1. Use the “My Social Security” Online Account

Going online is the fastest and most reliable method:

• Log in or create a My Social Security account
• Navigate to “Direct Deposit” or “Banking Information”
• Enter your new bank’s routing number, account number, and account type
• Save your updates—changes typically take effect within one payment cycle

2. Call the SSA by Phone

If you don’t have online access:

• Call the Social Security helpline at 1‑800‑772‑1213 (TTY users: 1‑800‑325‑0778)
• Provide your Social Security number and new banking details
• Confirm that your account change has been accepted and you’ll see the update reflected in upcoming payments

3. Visit a Local SSA Office in Arizona

If you prefer handling matters in person:

• Locate your nearest Social Security office in Arizona
• Bring your Social Security card and a valid photo ID
• Provide a voided check or deposit slip for your new account
• A staff member will process the update and give you a confirmation

What Information You’ll Need

To complete the change, you should have on hand:

• Your full name and Social Security number
• Routing number and account number for the new account
• A voided check or deposit slip for verification (if needed)
• The date you’d like the new deposit information to take effect

When Your Changes Will Take Effect

• Updates submitted online usually take effect within one or two payment cycles
• If you call or visit an office, the processing may take a few weeks
• Your current account will continue to receive benefits until the change is fully implemented
• After the switch, check your bank account to confirm your next SSDI payment is deposited correctly

What to Do If You Don’t Receive Your Payment

If your payment is delayed:

• First, check whether the update went through in your My Social Security account
• Review your bank statement to see if your SSDI payment was deposited into your old account
• Contact the SSA to cancel automatic withdrawal from the old account if needed
• Reach out to your bank to ask about pending deposits or related holds

Promptly resolving the issue helps prevent longer delays or administrative backlog.