Federal checks went electronic: set up Direct Express or direct deposit
Use when someone gets Social Security, SSI, VA or another federal payment and still got paper checks, lost a check, or has no bank account. Since Sept 30, 2025 most federal payments must go to a bank account or a Direct Express card.
These are the same steps our staff use when they help someone. "They" means the person who needs help: you, or someone you are helping. Go in order, and call ahead when you can.
Since September 30, 2025, the U.S. Treasury has stopped most paper checks. Social Security, SSI, VA and other federal payments now go by direct deposit or on a Direct Express debit card.
People who still got paper checks were not switched for free automatically. They need to sign up.
You can ask"Do you get Social Security, SSI, VA or another federal check? How do you get it now?"
You can ask"Do you have a bank or credit union account? Do you have photo ID?"
You can say"Your money is not gone. We just need to set up a safe place for it to land."
2Option 1: Direct Express card (no bank account needed)
Direct Express is a free debit card from the Treasury. The benefit goes on the card each month.
There is no sign-up fee, no monthly fee and no overdraft fee. They get one free ATM cash withdrawal for each deposit, and free cash from a bank teller.
U.S. Department of the Treasury - Direct Express
Direct Express card enrollment (federal benefits on a debit card)
Social Security, the VA and the Treasury will never call, text or email asking for a card number, PIN or a fee to keep benefits. Hang up and call the real number in Find Help.
Never give someone else the Direct Express card or PIN.
See the guide "Was scammed or had their identity stolen".
This guide is general information only, not medical, legal or other professional advice. Places and rules change, so please call before you go. In an emergency, call 911; in a mental health crisis, call or text 988. Disclaimer
Know a better way? Is something out of date?
If a number or place here is wrong, you know a better resource, or you know a better way to help, tell us. We automatically check reliable sources and update supported routine details. Unclear changes and safety guidance go to our staff for review.
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Questions, or want someone to walk through this with you? The Silver City Gospel Mission, 111 S. Texas St., Silver City, 575-388-5071, weekdays 9:00am-1:45pm. Everyone is welcome.