1. Why Updating Your Bank Information Is Important

Your SSDI benefits are sent directly to your designated bank account each month. If you’ve:

• Opened a new bank account
• Changed banks
• Closed your current account

…it’s essential to update the Social Security Administration (SSA) with your new banking details as soon as possible.

2. Ways to Update Your SSDI Direct Deposit Information

You have several options to update your bank information:

A. Online via Your My Social Security Account

• Visit the SSA website at www.ssa.gov.
• Log in to your My Social Security account. If you don’t have an account, create one by following the registration process.
• Once logged in, go to “My Profile”.
• Select “Update Direct Deposit”.
• Enter your new bank account information:
• Bank name
• Routing number
• Account number
• Account type (checking or savings)
• Confirm the information and submit your changes.

Updating online is usually the fastest and most convenient method.

B. By Phone

• Call the SSA at 1-800-772-1213 (TTY 1-800-325-0778).
• Speak to a representative and request to update your direct deposit information.
• Have your Social Security number and new bank details ready for verification.

C. In Person at Your Local SSA Office

1. Locate your nearest Social Security office in Virginia using the SSA’s office locator tool.
2. Bring:

• Your Social Security card or number
• A voided check or bank document with your new account details
• A valid photo ID

Due to potential wait times, consider calling ahead to schedule an appointment.

D. Through Your Bank

Some banks offer services that can update your direct deposit information directly with the SSA. Contact your bank to ask if they provide this service.

3. When Will the Change Take Effect?

• Updates generally take 1-2 payment cycles to process.
• Monitor your old and new accounts during the transition to ensure no payments are missed.

4. What Happens If You Don’t Update?

If SSA sends your benefit to a closed account, your bank will reject the payment and return it to SSA, causing delays while they contact you for updated information.