Paper Checks Are Ending for Federal Benefits—Here’s What You Need to Know

Starting September 30, 2025, the federal government will stop sending paper checks for most federal benefits, including Social Security, SSI, and federal tax refunds. If you currently receive your benefits by check, you’ll need to switch to an electronic payment method to avoid delays.

What You Need To Do:
Direct Deposit – The fastest and safest way to receive your benefits. Have your Social Security payment deposited directly into your Sandia Area savings or checking account. No mail or trips to deposit checks each month.
Don’t have a bank account? Open a Sandia Area Peak Plus Checking Account and set up direct deposit to enjoy all the benefits of membership—including getting paid up to two days early.
Learn more about your options and direct deposit here: https://www.ssa.gov/deposit/

What Happens If You Miss the Deadline?
While you may still receive payments for a short time, the Social Security Administration could hold future distributions until you provide electronic payment information. Limited exceptions exist, but most people will need to switch.

How to Set Up Direct Deposit with Sandia Area:
Savings Account: Use your 10-digit Sandia Area savings account number (no spaces or dashes).
Checking Account: Use your 10-digit checking number, found at the bottom of your checks or in Online Banking.
Sandia Area Routing Number: 307070047
Don't have a Sandia Area banking account? Don’t have a Sandia Area checking account? Now’s a great time to open one. With Peak Plus Checking, you’ll not only enjoy all the essential benefits of direct deposit but also the chance to earn rewards, get cash back, or save more with high-yield dividends.

Stay Safe from Scams
With changes like this, scammers often try to take advantage. Always update your information directly through ssa.gov or by contacting Sandia Area. Never share your personal details in response to an unexpected call, email, or letter.

We’re Here to Help
Not sure where to start? Call our Member Contact Center at 505-292-6343 (Mon–Fri, 8:00am–6:00pm MT. Saturday, 9:00am–1:00pm) or stop by your nearest branch. We’ll walk you through the process to ensure you keep receiving your benefits—safely and on time.

Helpful Links:      
Need a checking account? Sandia Area offers FREE and Peak Plus Checking account options. Get started today and enjoy perks like early payday and nationwide ATM access.
What's Sandia Area's routing number? 307070047
What's my account number? Your account number can be found on the bottom of your paper checks, or in online banking. For additional assistance, call 505-292-6343 during our regular business hours.
How do you switch my payment method with the government? Log into My Social Security to set your payment methods.