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HELP!! Receiving benefits after move to direct deposit

Can anybody tell me what we are supposed to do to assure we recieve our checks next mont? I keep hearing that we have to open a bank account & get my SSI checks transfered there? But what if you dont have a bank account?

Do I have to get one of those prepaid credit cards & get it transfered to that? & if so? How do I go about doing that? Or, will the SSI office just send us some kind of card that we just have to activate at the beginning of each month?

I have heard so many different things regaurding this that I just have NO CLUE what to do? I have tried so many times to call the SSI office & I just can't catch a break?! I can NEVER get a person on the other end & it is very aggrevating?!

If anybody out there can help me out regaurding this subject I would greatly appriciate it?! My husband passed 10 years ago, our daughter & I both recieve a small check each month but I hear that I am out of time? They say, next month, everything is gonna be different? Anyhow, sorry for rambling! & thank you for taking the time to read this!

Sincerely,
Confused Widow


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Essentially everyone must switch to electronic payments by March 1, 2013. If you don't, the U.S. Department of the Treasury may send your benefits via the Direct Express® card program to avoid an interruption in payment.

If you don't have a bank account, you may want to consider getting one. Many banks offer a no-fee account if the account has at least one direct, regular deposit, which your Social Security deposit will qualify.

http://www.ssa.gov/deposit/DDFAQ898.htm

The Direct Express® card is a debit card you can use to access your benefits. And you don't need a bank account.

With the Direct Express® card program, the SSA will deposit your federal benefit payment directly into your card account. Your monthly benefits will be available on your payment day — on time, every time. You can use the card to make purchases, pay bills or get cash at thousands of locations. And most transactions are free.

http://www.ssa.gov/pubs/10073.html

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Not affiliated with the US Social Security Administration