When will I receive my first Social Security check?

This is a common question we get when we do a full Social Security Benefit session. “When will I receive my first check”. It’s important to understand that As of March 1, 2013, the Social Security Administration stopped mailing paper checks. There are two ways you can receive your benefits:

1. Direct deposit of your Social Security checks. This option puts them right into your bank account on the day they are paid.

You don’t have to worry about your check being lost or worry that funds will not get to the bank in time if you are out of town. Sign up or learn more at Frequently Asked Questions About Social Security Direct Deposit.

2. Direct Express® Debit Card – If you do not sign up for direct deposit, your benefits will be paid to you via Direct Express® debit card option. This card will work anywhere that takes Debit Mastercard®. You can also use your Direct Express® debit card to get cash back at the grocery store or to purchase money orders at the post office.

Social Security checks are deposited on the second, third, or fourth Wednesday of each month, depending on your day of birth. The Social Security check schedule works as follows:

If you were born on the:

1st–10th of the month: Expect your Social Security check to be deposited on the 2nd Wednesday of each month.

11th–20th of the month: Expect your Social Security check to be deposited on the 3rd Wednesday of each month.

21st–31st of the month: Expect your Social Security check to be deposited on the 4th Wednesday of each month.

Exceptions to When Social Security Checks Arrive

For every rule, there are always exceptions. If you fall into one of the categories below, your check may arrive on an alternate schedule.

You started receiving benefits before 1997: Your Social Security check is paid on the third day of the month. You can request to change this according to the day of birth schedule above.

You are receiving both Social Security benefits and SSI payments: Expect your Social Security check to be deposited on the third day of the month.

Holiday exceptions: If the day your Social Security check is supposed to be deposited is a holiday, your check will be deposited the previous day.

If you have questions on how to Maximize your Social Security Benefits, contact us today. This is what we do! Helping thousands of people that look for ways to maximize their retirement and live a better life.

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