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.

22 comments on “When will I receive my first Social Security check?

    • fsykes on

      Rose Mary, it depends on when you apply and your birthday. If your birthday is the 1st-10th then it will be deposited on the 2nd wed of the month. 11th-20th 3rd wed and 21st-31st 4th wed of the month.

      Reply
    • fsykes on

      Janis, it depends on when you apply and when your birthday falls. If your birthday is the 1st-10th then it will be deposited on the 2nd wed of the month. 11th-20th 3rd wed and 21st-31st 4th wed of the month.

      Reply
  1. Clarence Brunson on

    If I sign up for my so retirement benefits three mounts prier to my retirement date will I receive my deposit on the third Wednesday of Jan 2019 ?

    Reply
    • fsykes on

      It depends on what day your birthday falls on. If your birthday is the 1st-10th then it will be deposited on the 2nd wed of the month. 11th-20th 3rd wed and 21st-31st 4th wed of the month.

      Reply
  2. Frances Brady on

    I turn 66 on October 16, I applied for SS in September. I told the administration that I wanted to receive my first payment in November, so I can get the full benefits. I just saw a deposit for $267.90 from Federal Benefit Credit 10/09, I don’t understand why.

    Reply
    • fsykes on

      Joe,

      You can request up to a six month look back. But you may not want to, each month you delay your Social Security benefit will go up slightly. Happy retirement!

      Reply
    • fsykes on

      Darlene,

      Your retirement date and Social Security date do not have to be the same. Depending on your health and other assets delaying your SS until age 70 can reap huge benefits.

      If you want to make an informed decision I would recommend that you have us put a plan together for you.

      Best,

      Faye

      Reply
    • fsykes on

      Darlene

      It would shift depending on your birthdate. 1st – 10th is the 2nd wed, 11th – 20th 3rd Wed and 21-31st is 4th Wed of the month. If you have not received yet I would recommend calling Social Security Directly 800-772-1213

      Thank you,

      Faye

      Reply
    • fsykes on

      William,

      Since your birthday is on the 9th it should deposit on the 2nd Wed of each month. It should arrive 11/14. If not call Social Security directly 800-772-1213

      Thanks, Faye

      Reply
  3. William R Bowlin on

    I have reached full retirement age….my two young children qualify for dependent benefits since I will begin to receive my social security retirement benefits. Question: ….Will their benefits come at the same as mine?

    Reply
    • fsykes on

      William,

      If you applied for both at the same time there is a good chance that they may come at the same time. But if you applied for yours first then theirs after there could be a delay. If there is a delay you can request up to six months back pay.

      Let us know if we can help further,

      Faye

      Reply
  4. Scott Farris on

    I am retiring on December 1st 2018, so my first check will come in January. I was born on the 21st of May so that will be January 23rd. Will my first check be for 1 months benefits or one month and 3 weeks benefits.

    Reply
    • fsykes on

      Scott,

      Due to your birthday being on the 21st it should be deposited on the 4th Wed of each month. Unless you ask for up to a six month look back, typically it would be for 1 month of benefit.

      If we can help further please let us know. Faye

      Reply

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