Social Security Implements Stricter Identity Verification and Expedites Direct Deposit Changes

The Social Security Administration (SSA) is enhancing security measures by implementing stricter identity proofing requirements and accelerating direct deposit change processing. Over the next two weeks, SSA will transition to these new procedures, requiring individuals who cannot verify their identity online through a “my Social Security” account to do so in person at a local office. Additionally, direct deposit changes will now be processed within one business day instead of the previous 30-day waiting period for online requests.

As part of the transition, SSA is training its employees and closely monitoring compliance with the new policies. Beginning March 31, 2025, identity proofing will be mandatory either online or in person. Individuals unable to access online services may initiate a benefits claim by phone, but completion will require an in-person identity verification. SSA advises scheduling an in-person appointment to streamline the process. Similarly, those unable to update direct deposit information online can visit a local office or call SSA’s customer service line to arrange an appointment.

To support these enhanced security measures, SSA has required nearly all agency employees to work on-site five days a week, ensuring sufficient staffing for in-person identity verification. The agency also plans to implement the Department of Treasury’s Bureau of Fiscal Service’s Account Verification Service (AVS), which will provide instant bank verification to prevent fraudulent direct deposit changes. SSA will continue monitoring the effectiveness of these new policies and make adjustments as needed to protect Social Security benefits.

Article by multiple RFHC contributors, based upon information from the Social Security Administration.

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