Setting up direct deposit for your Social Security benefits in Springfield MA is free, secure, and ensures your payments arrive on time every month. You can configure or change your bank information through three convenient methods: online through your my Social Security account, by phone, or by visiting the local office at 70 Bond Street.

Quick Setup: The fastest method is online through ssa.gov/myaccount - available 24/7 and updates take effect immediately.

Set Up Direct Deposit Online

The online method is the most convenient way to set up your direct deposit. You'll need a my Social Security account and your bank information.

Steps to Set Up Online:

  • Go to ssa.gov/myaccount and sign in to your account
  • Select "Profile" from the main menu
  • Click on "Direct Deposit" under payment information
  • Choose "Add" or "Change" bank account information
  • Enter your bank routing number and account number
  • Select account type (checking or savings)
  • Review and confirm your information
  • Save changes - updates are effective immediately

Official Portal

Access the official Social Security online services:

Go to My Social Security

Official and secure government website

Set Up by Phone

You can also call Social Security to set up direct deposit. This method requires speaking with a representative and may involve longer wait times.

Phone Setup Details:

  • Phone Number: (866) 964-5061 (toll-free)
  • Hours: Monday-Friday, 8:00 AM - 7:00 PM
  • Best Times: Tuesday-Thursday, mid-morning
  • Information Needed: SSN, bank routing and account numbers
  • Processing Time: 1-2 business days

Need help with the phone process?

Get Complete Phone Info

Visit Springfield SSA Office

For in-person assistance, you can visit the Social Security Administration office in Springfield. This is helpful if you need additional support or have complex banking situations.

Office Information:

  • Address: 70 Bond Street, Springfield, MA 01103
  • Hours: Mon-Tue, Thu-Fri: 9:00 AM - 4:00 PM
  • Wednesday: 9:00 AM - 12:00 PM
  • Appointment: Recommended but not required
  • Best Times: Tuesday-Thursday mornings

Avoid Wait Times: Schedule an appointment online to reduce your waiting time and ensure personalized assistance.

Required Bank Information

Regardless of which method you choose, you'll need specific bank information to set up direct deposit successfully.

Information You Must Provide:

  • Bank routing number (9-digit number)
  • Your account number
  • Account type (checking or savings)
  • Bank name and address
  • Your Social Security number
  • Account holder name (must match SSA records)

Important: Double-check your routing and account numbers. Incorrect information can delay or misdirect your benefits.

Change Existing Bank Account

If you already have direct deposit set up and need to change your bank account, the process is similar but with a few additional considerations.

Steps to Change Bank Information:

  • Access your my Social Security account online
  • Navigate to Profile > Direct Deposit
  • Select "Change" next to your current bank information
  • Enter new bank routing and account numbers
  • Verify all information is correct
  • Submit changes and save confirmation
  • Keep old account open for one additional payment cycle

Timing Note: Changes made after the 3rd of the month may not take effect until the following month's payment.

Ready to set up your direct deposit?

Start Online Setup

Frequently Asked Questions

How long does direct deposit take to set up?

Online changes are immediate, phone changes take 1-2 business days. See processing times.

Can I use a savings account for direct deposit?

Yes, you can choose either checking or savings accounts. Some banks have monthly limits on savings withdrawals. Learn about account options.

What if I make a mistake with my bank information?

Contact SSA immediately at (866) 964-5061. Incorrect information can be corrected, but may delay your benefits. Get complete contact info.

Is direct deposit required for Social Security benefits?

Direct deposit is strongly encouraged but not always required. Paper checks are being phased out for most beneficiaries. Check your benefit status.