How do I set up or change the direct deposit for my Social Security benefits to my California bank account?

You can set up or change your Social Security direct deposit online, by phone, or in person with the Social Security Administration (SSA). The fastest and most secure method is using the SSA's official website. Here is how to update your direct deposit information: Step 1: Gather Your Bank and Personal Information Before you start, collect the necessary details. You will need your Social Security number and your California bank account information, which includes the bank's routing number and your specific account number. You can find these numbers on a personal check or by contacting your bank directly. Step 2: Update Your Information Online The quickest way to make this change is online. Go to the SSA's official website at ssa.gov and log in to your "my Social Security" account. If you do not have an account, you can create one. Once logged in, navigate to the "My Profile" or "Update Contact Information" section to enter your new bank account details. Step 3: Call the Social Security Administration If you prefer not to use the website, you can call the SSA toll-free at 1-800-772-1213. Be prepared for potential wait times. When you speak with a representative, tell them you want to update your direct deposit information and have your Social Security and bank account numbers ready. Step 4: Visit a Social Security Office For in-person assistance, you can visit your local SSA office. Bring your photo ID, Social Security card, and a voided check or bank statement that shows your routing and account numbers. You can find your nearest office using the locator tool on the SSA website. Important details and nuances: Changes to direct deposit typically take one to two payment cycles to process. Do not close your old bank account until you have confirmed that your benefits are being deposited into the new account. These instructions apply to both Social Security retirement and disability (SSDI) benefits. Warnings and limitations: The Social Security Administration will never call you to ask for your bank account number or other personal information. Be wary of scams. If you have a representative payee who manages your benefits, that person must be the one to make the direct deposit change. This is general information and does not constitute legal advice. For complex situations, such as those involving a representative payee or other legal matters, you should consult with a qualified California attorney.