What steps should I take if my monthly Social Security payment is not deposited into my California bank account on the expected date?

If your Social Security payment is not deposited on time, you should first wait a few days for processing delays and then contact the Social Security Administration (SSA) and your bank to trace the funds. Here are the steps to resolve a missing Social Security payment: Step 1: Wait Three Business Days The SSA recommends waiting three business days after your scheduled payment date before taking action. Banking delays or holidays can sometimes slow down a deposit. During this time, check your bank account statement online or call your bank's automated service to confirm the payment has not arrived. Step 2: Contact the Social Security Administration If the payment is more than three days late, call the SSA's national toll-free number at 1-800-772-1213. Be prepared to provide your Social Security number and your bank account information. Ask the representative to confirm the payment was sent and to trace it if necessary. Step 3: Contact Your California Bank Call or visit your local bank branch to confirm they have the correct account and routing numbers for your direct deposit. Ask if there are any freezes, holds, or levies on your account that would prevent a deposit from posting. Step 4: Investigate a Potential Bank Levy If your bank confirms your account was levied by a creditor, your funds may have been seized. Under California Code of Civil Procedure Section 704.080, a portion of directly deposited Social Security funds is automatically protected. To protect the remaining funds, you must file a "Claim of Exemption" (Form EJ-160) as instructed by California Code of Civil Procedure Section 703.520. You typically have only 10 days from when the levy notice was mailed to you to file this form with the levying officer (usually the county sheriff). Important considerations: Federal debts, such as back taxes owed to the IRS or federal student loans, can be garnished from your benefits before they are sent to your bank. The protections mentioned above apply to funds already in your account that a private creditor is trying to seize. If your account was closed, the funds may have been sent to the California State Controller's Office under the Unclaimed Property Law (CCP § 1520). Note: Act quickly if you suspect a bank levy, as the deadlines to claim your exemption are very strict. Never provide personal information in response to an unsolicited email or text message claiming to be from the SSA. This is general information and does not constitute legal advice. For complex situations, especially those involving a bank levy or garnishment, consult with a qualified California attorney.