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if you receive Social Security or other federal benefit payments by paper check you are required to switch to direct deposit or the direct express debit master card by March 1st 2013 if you have a bank or credit union account the US Department of the Treasury recommends that you switch to direct deposit direct deposit is simply safer easier and more reliable than paper checks theres no risk of lost Orsola checks and your money will be in your account and accessible from virtually anywhere with direct deposit the federal benefit agency that issues your benefit tells the Treasury Department the amount that should be paid the Treasury Department then notifies your bank or credit union to automatically deposit that amount into your account your money is in your account on payment date each month this process happens over a private and secure financial network your personal information is not transferred over the internet you are required to switch to electronic payments by March 1st 2013