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To start or change your direct deposit for Social Security benefits, log in to your My Social Security account. Click the "Benefits and Payment Details" link on the right side, scroll down, and select "Update Direct Deposit." Indicate if you are the account owner or co-owner, then enter your bank account details. Choose when you want the changes to take effect and proceed to the next step. Review your banking information and select "Submit." Your request will be completed, and your information will be updated securely. For additional help, contact the hotline at 1-800-772-1213. More online services are available at socialsecurity.gov.