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An official website of the United States Government.

Frequently Asked Questions Retirement

What are electronic payments? What is direct deposit?

Electronic payments, which allow for the exchange of funds through paperless methods, are safer, easier and more reliable than paper checks. Direct deposit is the electronic transfer of a payment from a company or organization into an individual's checking or savings account. When a recipient gets their federal benefit payment electronically, the U.S. Department of the Treasury sends an electronic message to their bank or credit union account or to their Direct Express® card account crediting their account with the exact amount of their benefit. The difference is, a check isn’t printed or mailed.

The government and businesses use direct deposit to transfer millions of dollars every day.

 

(Visit www.GoDirect.org for more information about fees and the surcharge-free network.)

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