Federal Payments are Going Digital

Make the Switch: Set Up Direct Deposit for Federal Payments Before Paper Checks Are Phased Out

Big changes are on the horizon for how the federal government delivers payments like Social Security, VA benefits, and tax refunds. A recent executive order outlines plans to phase out paper checks by September 30, 2025, shifting entirely to electronic payments like direct deposit.

If you or someone you know receives federal payments by mail, now is a great time to consider making the switch to direct deposit—and Unison Credit Union is here to help!

 

Why Switch to Direct Deposit?

Direct deposit offers a number of advantages:

• Faster access to your funds—no waiting for the mail
• Safer delivery—your payment goes directly into your account
• Reliable timing—your money arrives on time, even if you’re out of town

How to Enroll in Direct Deposit for Federal Payments

There are several ways to enroll, and Unison can help walk you through each one:

1. Online Enrollment
   Visit the Go Direct^® website to enroll quickly and securely. This site, run by the U.S. Department of the Treasury, provides helpful tools and resources.
   
   
2. By Phone 
   Call the U.S. Treasury Electronic Payment Solution Center at 877.874.6347, Monday through Friday from 8 a.m. to 6 p.m. (Central Time). Tip: Avoid calling during the first week of the month when call volume is high.
   
   To enroll by phone, be sure to have your routing number and account number handy. If a Unison representative is helping you, you’ll need to be present during the call for identity verification.
   
   
3. By Mail
   Download and complete FS Form 1200, then mail it to:
   Go Direct Processing Center
   U.S. Department of the Treasury
   P.O. Box 650527
   Dallas, TX 75265-0527
   

What You'll Need

No matter which method you choose, you’ll need:

• Your Unison Credit Union routing number: 2759-7821-3
• Your account number, which can be found on your checks or inside online banking
  
  

Already Enrolled? Here’s What to Know

Once enrolled, you’ll continue receiving paper checks until your direct deposit kicks in. To ensure a smooth transition:

• Keep your old account open until you see the deposit in your new one
• Notify the federal agency if you change your address, even with direct deposit
• Report any changes like death or legal incapacitation to both Unison and the agency
• Verify your deposit using online or mobile banking
  
  

What If Direct Deposit Doesn’t Start?

If you expected your direct deposit but it hasn’t started:

1. Confirm that your enrollment hasn’t been canceled.
2. Double-check your form or application details.
3. Reach out to the federal agency that issues your payment.
   
   

A Note About IRS Tax Refunds

Unlike federal benefits, IRS tax refunds are not automatically recurring. You’ll need to opt into direct deposit every year when you file your taxes. Be sure to double-check your account info to avoid delays or returned payments.