How SSDI Deposits Work With Chime
If you receive SSDI through a Chime account, your payment arrives on the same day each month as everyone else on SSDI — but the exact date depends on your birth date, not on Chime itself. The Social Security Administration (SSA) splits beneficiaries into three groups and pays each group on a different Wednesday. Chime processes the deposit the same day SSA sends it, so you see the money in your account on your payment date, not days later.
Chime does not control when you get paid. SSA controls the schedule. Chime's role is to receive the electronic transfer from SSA's bank and make it available to you when ready. This means your Chime payment date is your SSA payment date — there is no delay between the two.
Key Takeaways
- Your SSDI payment date in 2025 is determined by your birth date, and Chime deposits it the same day SSA sends it — usually a Wednesday.
- If you were born on the 1st through the 10th of any month, you are paid on the second Wednesday of each month.
- If you were born on the 11th through the 20th, you are paid on the third Wednesday of each month.
- If you were born on the 21st or later, you are paid on the fourth Wednesday of each month.
- You can confirm your exact payment date by logging into your my Social Security account or calling SSA at 1-800-772-1213.
The Three Payment Groups and 2025 Dates
SSA divides all SSDI beneficiaries into three groups based on birth date. Each group receives payment on a different Wednesday of the month. This system has been in place since 1997 and does not change year to year — your group stays the same.
Group 1 (born the 1st through 10th) receives payment on the second Wednesday. In 2025, these dates are: January 8, February 12, March 12, April 9, May 14, June 11, July 9, August 13, September 10, October 8, November 12, and December 10.
Group 2 (born the 11th through 20th) receives payment on the third Wednesday. In 2025, these dates are: January 15, February 19, March 19, April 16, May 21, June 18, July 16, August 20, September 17, October 15, November 19, and December 17.
Group 3 (born the 21st or later) receives payment on the fourth Wednesday. In 2025, these dates are: January 22, February 26, March 26, April 23, May 28, June 25, July 23, August 27, September 24, October 22, November 26, and December 24.
Confirming Your Payment Date
The easiest way to confirm which group you are in and when you will be paid is to log into your my Social Security account at ssa.gov. Once you sign in, your payment date appears on the dashboard under "Payment Information." You do not need to call or visit an office.
If you do not have a my Social Security account, you can create one at ssa.gov/myaccount. You will need your Social Security number, email address, and a way to verify your identity — usually a phone number or address on file with SSA.
If you prefer to speak with someone, call SSA's main line at 1-800-772-1213. Representatives can tell you your payment date and answer questions about your account. The line is open Monday through Friday, 7 a.m. to 7 p.m. Eastern time.
What Happens if Your Payment Date Falls on a Holiday
If your regular payment date falls on a federal holiday or weekend, SSA pays you on the business day before. For example, if your payment date is Wednesday, December 24, 2025 (which is the day before Christmas), you will receive your payment on Tuesday, December 23 instead.
Chime will deposit the money on whichever day SSA sends it. You do not need to do anything — the adjustment happens automatically. If you are unsure whether your upcoming payment date has shifted due to a holiday, check your my Social Security account or call SSA.
Setting Up Direct Deposit to Chime
If you have not yet set up direct deposit to your Chime account, you can do so through my Social Security. Log in, go to "Payment Information," and select "Change Direct Deposit." You will need your Chime account number and routing number. Chime's routing number is 221180519.
You can also set up or change direct deposit by calling SSA at 1-800-772-1213 or by visiting your local Social Security office. Once you submit the change, it usually takes one to two months to take effect. SSA will send you a notice confirming the new payment method.
Direct deposit is the fastest and safest way to receive SSDI. Payments arrive on your scheduled date with no mail delays, and your money is protected in your account when ready.
Tracking Your Payment in Real Time
Chime's mobile app and website let you see your balance and recent deposits in real time. You can set up notifications so you get an alert the moment your SSDI payment arrives. This is useful if you want to confirm the payment went through on the expected date.
If your payment does not arrive by the end of the business day on your scheduled payment date, contact Chime's customer service first to make sure there is no issue with your account. If Chime confirms the deposit has not arrived, then call SSA at 1-800-772-1213 to report the missing payment. SSA can tell you whether the payment was sent and investigate if it was lost in transit.
Understanding the 2025 COLA and Your Payment Amount
Your SSDI payment amount may have changed in January 2025 due to the annual Cost of Living Adjustment (COLA). The COLA is set by SSA each year based on inflation and is the same percentage increase for all beneficiaries. Your new payment amount appears in your my Social Security account and in the notice SSA mailed to you in December 2024.
The payment amount itself does not affect your payment date — you still receive money on your scheduled Wednesday. Only the dollar amount changes. If you have questions about why your payment increased or decreased, check the notice from SSA or log into my Social Security to see the breakdown.
Frequently Asked Questions
Can I change my payment date if it does not work for my budget?
No. Your payment date is fixed based on your birth date and cannot be changed. However, if you receive multiple benefits (SSDI and SSI, for example), SSA may pay them on different dates. Contact SSA at 1-800-772-1213 to understand your specific situation.
What if I switch banks or close my Chime account?
If you close your Chime account, contact SSA when ready to update your direct deposit information with a new bank account. If you do not update it, your payment may be returned to SSA, and you will have to request a replacement check. The process can take several weeks.
Does Chime charge a fee for receiving SSDI deposits?
No. Chime does not charge a fee for receiving direct deposits of any kind, including SSDI. However, Chime does charge fees for certain services like overdrafts or out-of-network ATM withdrawals. Review Chime's fee schedule on their website to understand what costs may explore to your account.
Will my payment date change in 2026?
No. Your payment date is based on your birth date and remains the same every year. The specific calendar dates will shift (for example, the second Wednesday in January 2026 is different from the second Wednesday in January 2025), but you will always be paid on the same Wednesday of the month.
What if I was born on the 10th — which group am I in?
If you were born on the 10th, you are in Group 1 and receive payment on the second Wednesday of each month. Group 1 includes everyone born on the 1st through the 10th.