Quote:
Originally Posted by Flutterball
Today I called ssid and talked to two competent agents who were respectful and very helpful. It appears that my direct deposit actually did start and a paper check was never issued as I was told yesterday. I have a prepaid Greendot account as my direct deposit, and Greendot doesn't do a good job of letting you know limits on direct deposits when you set it up with them. Seems like their is a federal law of a $10,000 deposit limit on prepaid cards I set this up the very day that I got the awards letter thinking that a paper check was already in route via usps. But it wasn't as they tried two times to direct deposit and it was rejected. I never meant for the backpay to be a direct deposit! They couldn't send me a paper check without me first cancelling my direct deposit, but Denise sent a note to the treasury dept to make that happen without cancelling my direct deposit. What I learned is if the person you talk to at ssdi seems confused or lost hang up and call again as you will talk to someone else who may be very astute and ahead of the curve. My check should be here next week. Cheers!
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Yikes to the underlined quote above!
Utilizing the national 800# for anything of importance is generally not reliable. Someone sounding competent over the phone doesn't always translate into them following through. Walking this info in to your local office is always advised!!! If you are able to update it online and can print a record of it, that should be reliable as well.
BUT, it's best to provide account information for direct deposit at the time of your application! This is the fastest, most secure, least complicated way.
Anyone providing direct deposit account info should know that it is for monthly checks and backpay. And using a regular savings or checking account is a better option as a consumer IMHO. If you have an issue comingling funds, you can often open a new account with very little money at a credit union or small, local bank. (I have an extra account that I opened to have a backup savings account that only required $25 to sign up.)
Opening a new savings account without a debit card is usually the easiest route for people who have previously had an account closed by a bank.