Supplemental Security Income (SSI) payments are typically distributed through one of the following options: Direct Deposit: Payments are electronically deposited directly into the recipient's bank or credit union account. Direct Express® Debit Card: A prepaid debit card specifically for federal benefit recipients who don't have a bank account. Paper Check: In some cases, a traditional paper check may be mailed, though this option is less common and may be subject to certain restrictions.