That is exactly what I said before. You need the SSA account. I started this thread with that..........Not true. You can change your direct deposit bank and/or your address on your ssa.gov account. You don't have to go to an office. The problem is that for persons who are not computer literate or do not have computer access, that they can now not make these changes by phone. They have to go to an office and, in some cases, offices are closed. You're right about the last point.