"The federal government is going to save a lot of money. They estimating over a billion dollars over the next ten years," said Todd Draak, Vice President/District Officer for Citizens Bank.

"In 2011, there was over four-thousand lost checks. So, it's going to save a lot time for the federal government as well," he added.

Those who haven't yet signed up for direct deposit will get their money through pre-loaded debit cards. Aging and Disability Resource Center staff says even those who like having paper checks have come around to the security of direct deposit.

"The different scams that have been ran on the elderly population, it seems like it could be a pretty good sell when you're talking safety of , sometimes, the only source of income," said Tina Brunner, Benefits Specialist for the ADRC.

Some recipients like direct deposit's convenience and fringe benefits at banks.

"There's an advantage there when you're a preferred customer. They just treat you a little bit different," said Ray Birdsall of Green Bay.

"If I can't get to the bank right away, and I'm a little short of money, I automatically know it's there," said Ruth Urban of Green Bay.

Bankers say for those on fixed incomes, direct deposit offers some cash savings even when compared with the government issued debit cards.

"So they really need to do some educating on what fees are going to be involved for the number of withdrawals they make."