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This two-photo combination image shows, at top, a photo of trays of printed social security checks waiting to be mailed from the U.S. Treasury's Financial Management services facility in Philadelphia, and an undated photo provided by the Treasury Department of a Direct Express Card. Starting in 2013, the check no longer was put in the mail to millions of Americans who receive Social Security and other government benefits. The federal government, which issues 73 million payments a month, is phasing out paper checks for all benefit programs, requiring people to get payments electronically, either through direct deposit, or a debit card for those who don't have bank accounts. (AP Photo/Department of Treasury)