I know some (not all) other banks treat ACH's as fufilling the direct deposit requirement.
Would Google for that and if money shuffling would work. Alternatively these offers come up all the time, or maybe do something like ride share for a few weeks would be surprised if that money wasn't electronically deposited from Lyft/ Uber.
Probably a lot of ways to skin this that I'm not even thinking of to be honest.
@DaveInAZ wrote:Yeah, checking Doctor of Credit it does seem US Bank is pretty generous in what the count as a direct deposit.
But for changing your Social Security direct deposit you're talking about changing it online? That does take a long time to take effect, but if you call your local Soc.Sec. office they can change it much more quickly, I've called and got it changed in as little as 2 weeks before the next payment. I'm lucky, my local office is in Douglas, a small city on the border with Mexico, and I usually get a live person within 5 minutes, for Denver prepare for at least a half hour hold or longer. You just need to answer a few security questions - city of birth, mother's maiden name, etc, and the current bank routing & account # and of course the new bank info.
Yeah trying to get ahold of someone from Social Security locally is an exercise in futility... When they sent me my CDR in 2018, I had to sit on hold with my case manager at the county mental health office for an hour waiting for someone to pick up and that was on the number that's only given to case managers!
Good to know it can be done quicker though. I wonder if it's just the online system thinking you got hacked and they'll like send a letter in the mail or something to verify. Thanks for the heads up. I thought about tagging you specifically earlier since I remembered you being on SS and chasing bank bonuses but figured you would see it. 
