Just to make my point, I set up a bank account online with all the security features offered in 1/4 the time or less then it took to get to Soc Sec. When I went to change my direct deposit information I couldn't do it without going through Soc Sec. Now, after a frustrating couple of hours I got it changed. But, private industry checked me out faster and approved my application with less bullshit then Soc Security. Wait until you have to go through it.