already receive Social Security or SSI benefits and have a bank account?
yes
Are you changing Social Security benefits online from direct deposit only?
yes
And how is it done in the event that someone does not have an account?
You must open an account before you can sign up for Direct Deposit. You should compare prices in your area to find an account that has the features you want at a price you can afford.
What if I still don't receive benefits?
You still don't get Social Security or SSI benefits but are you planning to apply?
no
Do you already have an account?
yes