Not affiliated with the government
I'm not sure what the question is here. I suspect it's more about your representative payee (mother) than direct deposit.
Here's info on direct deposit :
I assume you're under age 18. A beneficiary under age 18 is generally considered incapable of managing his or her own funds, and a representative payee is needed.
However, in some cases direct payment be made to beneficiaries under age 18.
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