user: where do I begin?[NEWLINE]agent: do you need to change or set up a direct deposit[NEWLINE]user: yes[NEWLINE]agent:  Do you want to set up or change the direct deposit of your benefit payment?[NEWLINE]user: yes[NEWLINE]agent: We are constantly expandingand improving our online services, including the ability to set up or change your direct depositinformation[NEWLINE][BOUNDARY][NEWLINE]user: What is Direct Deposit?[NEWLINE]agent:  Direct deposit is a simple, safe, and secure way to get benefits[NEWLINE]agent: do you need us to send it to a bank or credit union?[NEWLINE]user: no i do not[NEWLINE]user: how long does it take  to set up an account?[NEWLINE]agent:  Creating a free my Social Security account takes less than 10 minutes, lets you set up or change your direct deposit and gives you access to many other online services[NEWLINE][BOUNDARY][NEWLINE]user: what if i did not sign up for e payment?