While applying for my Social Security payments I got the message these payments are required to be electronic unless the Department of the Treasury grants an exemption. I was expecting to have paper checks I can convert from FRN to lawful money with by the way I have been endorsing all other checks. Now it is not certain that I will be granted this exemption, and if I do not get it, there will be no paper check to endorse. How can I convert electronically deposited FRN to lawful money?