Twenty-five percent of individuals of the Baby Boom generation say they receive their wages, salary, or other regular payments by paper checks, compared with just 13 percent of respondents age 61 or older, according to a survey by the Department of the Treasury and Federal Reserve Banks.

The survey found that older boomers are less likely to enroll in direct deposit within the next year, compared to boomers overall (18 percent to 30 percent).

Forty percent of baby boomers who are unlikely to start using direct deposit in the next year say they don't trust or like direct deposit for a variety of reasons.

The Department of the Treasury and Federal Reserve Banks are urging baby boomers who are gearing up for retirement to use direct deposit. The U.S. Treasury's Go Direct campaign has launched a pledge drive to encourage boomers sign up for direct deposit.

One year from now, the oldest of America 's 77 million baby boomers--born between 1946 and 1964--will turn 62, becoming eligible for Social Security retirement benefits.

"Direct deposit is a long-standing priority for Treasury, because it's safer and easier for consumers than paper checks," says Donald Hammond, Treasury Fiscal Assistant Secretary. "With the anticipated surge in baby boomer retirements in the coming years, we must encourage Social Security recipients to sign up for direct deposit. There are significant benefits, in terms of safety and security, for the recipients and considerable cost savings for American taxpayers."