Go to a bank of your preference and inform an account services representative that you want to open a checking account as a representative payee.
Provide a letter of authorization from the Social Security Administration along with additional identification -- a driver's license, passport, military ID or a state-issued ID. Provide also the name, Social Security number and date of birth of the beneficiary.
Endorse the check issued by Social Security and give it to the bank representative as the opening deposit.
Call the Social Security office from the bank and provide the routing number for the bank and the number of the checking account if you want monthly checks deposited directly into the checking account. Otherwise, the Social Security Administration will mail the check to your address every month.