The Ultimate Guide to Changing Your Last Name

Changing your name after getting married can feel exciting but also overwhelming. There are legal steps, paperwork, and updates you’ll need to complete with a variety of institutions. This guide breaks down the process into clear steps to make it as simple as possible!

Step 1: Obtain Your Marriage Certificate

Before you can change your name anywhere, you need your official marriage certificate. Here’s what to do:

• Request several certified copies from the county clerk’s office where you were married.

• Keep at least two copies in a safe place for legal and financial changes.

• Some offices allow online or mail requests. Check your county’s process.

Certified copies are what you will need to present to government agencies and financial institutions.

Step 2: Update Your Social Security Card

Your Social Security card must be updated first, because it is required for your driver’s license, passport, and many other institutions.

Steps:

1. Complete the Form SS-5 (Application for a Social Security Card). You can find it on the Social Security Administration website.

2. Submit the form along with your certified marriage certificate and proof of identity (driver’s license, passport, or state ID).

3. Submit in person at your local SSA office or by mail.

4. Your new Social Security card will be mailed to you, usually within 2–4 weeks.

Important: Your Social Security number will not change—only the name associated with it.

Step 3: Update Your Driver’s License or State ID

After your Social Security card is updated, go to your local Department of Motor Vehicles (DMV) to update your driver’s license or state ID.

What to Bring:

• Certified marriage certificate

• Updated Social Security card or receipt of your application

• Current driver’s license or state ID

• Any required forms or fees (varies by state)

Tips:

• Some states require an in-person visit.

• Ask if your DMV can issue a temporary license while processing.

• Update your vehicle registration and title if your license is updated.

Step 4: Update Your Passport

If you travel internationally, your passport should reflect your new name. The process depends on how long you’ve had your passport:

• Less than 1 year old: Use Form DS-5504 (no fee)

• More than 1 year old: Use Form DS-82 (fee applies)

• First-time passport: Use Form DS-11 (fee applies)

Requirements:

• Certified marriage certificate

• Current passport

• Passport photo (check size and requirements)

Processing can take 8–12 weeks for standard service, or 5–7 weeks for expedited service.

Step 5: Update Financial Accounts

Once your government IDs are updated, start updating your financial accounts:

1. Banks and Credit Cards:

   • Bring your updated ID and marriage certificate.

   • Update checking, savings, credit cards, and debit cards.

2. Loans and Mortgages:

   • Contact your lender to update the account and title.

3. Investments and Retirement Accounts:

   • Update brokerage accounts, 401(k), and IRA accounts.

4. Insurance Policies:

   • Update health, life, auto, and home insurance policies.

Tip: Make a spreadsheet to track all accounts and institutions.

Step 6: Update Bills, Utilities, and Services

Next, update your everyday accounts to avoid confusion:

• Utilities (electric, water, gas, internet, phone)

• Mobile phone carrier

• Cable or streaming accounts

• Subscriptions and memberships

Bring a copy of your new ID if needed and check if a certified marriage certificate is required.

Step 7: Update Employment and Tax Records

Employer:

• Update payroll and HR records to reflect your new name.

• Provide updated Social Security information to avoid tax discrepancies.

Taxes:

• Update your name with the IRS to match your Social Security card.

• Make sure your W-2 reflects your new name to prevent issues with tax filing.

Step 8: Update Healthcare Providers

Notify your doctors, dentist, optometrist, and other providers:

• Bring updated ID

• Update insurance information if needed

This ensures coverage and medical records match your new legal name.

Step 9: Update Miscellaneous Accounts

Other places to consider:

• Voter registration

• Professional licenses or certifications

• Library card

• Vehicle registration and title

• Pet microchip registration

• Email accounts and social media

• Frequent flyer programs and loyalty accounts

Tips for a Smooth Name Change

• Order multiple certified marriage certificates to avoid repeated trips or delays.

• Start with Social Security and DMV updates first, as other accounts often require these IDs.

• Track your progress with a checklist or spreadsheet.

• Notify employers, financial institutions, and service providers in writing to create a record of the change.

• Be patient, some changes may take weeks to process.

Optional: Keep Your Old Name

Some people choose to keep their maiden name for professional reasons or as a middle name. Decide early what name will be used for professional documents, email addresses, or social media to avoid confusion.

Changing your name after marriage is a multi-step process, but with a clear plan and organization, it can be handled efficiently. Following this guide ensures that your legal documents, financial accounts, and personal records are all updated and consistent, making your first months of marriage smooth and stress-free. Download a google docs checklist below to keep track!

DOWNLOAD A CHECKLIST