The IRS will stop issuing paper checks for tax refunds and accepting paper checks for payments starting September 30, 2025. This change is part of Executive Order 14247, Modernizing Payments To and From America’s Bank Account, signed by President Trump on March 25, 2025.

Why the Change?
The move to electronic payments improves speed, reduces fraud and theft, cuts costs, and supports the government’s push to modernize financial systems.

What This Means for Taxpayers
Going forward, tax refunds will be issued through direct deposit, and payments must be made electronically. Common options include:

• IRS Direct Pay – free, pay directly from a bank account

• EFTPS – for scheduled or recurring payments

• Debit/Credit Card or Digital Wallet – via approved IRS processors

• IRS2Go App – pay from your phone

• Electronic Funds Withdrawal – when filing taxes electronically

Exceptions
Paper checks may still be used in limited cases, such as for those without banking access or in emergency situations.

Take Action
To avoid delays, set up your electronic payment or refund method as soon as possible. The IRS is working with financial institutions to help individuals without bank accounts transition to digital payments. Visit IRS.gov for guidance and tools.