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Important Update: IRS Phasing Out Paper Checks by September 30, 2025

Important Update: IRS Phasing Out Paper Checks by September 30, 2025

What This Means for Taxpayers

As a result of a recent executive order (EO 14247), starting September 30, 2025, the IRS will no longer issue or accept paper checks for most transactions, including tax refunds and tax payments. Anyone who currently pays taxes or receives refunds by check will need to transition to an electronic method before this deadline.

Why the IRS is Making the Switch

This change is designed to streamline the payment process and reduce the risks associated with paper transactions. The Treasury Department has noted that checks are far more likely to be lost, stolen, or altered compared to secure electronic transfers. Moving entirely to electronic payments helps protect both taxpayers and the government.

Types of Transactions Impacted

  • Tax refunds traditionally sent by check will instead be deposited electronically.
  • Paper check payments for balances due or quarterly estimates will not be accepted.
  • Additional Treasury-related payments, such as Social Security and vendor transactions, will also move away from checks.

Available Alternatives for Payments and Refunds

Taxpayers have multiple electronic options to stay compliant:

  • Bank account withdrawal – Arrange payment directly when filing a return.
  • IRS Direct Pay – Make one-time payments from your bank account.
  • EFTPS (Electronic Federal Tax Payment System) – Set up scheduled payments in advance.
  • Credit or debit cards – Pay online or by phone through IRS-approved providers (processing fees apply).
  • Digital tools – Use the IRS2Go mobile app or digital wallets.
  • Prepaid cards – Such as Direct Express® for those without traditional bank accounts.

Exceptions to Be Aware Of

Limited exceptions will be available for individuals without banking access, certain emergencies, and specific national security situations. U.S. taxpayers living abroad may face additional hurdles since most refunds require a U.S.-based bank account.

What You Should Do Now

To avoid payment delays, take time to set up your electronic payment method well before the September 30 deadline. Verify your banking details, enroll in IRS electronic systems if necessary, and explore the option that works best for your situation. Please contact us with any questions.

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