Say Goodbye to Paper Checks

Say Goodbye to Paper Checks: IRS Moves to All-Electronic Tax Refunds in 2025

 

Starting September 30, 2025, the IRS began phasing out paper tax refund checks for individual taxpayers. This means that, to the extent allowed by law, most people will no longer receive their tax refunds by mail as a paper check. Instead, the IRS will send refunds electronically, such as by direct deposit to your bank account or through other secure digital methods.

Why is the IRS making this change? There are several reasons:

• Security: Paper checks are much more likely to be lost, stolen, or delayed than electronic payments.
• Speed: Electronic refunds are much faster. If you file your return electronically and choose direct deposit, you can usually get your refund in less than 21 days. Paper checks can take six weeks or more.
• Cost: Electronic payments are cheaper and more efficient for the government.

If you don’t have a bank account, don’t worry. The IRS will offer options like prepaid debit cards, digital wallets, or limited exceptions for those who can’t use electronic payments.

What should you do? Make sure you know your bank account information or consider opening a free or low-cost account.

Most people already get their refunds by direct deposit, but if you’re one of the few who still gets a paper check, now is the time to prepare for this change. The IRS will provide more details before the 2026 tax season begins.