Paper check fans, take note: the Treasury’s looming deadline means tax refunds, Social Security benefits and other federal payments will soon land in bank accounts, not mailboxes.
The IRS is encouraging every taxpayer to switch to electronic payments before the September 30, 2025 cutoff, citing faster delivery, lower fraud risk and fewer lost checks. Those who keep filing on paper can still do so, but their refund will arrive digitally once the new rule takes effect.
Why the Treasury is phasing out paper checks for federal payments
The change flows from Executive Order 14247, “Modernizing Payments to and From America’s Bank Account.” After years of rising check-related fraud and delivery delays, officials decided electronic deposits are simply safer and cheaper.
Consequently, the government expects to save millions in printing and postage while shielding recipients from stolen mail. Still clutching that checkbook? You might rethink it when you learn direct deposits typically arrive within 21 days of e‑filing—often sooner.
Step by step guide to request your IRS refund through direct deposit
Switching is straightforward. When you file—electronically or on paper—choose the direct deposit option and provide your routing and account numbers. That’s it. Wondering about prepaid debit cards or mobile apps? Most now offer routing details, so they qualify too.
Before you log off, double‑check those digits; an error could send your refund on a detour. If you spot a mistake after filing, call the IRS at 800‑829‑1040 to stop the transfer (provided it hasn’t posted yet). Here you have a quick setup checklist:
- Verify your bank account or prepaid card accepts ACH deposits.
- Locate the nine‑digit routing number and your full account number.
- Select direct deposit when prompted by tax software or on Form 1040.
- Review the numbers twice, then file with confidence.
Common questions taxpayers ask when moving from paper checks to digital payments
What if I still file on paper?You may continue mailing your return, but the refund will be deposited electronically after September 30, 2025.
No separate form is required. Can two refunds go to the same joint account? Yes. Couples often choose one shared account, though you may split a refund across up to three accounts using Form 8888.
Is my information secure? Direct deposit avoids mail theft and employs bank-level encryption; in fact, the Treasury cites it as the safest payment method available today.
Paper checks are on the way out, and the clock is ticking. Filing electronically and opting for direct deposit will keep your money moving quickly—and keep you off the IRS’s paper backlog.
Act now, verify your banking details, and you’ll be set long before the September 2025 deadline.
