The IRS Is Going Electronic: What It Means for Your Refund

Since September 30, 2025, the IRS has been phasing out paper tax refund checks. The change is the first step in a broader move toward electronic payments. The goal is faster refunds, better security, and lower costs.

Why the change?

The IRS says paper checks are more than 16 times more likely to be lost, stolen, altered, or delayed than electronic payments. Electronic refunds are also faster. The IRS says e-filed returns with direct deposit and no issues can be paid in under 21 days, while refunds sent by mail can take six weeks or longer.

What this means for you

Direct deposit is the fastest way to get your refund. If you've received paper checks in the past, now is a good time to switch. We can help you set up direct deposit when we prepare your return.

Most refunds will be delivered electronically. Direct deposit is the main method, though the IRS has said other secure options, such as prepaid debit cards or digital wallets, may be available.

Limited exceptions exist. People without access to a bank account or electronic payment systems may still qualify for an exception. The IRS has said it will continue to issue a limited number of paper checks where there is no alternative.

Paper checks are still accepted for payments to the IRS, for now. The executive order also applies to payments made to the IRS, but the IRS has said taxpayers may continue using existing payment options until further notice.

What to expect next

This is part of a larger transition, and the IRS may release additional guidance and requirements. The IRS publishes current payment information at IRS.gov/modernpayments. We'll keep you informed and let you know if there are steps you need to take.

This post is for general information and is not tax advice.