Key insights
- Getting paid by the federal government is about to get faster, safer, and more reliable — but only if you're ready.
- Starting September 30, 2025, most federal payments, including IRS tax refunds, will be sent electronically. There are a few exceptions, but most people will need to switch.
Need help staying ahead of digital shifts?
A new executive order is changing how federal payments like tax refunds are delivered: paper checks are being phased out in favor of electronic payments. That means if you still receive IRS paper checks by mail, you’ll need to act soon to avoid delays or disruptions.
This shift isn’t just about modernization — it’s about making sure you get your money quickly and securely.
What’s changing with federal government payments
Starting September 30, 2025:
- The Department of the Treasury will stop issuing most paper checks for federal payments, including tax refunds.
- Payments will be made by electronic funds transfer (EFT), such as direct deposit to your bank account, prepaid debit cards, or other approved digital methods.
- Payments to the federal government (e.g., tax payments) will also shift toward electronic methods.
- There will be limited exceptions for individuals who cannot access banking services or in certain special circumstances.
While there is no formal guidance yet indicating paper tax payments will be halted, electronic payments are strongly encouraged to avoid delays and enable timely processing.
Why eliminating paper checks matters
Moving to electronic payments offers advantages:
- Direct deposits typically arrive weeks sooner than checks in the mail
- Less risk of lost, stolen, or delayed checks
But if you’re not prepared, you could face delays in getting your refund.
September 30, 2025, is the federal government’s target date to stop issuing paper checks.
What you should do to prepare for IRS electronic payments
If you have historically received paper refund checks, include your bank’s routing number and your account number on your next filed federal tax return. For those whose Form 1040 returns are on extension until October 15, 2025, you still have time to update your return if you have not yet filed.
For all other taxpayers other than individuals (for example, trusts, estates, corporations, etc.), be sure to enroll in the Electronic Federal Tax Payment System (EFTPS) to make future tax payments.
To simplify the process, CLA’s tax payments sites webpage offers a centralized resource with direct links to federal and state tax payment portals.
How CLA can help with electronic tax payments
September 30, 2025, is the federal government’s target date to stop issuing paper checks.
Acting now will help you receive your refunds timely. CLA can help you navigate this transition as smoothly as possible. Treasury may issue subsequent guidance, and we will update this article once we have additional information.
Contact us
Need help staying ahead of digital shifts? Complete the form below to connect with CLA.