What the IRS phaseout of paper checks means for you

Nov. 17, 2025 —

IRS is moving away from sending paper refund checks for most taxpayers. The change will improve security, speed up refunds and lower costs.

Here’s what that means for you:

• File your tax return as usual.

• Expect your refunds by direct deposit or other secure electronic method.

• In some cases, prepaid debit cards and digital wallets may be used.

• Have your bank information or consider opening a free or low-cost account. Visit FDIC: GetBanked and MyCreditUnion.gov for account options.

This change also applies to payments to the IRS. Continue using current options until updated guidance is shared at IRS.gov/modernpayments.