IRS Moves Toward All-Electronic Refunds: What You Need to Know

Your tax refund will no longer arrive by paper check. The IRS recently announced that it will stop issuing paper checks, with limited exceptions, and will require taxpayers to receive refunds electronically.

Why the change?

Paper checks cost more, create security risks, and take much longer to process. In addition, the Trump administration directed all federal agencies to eliminate paper check payments.

What stays the same?

The IRS has not changed the process for filing your tax return. You will continue to file exactly as you do now.

How to receive your refund:

The fastest and most reliable way to receive your refund is through direct deposit. Ninety-three percent of taxpayers already use direct deposit, and this change will not affect them. If you’ve previously received your refund via a paper check, switch to direct deposit when you file your 2025 return. 

If you prefer not to use direct deposit, you can choose certain mobile apps or prepaid debit cards that provide a routing and account number.

The IRS will still issue a paper check if you request a waiver because you lack access to banking services or electronic payment systems. Keep in mind that paper checks take at least six weeks to process, while electronic refunds typically take about 21 days.

Paying your tax debt:

For now, the IRS will still accept tax payments by check. However, electronic payments remain the faster and more reliable option. To review all electronic payment methods, visit the IRS Make a payment web page.