IRS ending paper checks for tax refunds and payments

As of September 30, 2025, the IRS will stop using paper checks for most tax refunds and payments. This change stems from Executive Order 14247, which mandates that the federal government handle money electronically whenever possible.

How does this impact extended 2024 returns?

Expecting a refund for an extended 2024 return? Include your bank account details, or your refund will be delayed.

What does this mean for trusts and estates?

Trusts and estates filing Form 1041 cannot use direct deposit now. The Treasury Department will provide updates soon.

Can I still send a check to pay my taxes?

For now, you can still send paper checks to pay taxes, but that will change. The IRS has said electronic payments are the future, and they encourage switching now to avoid mail delays and processing errors.

How can I pay my taxes electronically?

• IRS Direct Pay (bank transfer)
• Electronic funds withdrawal when filing electronically
• Debit or credit cards (fees apply)
• Electronic Federal Tax Payment System (EFTPS)
• Wire transfers

Bottom line

Paper checks are being phased out. To avoid headaches, make sure your banking details are on file for refunds and consider moving to electronic payment methods now. While exceptions may exist, most taxpayers will need to switch by fall 2025.

The Boyer & Ritter team will keep you informed as the IRS and Treasury Department issues further guidance.