IRS Payment Modernization
Federal Government to stop issuing paper checks
September 2025
As part of Executive Order 14247, titled “Modernizing Payments to and from America’s Bank Account,” the federal government will stop issuing paper checks—including IRS refund checks—effective September 30, 2025, with limited exceptions.
What Payment Modernization Means for You
Refunds: If you are expecting a refund from an extended 2024 tax return filed after September 30, we recommend you include banking information to avoid potential delays. Refunds for returns already in processing may also be impacted, potentially requiring additional steps to set up electronic payment.
Payments to the IRS: While no firm cutoff date has been announced, the order mandates that payments to the federal government be made electronically “as soon as practicable.” We recommend making all IRS payments electronically to avoid penalties or delays going forward.
Security Concerns: We understand some taxpayers are hesitant to share banking details. However, the same information is already printed on paper checks, and electronic payments reduce risks like mail theft or misapplication.
Exceptions: The executive order does allow exceptions for individuals without access to banking or electronic payment systems.
Consider Creating an Online IRS Account
An online IRS account can be created using an ID.me log-in. This is a next-generation digital identity verification that allows access to a number of federal and state government agencies. If you’re currently receiving social security benefits, the ID.me is one of the preferred methods for online access already. With an online IRS account, you can access tax records and make or view payments online. More information is available at www.irs.gov/payments/online-account-for-individuals.
Next Steps
Contact your accountant to discuss your options for making electronic payments and receiving refunds if not already doing so. They can confirm your bank account information securely and provide steps to make any remaining payments for previously filed returns and remaining estimate payments due.
Consider transitioning to electronic payments for all federal and state tax obligations to ensure compliance and avoid delays.
We will continue to monitor guidance from the Treasury Department and keep you informed of any updates. If you have any questions or concerns, please don’t hesitate to reach out.