Paper Checks Are Ending September 30, 2025—What You Need to Do Now

Beginning September 30, 2025, the federal government will stop issuing paper checks for most payments—including tax refunds, Social Security, veterans’ benefits, and vendor payments—except for limited hardship and national-security exceptions. The shift is part of a broader push to modernize payments and reduce fraud, delays, and lost checks.

Who’s affected

• Individuals expecting tax refunds on returns filed after Sept. 30.
• Benefit recipients (e.g., Social Security) who still receive paper checks. Social Security
• Vendors/contractors who receive federal disbursements by check. The White House

Your 10-minute transition checklist

1. Set up direct deposit for IRS refunds in your online IRS account or on your next return. (Returns filed after Sept. 30 without banking info can face delays.)
2. Switch benefits to electronic: enroll in direct deposit or Direct Express® (a Treasury-backed prepaid debit card designed for federal benefits).
3. Verify routing and account numbers in IRS/SSA profiles for every family member who receives benefits or a refund.
4. Help unbanked relatives: consider setting up Direct Express® or opening a basic checking account well before the deadline.

What won’t change

• Electronic payments do not alter the timing or amount of your benefit/refund; they simply arrive faster and more securely.
• Paper checks may still be used only in limited exception cases.

Heritage perspective

This is a straightforward win for security and speed—but it could be bumpy for seniors and the unbanked. If you (or a parent) still receive paper checks, make the switch now to avoid October surprises.