IRS to Discontinue Paper Check Payments by September 30

What’s Happening?
An executive order (EO 14247), signed by President Trump on March 25, 2025, directs the U.S. Treasury and IRS to halt both issuing and accepting paper checks for most federal transactions. Starting September  30,  2025, check payments—including tax refunds and tax remittances—will no longer be accepted. If you currently rely on paper checks for refunds or payments with the IRS, you will need to switch to electronic option before September 30th deadline.

Why the Change?
The move to electronic payments aims to eliminate inefficiencies for both the IRS and taxpayers related to paper-based payments, increase transaction security and curb fraud. According to the U.S. Department of the Treasury, paper checks are reportedly 16 times more likely to be lost, stolen, or altered than electronic transfers.

What Payments are Affected?

• Tax refunds—paper checks will no longer be issued or mailed to taxpayers.
• Tax payments—you will no longer be able to submit checks for estimated quarterly payments or balances due.
• Other Treasury transactions—including Social Security benefits and vendor/federal payments.

What are Your Payment Options?

• Direct Withdrawal through your tax preparer – setup through your tax advisor for taxes due or estimated payments when filing your return—available to individual and business filers.
• IRS Direct Pay—pay directly from your bank account (no setup required). Use IRS Direct Pay.
• EFTPS (Electronic Federal Tax Payment System)—ideal for scheduled payments, available to individuals and businesses. Create an EFTPS account.
• Debit or credit card—online or over the phone via approved processors (fees may apply).
• Digital wallets and IRS2Go app—mobile-friendly options. View payment options.
• Prepaid cards—like Direct Express®, for individuals without bank accounts.

Are There Exceptions?
Exceptions will be limited to those without banking access, certain emergencies, and national security situations. Americans living overseas may face challenges since IRS refunds generally require a U.S. bank account; details on alternative options are still unclear, so expats should plan ahead.

To avoid delays, you should review your payment options and setup electronic payments now in advance of the September 30 cutoff. Confirm bank details on your returns and enroll in IRS electronic payment platforms. If you lack access or anticipate difficulties in setting electronic payments, please reach out to your Weiss tax professional today.