IRS to End Paper Checks: Deadlines, Details, and Next Steps
Effective September 30, 2025, the Internal Revenue Service (IRS) will no longer accept or issue paper checks. This change is part of the IRS’s broader initiative to reduce mail theft, check fraud, and processing delays by moving entirely to secure electronic payment and refund methods.
What does this mean for you, the taxpayer?
Taxpayers will no longer receive paper refund checks in the mail. Instead, the IRS will issue refunds through direct deposit to a bank account, prepaid debit cards, or other approved electronic payment options. If you currently receive your refund as a paper check, you will need to provide your bank routing and account numbers, or arrange for another electronic method, to ensure timely payment.
Additionally, taxpayers will no longer be able to send paper checks for estimated tax payments or balances due. If you currently mail in checks for quarterly estimates or year-end tax liabilities, you will need to transition to one of the IRS’s approved electronic payment methods.
Considerations Before September 30, 2025
If you currently rely on paper checks when engaging with the IRS, you’ll need to transition to an electronic option before the September 30, 2025 deadline.
Here are some key considerations and steps you can take to prepare:
Direct Withdrawal Through Your Tax Preparer
Inquire if your tax advisor can set up a direct withdrawal from your bank account for any tax due or estimated payments at the time your return is filed. This method is available for both individual and business taxpayers.
Electronic Federal Tax Payment System (EFTPS)
Create an account with the Electronic Federal Tax Payment System, which allows you to schedule and make payments directly to the IRS online or by phone. Enrollment typically takes 2–3 weeks, so plan ahead to avoid late payments. Create an EFTPS account here.
IRS Direct Pay
Pay directly from your checking or savings account without creating an EFTPS account. This service is free, but payments must be scheduled for each transaction. Access Direct Pay here.
Debit or Credit Card Payments
Make a payment online or over the phone using a debit or credit card through IRS-approved third-party processors. These providers charge a convenience fee, and processing times may vary. View payment options here.
The Bottom Line: Act Now to Avoid Last-Minute Scrambling
The end of paper checks is a significant shift in how taxpayers interact with the IRS, requiring adjustments for many individuals and businesses. Review your current payment and refund methods now, and set up an electronic option well before the September 30, 2025 deadline. Taking these steps early will help ensure a smooth transition and prevent delays or missed payments.
Questions? Contact Leone, McDonnell & Roberts to connect with a trusted advisor.
