No More IRS Paper Refund Checks Starting October 2025

What Every Taxpayer Needs to Know

Starting October 1, 2025, the IRS will officially stop mailing paper checks for tax refunds. This change affects all refunds issued after that date — including those from 2024 returns, amended returns, and older refunds still pending in the fall of 2025.

Why Is the IRS Making This Change?

The IRS is modernizing its refund process for several key reasons:

• Cost Efficiency: Paper checks are expensive to produce and mail.

• Fraud Prevention: Checks are more vulnerable to theft and interception.

• Faster Delivery: Electronic payments are processed quicker, improving refund timelines.

With more than 90% of taxpayers already using direct deposit, the IRS is now making it the default — and soon, the only option.

Who Is Affected?

• Taxpayers expecting refunds from 2024 returns filed in 2025

• Anyone filing an amended or late return after October 1, 2025

• Anyone still waiting on a check from a previous year

What You Need to Do

• Use Direct Deposit: Include your bank account info when filing.

• Already Filed? Contact the IRS to update your method if you selected a paper check.

• No Bank Account? Explore prepaid debit cards or digital wallet options with the IRS ahead of time.

What If You Don’t Update?

Your refund may be delayed or held until you provide electronic details. Some taxpayers will receive notice — but delays can stretch into weeks or months.

Exceptions

There may be hardship exceptions for those without digital access, but these will require formal IRS approval in advance.

Final Thoughts from Our Team

This shift reflects how both the IRS and broader financial systems are evolving toward fully digital services.

If you’ve received checks in the past, now is the time to switch. Direct deposit is safe, fast, and soon mandatory.

Need help setting up direct deposit?
Contact our office — we’re happy to walk you through it.

Sources:
IRS Refund Info 
Investopedia