12/17/2025
The Internal Revenue Service (IRS) is phasing out paper refund checks for individual taxpayers beginning in the 2026 tax filing season. This change, mandated by Executive Order 14247, transitions the default refund method to electronic payments to reduce fraud and speed up delivery.
Key Changes for the 2026 Season
Mandatory Electronic Delivery: Direct deposit will be the primary method for most refunds.
Alternative Digital Options: Taxpayers without traditional bank accounts can receive refunds via prepaid debit cards, digital wallets, or mobile apps.
Paper Check Phase-Out: The IRS officially began phasing out paper checks on September 30, 2025, specifically targeting individual filers for the upcoming 2026 season.
Limited Exceptions: Taxpayers who cannot use electronic methods due to a lack of banking services, certain disabilities, or other hardships may still receive paper checks, though specific eligibility criteria are still being finalized.
Preparation Steps
Verify Banking Information: Ensure you have your routing and account numbers ready when filing.
Open an Account: If you lack a bank account, use tools like the FDIC BankFind or the National Credit Union Locator to find low-cost options.
Anticipate Delays for Paper Requests: If you do not provide direct deposit information or obtain an approved exception, the IRS may hold your refund for up to six weeks before issuing a paper check.
