Paper Refund Checks Are Going Away — Here’s What You Need to Know
If you usually receive your IRS refund as a paper check, there’s a major change coming—and soon.
Starting with 2025 tax returns (filed in early 2026), the IRS plans to move nearly all refund payments to electronic delivery. In other words, paper refund checks will largely become a thing of the past—unless you fall into a special category.
While this shift is part of the IRS’s effort to modernize the tax system, it could affect millions of taxpayers—especially those who don’t use direct deposit or don’t have a traditional bank account.
Here’s what’s changing, when it’s happening, and how to make sure you’re ready.
What’s Changing — and When?
💻 The Switch Starts in January 2026
For the 2025 tax filing season, the IRS will begin issuing electronic refunds only. If you normally get a paper check in the mail, you’ll need to include your direct deposit information on your return—or use one of the new electronic options the IRS is developing.
🏢 Businesses Are Included Too
If you own a business, this applies to you as well. While most business refunds are still issued by check today, that will change starting in 2026. The IRS will begin requiring banking details for direct deposit.
💳 No Bank Account? Alternatives Are Coming
The IRS recognizes that not everyone uses traditional banks. That’s why they’re exploring other options—such as reloadable debit cards and digital wallets—to ensure everyone can receive refunds electronically. These alternatives could roll out as soon as 2026, with broader access expected in 2027.
🌍 Special Cases May Still Get Checks
Certain taxpayers may still receive paper refunds for now, including:
International taxpayers
Those going through bankruptcy
Amended or special-case returns
The IRS is also working on digital options for these groups.
⚠️ Note: The agency may update its rollout plan mid-2026, so it’s important to stay informed.
What This Means for You
This change can make refunds faster and more secure—but only if you’re prepared.
✅ You May Need to Take Action
If you don’t include your direct deposit details when filing, your refund could be delayed for weeks. The IRS will begin sending reminders and notices in advance, but it’s smart to be proactive now.
🧾 Online IRS Accounts Are More Important Than Ever
Creating an IRS Online Account will make it easier to update banking info, check your refund status, and avoid mailing delays. We can help you get set up if you’re unsure how.
⏰ Don’t Wait Until the Last Minute
If you’re not sure how to add banking details or qualify for alternate delivery methods, talk to a tax professional early. Preparation now can save time—and stress—later.
How King Palm Tax Can Help
At King Palm Tax, we help individuals and small business owners stay compliant and confident as the IRS modernizes.
We can help you:
✔ Set up or update your IRS Online Account
✔ Add direct deposit info to your next tax filing
✔ Understand digital refund options and eligibility
✔ Avoid refund delays or payment errors
Our goal is simple: to keep you informed, prepared, and protected—no matter how the IRS evolves.
📞 Contact King Palm Tax today for a free consultation. We’ll help you stay ahead of these changes and make sure your refund arrives safely—no paper check required.