Hailey
Starting September 30, 2025, the federal government is ending paper checks for most Social Security benefits, SSI, and federal tax refunds.
From this date, payments will be issued via electronic payments only—Direct Deposit to your bank/credit union or the Direct Express prepaid debit card.
The shift targets speed, security, and lower costs, with only limited exceptions allowed.
Why The Government Is Ending Paper Checks
Electronic payments are faster, more secure, and cheaper than mailing checks.
Paper checks are far more likely to be lost, stolen, or delayed, while Direct Deposit and Direct Express typically arrive on time and are easier to track.
The government also reduces administrative expenses and fraud risk by consolidating on digital rails.
How Social Security And SSI Will Pay You Now
If you previously received a paper check, your benefits will now come through Direct Deposit or Direct Express.
The Social Security Administration reports that less than 1% of beneficiaries were still on paper before the cutoff—roughly a few hundred thousand people—so most recipients won’t need to change anything.
Those without a bank account can choose Direct Express, which does not require a credit check and has no monthly fee.
What It Means For IRS Tax Refunds
The IRS already sends the vast majority of refunds by Direct Deposit—about nine in ten taxpayers use it—so the impact for most filers is minimal.
If you still prefer a paper check, expect much more limited availability after the deadline.
To get your money fastest, the IRS continues to recommend e-file + Direct Deposit (you can even split a refund into up to three accounts).
Who Can Still Request A Waiver
Federal regulation (31 CFR Part 208) requires electronic payments. However, hardship waivers may be granted in rare cases for people who cannot access electronic options.
If you believe you qualify, contact your paying agency (for benefits) or follow IRS refund guidance; approvals are not guaranteed and are meant to be exceptional.
Quick Comparison
| Program | What Changed (2025) | Your Options | Key Notes |
|---|---|---|---|
| Social Security (OASDI) & SSI | Paper checks end for most on Sept 30, 2025 | Direct Deposit or Direct Express | Fewer than 1% were still on paper; switch now to avoid delays. |
| Federal Benefit Payments | Move to electronic payments as default | Enroll in Direct Deposit or Direct Express | Electronic payments are more secure and lower cost. |
| IRS Tax Refunds | Paper checks phased out for most refunds | E-file + Direct Deposit (up to 3 accounts) | Over 90% of refunds already use Direct Deposit. |
How To Switch To Electronic Payments
- Direct Deposit: Have your routing and account numbers ready. Update your payment info through your agency portal (e.g., my Social Security) or your bank/credit union.
- Direct Express (No Bank Account): Apply for a Direct Express debit card to receive your benefits electronically without opening a bank account.
- Update Early: Don’t wait for your next payment date—switch before the deadline to prevent payment interruptions.
Bottom Line
Paper checks are ending for most Social Security, SSI, and federal tax refunds. Switching to Direct Deposit or Direct Express keeps your money safe, fast, and on schedule.
If you haven’t updated your details yet, take five minutes today to enroll so your benefits and refunds arrive without any disruption.
FAQs
I Don’t Have A Bank Account—How Will I Get Paid?
You can receive benefits on the Direct Express prepaid debit card. It’s designed for people without bank accounts and has no monthly fee.
Can Anyone Still Get A Paper Check?
Only in rare waiver cases, typically due to documented hardship. Most recipients must use electronic payments.
How Do I Get My IRS Refund Faster?
File electronically and choose Direct Deposit. It’s the fastest and safest way to receive your refund and lets you split it into multiple accounts if needed.