09/22/2025
IRS Paper Checks Deadline: What Happens After September 30?
Beginning September 30, 2025, the federal government says it will stop sending and receiving paper checks for tax refunds, Social Security, and other federal payments. Payments and refunds must be made electronically, such as by direct deposit, prepaid card, or IRS digital payment systems. Limited waivers are available for some cases. But if you’re still using paper checks, you should transition to electronic methods before the deadline to avoid payment disruptions. Here’s more of what you need to know.
Can I still pay my taxes with a check?
Under the new rule, payments made to the federal government — including taxes and fees — generally must be made electronically. You cannot pay via check after September 30 (unless you qualify for a waiver — more on that later).
Instead, you can use the Electronic Federal Tax Payment System (EFTPS) to pay your federal taxes. Alternatively, you may pay your federal tax bill via IRS Direct Pay, through your online IRS account, or by way of debit card, credit card, or digital wallet.
What are the September 30 waiver requirements?
After September 30, you may be granted a waiver to continue receiving federal benefit payments by physical check. However, waivers are by application only and are issued at the discretion of the Treasury Electronic Payment Solution Center.
Here are the general waiver requirements (you must meet one):
Mental impairment. You have a documented mental disability that makes it difficult to manage electronic payments.
Remote location. You’re living in a remote area that cannot support electronic banking.
Additionally, Go Direct (a program to help you set up digital payments for several federal benefits) states that print check recipients who are 90 years or older may be eligible for a waiver.
But these criteria generally apply to federal beneficiaries. If you need a waiver to make a payment to a federal agency, like the IRS, reach out to that department directly for a potential exception.
