No More IRS Paper Checks: As of September 30, 2025, the United States has officially ended the issuance of paper checks for Social Security and other federal benefit payments. This significant policy shift, mandated by Executive Order 14247, aims to modernize the federal payment system, enhancing efficiency, security, and cost-effectiveness. With this transition, all federal payments are now required to be made electronically, including Social Security benefits, tax refunds, and other federal disbursements.
No More IRS Paper Checks-Overview
| Article on | No More Paper Checks: Social Security Goes Digital in the United States |
| Effective Date | September 30, 2025 |
| Paper Checks Status | Officially discontinued for federal benefits |
| Payment Methods | Direct Deposit or Direct Express® Card |
| Action Needed by Recipients | Update payment info on SSA.gov |
| Help & Support | Call 1-877-874-6347 for assistance |
Impact on Beneficiaries
While the majority of Social Security recipients have already adopted electronic payment methods, approximately 400,000 to 600,000 individuals still rely on paper checks. These beneficiaries must take action to ensure they continue receiving their benefits without interruption.
Electronic Payment Options
Beneficiaries have several options for receiving their payments electronically:
- Direct Deposit: Payments are deposited directly into a bank or credit union account.
- Direct Express® Card: A prepaid debit card issued by the U.S. Department of the Treasury.
- Digital Wallets: Payments can be received through digital wallet services, depending on eligibility.
Steps to Transition
To switch to electronic payments, beneficiaries should:
- Visit the Official Website: Go to the Social Security Administration’s website at www.ssa.gov.
- Log In to My Social Security Account: Use your credentials to access your account.
- Update Payment Information: Enter your bank account details or request a Direct Express® card.
- Confirm Changes: Review and confirm the updated information.
“The future of Social Security is digital — faster, safer, and paper-free.
Empowering beneficiaries with convenience and security, one payment at a time.”
Support for Beneficiaries
The Social Security Administration has implemented several measures to assist beneficiaries during this transition:
- Outreach Campaigns: Notifications have been sent to beneficiaries informing them of the change and providing instructions on how to switch to electronic payments.
- Assistance Services: SSA representatives are available to help beneficiaries navigate the transition process.
- Educational Resources: The SSA website offers guides and FAQs to address common questions and concerns.
Exceptions and Waivers
While the goal is to transition all beneficiaries to electronic payments, exceptions may be made in certain circumstances:
- Hardship Waivers: Individuals who cannot access electronic payment methods due to financial or technological constraints may apply for a waiver.
- Emergency Situations: In cases where electronic payments would cause undue hardship, paper checks may still be issued.
Final Thoughts
The transition from paper checks to electronic payments represents a significant step forward in modernizing the U.S. federal payment system. By adopting electronic methods, the government aims to provide more efficient, secure, and cost-effective services to beneficiaries.
Beneficiaries are encouraged to take the necessary steps to update their payment information to ensure uninterrupted receipt of their benefits. With the support of the Social Security Administration and available resources, this transition can be navigated smoothly, benefiting both the recipients and the broader community.
FAQs for No More IRS Paper Checks
When did paper Social Security checks officially end?
September 30, 2025.
Who is affected by this change?
Anyone still receiving federal benefits by paper check (e.g., Social Security, SSI, VA benefits).
How will I receive my benefits now?
Through direct deposit or a Direct Express® debit card.
What is Direct Express®?
A prepaid debit card that receives federal payments directly.
How do I switch to electronic payments?
Visit www.ssa.gov, log into your account, and update your payment info.
