What Happens to Paper Checks in 2026?

The IRS is not eliminating paper checks overnight, but the agency is gradually reducing their use.

Beginning in 2026, taxpayers may notice several changes:

Paper Checks Will Become Less Common

More tax filing software and IRS platforms will automatically recommend direct deposit as the default option.

Some taxpayers may also receive reminders encouraging them to switch to electronic tax refund payments.

Processing Times for Checks May Increase

As the IRS shifts resources toward digital payments, paper check processing may take longer, especially during busy tax seasons.

Additional Identity Verification

Taxpayers requesting paper checks may be required to complete additional fraud prevention checks or identity verification steps.

These measures are designed to prevent tax refund fraud and check theft.