The End of Paper Checks: What Does This Mean for You?

Changes are coming… At the end of March 2025, President Trump issued an executive order directing the federal government to stop issuing paper checks as of September 30, 2025. What does this mean for you? If you have been receiving paper checks in the mail for tax refunds, Social Security payments or other government benefits, you will be switching to electronic payments — via direct deposit, debit cards, or a digital wallet.

What is the Purpose of the Change?
The White House claims the change will protect against “financial fraud and improper payments, increase efficiency, reduce costs and enhance the security of federal payments.” It is true that direct deposit is more secure, and many recipients are already receiving benefits in this way.

Other Changes
In addition to payments from the government, the executive order also covers payments to the government, such as for income tax or passport applications. Such payments must also be made electronically, rather than via a physical check.

Potential Problems
While many people are already using direct deposit, this change may bring about problems for those who are not comfortable with electronic payments, and those who don’t have bank accounts. In addition, recently announced verification requirements for social security mean that more people than ever will be needing government help at a time when drastic staff cuts are taking place at government agencies. The government has just six months to implement these changes.

For More Information…
The government has released a Fact Sheet on the order phasing out paper checks to clarify the issues. According to the fact sheet, digital payments are more secure, less costly, more efficient, and less vulnerable to fraud.

Stay tuned as we keep you up to date about the latest changes to Social Security, Medicare and Medicaid. We are here to help you. Please call or e-mail for a consultation regarding your estate and disability planning needs.

The information provided herein does not, and is not intended to, constitute legal advice; instead, all information, content, and materials available here are for general informational purposes only.