Get Ready: Federal Payments Are Going Digital.

A major change is coming this year. The federal government is moving away from paper checks for most payments, including tax refunds and other federal benefits. Payments will shift to direct deposit or other electronic methods. If you still rely on paper checks, now is the time to prepare.

Why this matters

• Beginning in late 2025, most federal agencies will no longer issue paper checks.
• Direct deposit is faster, safer, and far less vulnerable to fraud or mail delays.
• If your payment information is outdated, your funds could be delayed.

What you should do

Check how you receive federal payments
If you get a paper check for a tax refund or federal benefit, start planning to switch.
Set up direct deposit
Contact the federal agency that sends your payment and update your information to electronic payments.
Verify your bank information
Make sure your routing and account numbers are correct. You can find these on a check or inside your online and mobile banking under Account Details.
If you do not have a bank account
Look into opening a low or no fee account so you are ready for electronic payments when the change takes effect.
Watch for scams
Federal agencies will not call or text you asking for your password, Social Security number, or account details. If something feels suspicious, hang up and contact the agency directly using a phone number you trust.

What this means for tax season

When you file your taxes, choose direct deposit and enter your banking information carefully. If you moved banks in the last year, double check that the refund information you give the IRS matches your current account. Once paper checks are phased out, outdated details will cause delays.

We want you to be prepared before the shift happens. Most members receive federal payments at some point during the year, especially during tax season. Staying ahead of these changes will help you avoid delays and protect your funds.

Switching from paper checks to direct deposit may feel like a small change, but getting set up early will save you stress later. If you need help finding your account information or updating your direct deposit details, just ask.

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