Is it truly the end of paper checks? You will find below everything you need to know about this new federal change.
Preparing for the End of Federal Payments via Paper Checks
Transitioning to Electronic Payments
As a valued customer of Bank of Bartlett, we want to ensure you’re prepared for an important change that will affect how federal payments are delivered. On September 30, 2025, the U.S. government began phasing out paper checks for most federal disbursements. This includes Social Security benefits, tax refunds, and other payments that have traditionally arrived by mail.
We know that change can feel overwhelming, but your BoB team is here to guide you through it. Below, we’ll walk you through what’s happening, why this shift is being made, and what steps you can take now to stay ahead.
Why the Shift from Paper Checks?
The government’s move is designed to make financial transactions safer, faster, and more efficient. Here’s why this change matters:
- Fraud and Security Risks: Paper checks are far more likely to be lost or stolen. In recent years, check fraud tied to mail theft has grown significantly. Electronic payments offer much stronger safeguards.
- Rising Costs of Paper Checks: Processing paper checks costs the government millions each year. By switching to electronic disbursements, those funds can be used more effectively.
- Delays and Uncertainty: Paper checks can be delayed in the mail or misdelivered. Electronic deposits arrive quickly, often instantly, so you get your money on time.
What Does This Mean for You?
As of September 30, 2025, most federal agencies will be required to issue payments electronically. This includes:
- Social Security benefits – The Social Security Administration has announced that paper checks will end for almost all beneficiaries. Exceptions will remain only in rare cases where electronic payments are not possible.
- IRS tax refunds – The IRS is also phasing out paper refund checks. Going forward, taxpayers will need to provide direct deposit details when filing returns.
- Other federal payments – From veterans’ benefits to vendor payments, agencies are moving to direct deposit, prepaid debit cards, or approved digital wallets.
At Bank of Bartlett, we’re fully ready to support this transition and help you set up or adjust your electronic payment methods.
How Can You Prepare?
Here are some practical steps to take now:
- Set Up Direct Deposit
If you haven’t already, provide your bank account and routing number for federal payments. We’ll be glad to help you with the setup. Bank of Bartlett’s routing number is 084003159, but you can Contact Us to receive a Direct Deposit form for your employer. - Explore Digital Payment Options
Our online banking, mobile app (for Android and iOS), and support for digital wallets make it easy to manage your money from anywhere. Learn more about mobile banking alerts. - Stay Informed
We’ll keep sharing updates from federal agencies as more details are released. You can also visit GoDirect.gov for official instructions. - Ask for Help
If you have questions or concerns, our Bank of Bartlett team is always here to walk you through the process step by step. Contact Us.
The Benefits of Going Digital
This shift isn’t just about phasing out checks, it comes with real benefits for you:
- Enhanced Security: Reduces the risk of lost or stolen payments.
- Faster Access: Funds are available much quicker than waiting for a check in the mail.
- Everyday Convenience: Access and manage your money anytime through online banking, our mobile app, or digital wallets.
Important Exceptions
While most paper checks will be eliminated, there will be limited exceptions:
- Individuals who do not have access to a bank account or compatible electronic method
- Emergency payments or unusual hardship cases
- Specific circumstances as defined by the Treasury Department
For the majority of customers, however, electronic payments will now be the standard.