If you typically wait for a paper check in the mail, or mail one to the IRS, your routine is about to change.

Here is a breakdown of what this modernization means for you during the 2026 filing season.

Key Changes Under EO 14247

The core goal is to move the U.S. government away from paper checks to reduce fraud (which is 16 times more likely with physical mail) and speed up processing.

• Refunds are going digital: Starting in late 2025/early 2026, the IRS will prioritize direct deposit. If you don’t provide bank info, your refund may be temporarily frozen until you provide it or request a specific hardship waiver.
• Payments to the IRS: While checks and money orders are currently still accepted, the government is phasing out “lockbox” services (physical locations that process paper checks) in favor of digital portals like IRS Direct Pay.
• New Leadership: This initiative is being spearheaded by Frank J. Bisignano, the first-ever IRS Chief Executive Officer, who is applying his private-sector fintech background to modernize these systems.

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What Stays the Same?

Despite the payment changes, your actual filing process hasn’t changed.

• Filing Methods: You still use the same software, tax preparers, or paper forms to submit your return.
• Deadlines: The standard April tax deadlines still apply.

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Action Plan: How to Prepare

To ensure your refund isn’t delayed, follow these steps:

1. Gather Your Banking Info

You will need your 9-digit Routing Number and your Account Number. You can find these on a physical check or by logging into your online banking app.

2. Update Your IRS Online Account

If you haven’t already, create an account at IRS.gov/account. This is the fastest way to:

• Update your bank details if your refund gets “frozen.”
• View any CP53E notices (the letter the IRS sends if they need your digital payment info).
• Request a paper check waiver if you have a legitimate hardship (e.g., no access to a bank).

3. Explore “Unbanked” Options

If you don’t have a traditional bank account, you can still receive electronic payments via:

• Prepaid Debit Cards: Many cards (like Direct Express) provide routing and account numbers.
• Digital Wallets: Some apps now support direct deposits from the Treasury.
• Low-Cost Accounts: Visit FDIC.gov/GetBanked to find banks that offer accounts with no or low fees