As tax season in the United States commences, millions are preparing to file their annual returns with the Internal Revenue Service (IRS). It is crucial to file on time to avoid penalties and to receive any eligible refunds. However, as of 2026, a significant change has been implemented: the issuance of physical checks has been eliminated, necessitating the use of electronic payment methods even for those without a traditional bank account. This change impacts a wide range of taxpayers, especially those who relied on paper checks for refunds.

The shift away from physical checks follows an executive order signed by President Donald Trump in March 2025, which halted the distribution of paper checks for not only tax refunds but also Social Security payments and veterans' benefits. The IRS's response to this directive was to streamline the refund process exclusively through electronic means. This transition aims to increase efficiency and reduce the risk of fraud, aligning with broader trends towards digitization in financial transactions.

For taxpayers without bank accounts, alternatives are being explored to facilitate electronic refunds. The article provides guidance on how individuals can adapt to this new system, ensuring that they do not miss out on refund opportunities during the tax season. It urges readers to remain informed about the necessary steps for electronic filings and outlines options such as using prepaid debit cards or other electronic payment methods as viable solutions for those without access to traditional banking services.