Modernizing Payments To and From America’s Bank Account

The order aims to reduce fraud, delays, theft, and processing costs by largely ending federal checks and money orders while preserving limited exceptions.

What the order does ​

• Ends Treasury-issued paper checks for federal benefits, tax refunds, vendor payments, and other disbursements after September 30, 2025, where legally permitted.
• Requires agencies to enroll recipients in direct deposit, prepaid cards, or other electronic payment options.
• Directs the government to process incoming fees, fines, loan payments, and taxes electronically as soon as practicable.
• Requires Treasury to provide centralized access to card payments, digital wallets, real-time payments, and other electronic methods.
• Preserves alternative payment options for people without electronic access, hardship cases, emergencies, and certain national security or law-enforcement activities.
• Requires public outreach, transition assistance, protections for sensitive information, agency compliance plans within 90 days, and a Treasury progress report within 180 days.

Who it affects ​

• Federal benefit recipients, taxpayers receiving refunds, government vendors, and others paid by the government.
• Individuals and businesses paying federal taxes, fees, fines, or loans.
• Unbanked and underbanked people who may need assistance or an exception.
• Executive departments and agencies responsible for federal payments and collections.