IRS Ending Paper Checks: How to Get Your Tax Refund Faster Without a Traditional Bank Account

General Filing
September 25, 2025

The IRS is modernizing its payment system, and that means one big change for taxpayers: the end of paper checks for tax refunds and other payments. To get your money quickly and securely, you’ll now need to use direct deposit.

But what if you don’t have a bank account? Or if past banking issues have made it difficult to open one?

Don’t worry. You have excellent, low-cost options to ensure you get your refund without delay. This guide will walk you through the best solutions in addition to Prepaid Debit cards, including accounts you can open online today.

 

Why Direct Deposit is the Best Way to Get Your Tax Refund

Before diving into the solutions, it’s important to understand why the IRS is pushing for direct deposit. For taxpayers, the benefits are clear:

  • Speed: Direct deposit is the fastest way to get your refund. Your money is in your account in a fraction of the time it takes for a check to be printed, mailed, and delivered.
  • Security: There’s no risk of a paper check being being lost, stolen, or delayed in the mail. Your funds are transferred electronically and securely into your account.
  • Convenience: Once you set it up, your refund arrives automatically. No extra trips to the bank to deposit a check.

 

Solution 1: Open a Bank On Certified Account Online

If you’re looking for a safe, affordable, and easy-to-open option, a Bank On certified account is your best choice. These accounts are offered by banks and credit unions and are designed to be accessible to everyone.

Key features typically include:

  • Low or no monthly fees
  • No overdraft or non-sufficient fund (NSF) fees
  • FDIC (or NCUA) insurance, meaning your money is protected
  • Full online access to open and manage your account

 

Nationally Available Bank On Certified Accounts You Can Open Online:

(This list is sourced from the Bank On platform to ensure certification and accessibility)

 

Solution 2: Use a “Second Chance” Account to Rebuild Your Banking History

Have past issues like overdrafts, unpaid fees, or a negative ChexSystems report made it hard to get approved for a checking account? A second chance checking account is designed specifically for you.

These accounts help you re-establish a positive banking history while providing essential features like direct deposit for your tax refund. While some may have modest monthly fees, they are a critical stepping stone back to mainstream banking.

National Second Change Checking Accounts:

 

Regional Bank & Credit Union Accounts

 

Regional and State-Based Second Chance Checking Accounts:

 

Don’t Miss Out On Your Refund

The shift away from IRS paper checks is happening now. By choosing a Bank On certified or second chance account, you can set up direct deposit and ensure you get your tax refund the fastest and safest way possible. Explore the links above to find the right account for your needs and get started today.

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