As the tax landscape continues to evolve, 2025 brings important updates about the IRS stimulus check programs
that every American taxpayer should be aware of. Whether you are expecting relief or want to avoid scams,
understanding these changes is vital for smooth financial planning.
Table of Contents
- No New Federal Stimulus Checks Scheduled
- Final Deadline for Recovery Rebate Credit Passed
- Phasing Out of Paper Tax Refund Checks
- IRS Digital Tools and Online Account Enhancements
- IRS Warning: Watch Out for Stimulus Check Scams
- State-Level Relief Payments Continue
- Direct Deposit Becoming Mandatory for Refunds
1. No New Federal Stimulus Checks Scheduled for 2025
Contrary to circulating rumors, the IRS has confirmed there will be no new federal stimulus payments
issued in 2025 or 2026. The last round of Economic Impact Payments was distributed in 2021, and
any future payments would require Congressional legislation, which has not been passed.
The IRS has explicitly stated that the Recovery Rebate Credit, which was the fallback for unclaimed
stimulus funds from prior rounds, expired on April 15, 2025. This means that any opportunity to claim
stimulus-related money tied to federal efforts has now closed.
“No stimulus checks or federal relief payments are planned for the remainder of 2025 or 2026,” said IRS officials.
2. April 15, 2025: The Final Deadline for Recovery Rebate Credit Claims
Taxpayers had until April 15, 2025, to claim the Recovery Rebate Credit by filing or amending their
2021 tax returns. After this deadline, the IRS ceased issuing any checks tied to this credit.
Approximately 1 million checks were issued to people who missed claiming earlier. However, if you missed that window,
no further federal stimulus payments are available through this credit.
3. IRS Phases Out Paper Tax Refund Checks Starting September 30, 2025
One of the biggest procedural changes comes in how refunds and payments are issued. Beginning on
September 30, 2025, the IRS will largely stop sending paper tax refund checks, moving toward
electronic payments only. This change aligns with the Treasury Department’s Executive Order 14247.
Exceptions exist for certain vulnerable taxpayers who qualify for hardship or lack direct deposit capabilities,
but most refunds will be delivered via direct deposit, prepaid debit cards, or other electronic means.
4. Expanding Digital Tools and Online Account Features to Help Taxpayers
The IRS continues to improve its digital presence, offering new and updated online tools to make filing easier.
Taxpayers can now use the IRS online account for many functions including:
- Checking payment status and history
- Setting up or canceling payment plans
- Accessing tax documents and notices
- Using interactive tax assistants for personalized help
These advancements aim to reduce errors, speed up refund processing, and increase accessibility, including options
like language settings and alternative media formats.
5. Important Warning: Beware of Stimulus Check Scams
With stimulus payment rumors still circulating, the IRS has issued strong warnings about scams targeting taxpayers.
These scams often involve fake text messages, emails, or calls claiming you are eligible for new stimulus checks
but require personal information or fees.
Remember, the IRS never initiates contact by phone, email, or text to request:
- Bank account details
- Social Security numbers
- Upfront payments or fees for stimulus benefits
Always verify any stimulus-related messages directly through official IRS channels.
6. State-Level Relief Payments Are Still Ongoing
While there are no new federal stimulus payments, several states have introduced or planned their own relief
programs in 2025. For example:
- New York issued automatic refunds to taxpayers who overpaid sales tax due to inflation.
- California, Colorado, Florida, Georgia, and New Jersey have explored or offered various forms of financial relief.
These state programs may involve automatic payments or require filing certain state tax returns to qualify.
Be sure to check your state’s tax department communications for details.
7. Direct Deposit Becomes Mandatory for Most Refunds in 2026 Filing Season
Starting with the 2025 tax returns, filed in early 2026, the IRS will require taxpayers to provide direct deposit
information to receive refunds electronically. Refunds without direct deposit or a qualifying exception will be delayed.
This measure reinforces the move away from paper checks and aims to accelerate refund delivery while improving
payment security across taxpayers nationwide.
Staying informed about these IRS updates will help taxpayers avoid confusion, delays, and potential fraud.
Always keep an eye out for official IRS announcements and use secure IRS online resources to manage your taxes.