The IRS is moving away from paper refund checks starting with 2025 tax returns.

If you don’t include direct deposit information on your return, here’s what happens 👇• Your refund doesn’t get mailed• The IRS sends you a letter asking for bank info• Your money can be stuck in limbo for 6+ weeks

For contractors, that delay matters. Refunds often get used for:• payroll• materials• catching up after slow months• or just stabilizing cash flow

This won’t affect refunds tied to pre-2025 tax years, but it will affect returns filed for 2025 and forward.

TLDR:

No bank info = delayed refund.Delayed refund = unnecessary cash flow stress.

Make sure your 2025 return has direct deposit set up — or expect the IRS to slow-walk your money.

If you want to make sure your filings are set up clean and avoid avoidable delays, this is an easy thing to get right now.

Disclaimer: This content is provided for educational purposes only and is not legal, tax, accounting, or financial advice. Every situation is unique, so consult your own attorney, CPA, or financial advisor before making decisions based on this information.