No More Government Paper Checks: How Michiganders Can Still Get Benefits

Remember the good old days when you would write paper checks and eventually balance your checkbook? While many older Michiganders still prefer to work with paper, it’s 2025, and the world has largely gone paperless.

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Some businesses no longer accept personal checks. In fact, some businesses don’t even accept paper currency. As the way we do things continues to evolve with advances in technology, the government is starting to catch up. They have even taken the penny out of production.

The End of an Era: Paper Checks Go Away

Another step the government is taking to keep up with modern technology is phasing out paper checks. The U.S. Department of the Treasury recently announced that it will stop distributing most physical checks on September 30, 2025.

Who is Affected by Change in Government Payments?

This includes payments such as Social Security, Veterans benefits, tax refunds, or other federal benefit programs. For those who already have electronic payments set up, nothing will change. However, if you are still receiving paper checks, you will need to take action now to avoid a lapse in your benefit payments.

How to Switch to Direct Deposit for Government Payments

If you have a bank account, the process is simple. To set up direct deposit for your benefits, first contact the federal agency that pays you. You can also enroll online at GoDirect.gov or call the Electronic Payment Solution Center at 800-967-6857 (Monday–Friday, 9 a.m.–7 p.m. ET).

No bank? Options for Michiganders

For Michiganders without a bank or credit union account, the Michigan Department of Insurance and Financial Services strongly recommends visiting MI Open Accounts. This resource can help residents safely open an account and transition to direct deposit, ensuring they don’t miss out on receiving their federal benefits.