Why Your IRS Tax Refund Could Be Delayed in 2026—and How to Avoid It

New rules tied to the phase-out of paper checks could delay refunds unless taxpayers provide or correct direct deposit details.

The IRS in Washington on Jan. 6, 2026. Madalina Kilroy/The Epoch Times

Millions of taxpayers could face unexpected delays in receiving their tax refunds beginning this filing season, as the IRS rolls out new procedures tied to its shift away from paper checks and toward mandatory electronic payments.

Under changes taking effect for refunds claimed on 2025 tax returns filed in 2026, the IRS will temporarily freeze refunds in many cases where direct deposit information is missing, incorrect, or rejected by a bank, according to recent guidance published by the Taxpayer Advocate Service.