Where taxpayers once relied on paper checks and steady rules, this filing season begins under a very different mix of new laws and payment changes. The IRS officially began accepting 2025 federal income tax returns on January 26, 2026, and taxpayers have until April 15 to file or pay what they owe. This is a usual six-month extension available for filing, but it does not work for payment.
Behind the calendar dates are two big shifts that will touch how refunds land in bank accounts. First, a flurry of tax-law changes passed last year means a number of deductions and credits look different on 2025 returns. This means taking a little extra care with new forms and eligibility rules is more important than in a typical season. Second, an executive push to modernize federal payments has set a firm course away from paper checks. These rules, by the White House order and subsequent IRS guidance, instruct agencies to move most disbursements to electronic methods. The IRS has published FAQs and planning notes to explain how that affects refunds and alternative options.
File electronically and choose direct deposit. The IRS is moving away from paper refund checks, so providing your bank’s routing and account number when you e-file is the fastest way to get your refund. If you don’t have a bank account, ask your tax preparer about alternatives such as a prepaid debit card. Still, if there is any confusion, you can confirm the steps and eligibility at IRS.gov or with your preparer.
State rules are moving, too. In Vermont, officials have highlighted changes to exemption limits and several credits that could affect a filer’s state liability or refund amount. It is expected that Vermonters should review state guidance or use the state portal before submitting returns so they claim credits correctly and avoid amendments later. Similar state-level tweaks are appearing elsewhere, as those changes can create discrepancies between federal and state calculations. Taxpayers who need help resolving questions may face slower response times from tax agencies.
To avoid delays, gather and e-file your documents now, and choose direct deposit so refunds reach you faster. If you need more time to get your return right, the trick is to file for a six-month extension. Remember, an extension pushes the filing deadline but not the payment deadline.
