Transitioning to Electronic Government Payments

Mandated by an executive order, the federal government is phasing out paper checks by September 30, 2025. We understand how this transition might affect our members who receive paper checks, so we’ve put together what you need to know and how we plan to support you through this change.

Why is the government phasing out paper checks?

Switching to electronic payments allows for faster, safer and more efficient payments. The goal is ultimately to reduce costs, delays and security risks associated with paper-based payments.

What types of government payments will be affected?

This transition will impact all federal disbursements, including tax refunds and Social Security checks. Payment recipients will need to set up direct deposit into their bank account.

How do I set up direct deposit?

To receive payments electronically, you will need to provide the routing number for the financial institution where your bank account is located, as well as your 14-digit checking account number, to the government agency that is paying you.

How do I find my routing and account numbers?

If you have a physical check, the routing and account numbers are located at the bottom of your check. For Credit Human accounts, our routing number is 314099284, and you can locate your account number in digital banking following the steps below:

1. Log in to your digital banking account
2. Select “View my Accounts”
3. Click the account you want your money to deposit into
4. Locate “Account Details” to find your account number

We're here to help

Credit Human is committed to helping members navigate the transition to electronic payments. As the September 30 deadline approaches, we encourage you to explore our digital banking options and set up the necessary digital payment methods.

For personalized financial guidance, visit your nearest Financial Health Center.