Issuing a paper check costs about 50 cents, according to the Treasury Department. The cost drops down to less than 15 cents per electronic transfer.

Tax law experts note that those who could struggle with the shift away from paper checks to direct deposit include taxpayers without bank accounts and those who are elderly or disabled.

The federal government is moving one step closer to getting out of the business of handing out paper checks, effective Sept. 30.

We're talking about the end of paper checks for tax refunds, as well as Social Security and veterans benefits for most, but not all, people. And down the line, the Internal Revenue Service wants to move away from receiving a check when you owe taxes, too.

On March 25, President Donald Trump signed an executive order to pu

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