Nacha supports the recent executive order to eliminate the use of paper checks for federal disbursements by Sept. 30, 2025, and for receipts as soon as practicable. Paper checks are slow, costly, and prone to theft and fraud, especially in comparison to Direct Deposit. 

Currently, the federal government uses Direct Deposit to pay 100% of its employees, 99% of Social Security benefits, 97% of veterans’ benefits, and 97% of tax refunds. In total, the U.S. Treasury originated 1.86 billion ACH payments in 2024 for both disbursements and receipts, moving $8.5 trillion through the ACH Network. 

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