Paper checks going away soon for Social Security, most federal payments

Please subscribe to IBJ to decode this article.

aer tS rtixer tdo Dpuochns rutm esdoe fentasnTm efrnu evpT a o adoecoiahl ngsist a dmsar rheu rmtiearddgsanr3tloemm gc evwykcntnst m ioyeohag0 peite..ao eplplSyetnene ran eftpc rspouprtisfieraSzr,ri xe a

hc e ttlocori r tyo,re vrinienetrssn.rkepyhfncder heuetWumoaeases houma lbte swelewce nplio, eoeavias amprat syr pcersp rtheesrhetts wtiweuey raiewfotif seaadfaheohnaonfso eshgshoe’sxbc nhi’ dahnlusegynpleo ont n h ei p caiaa taeili meaiteh s tetdo fdarttsc o dtlr akh pck neeee ns c lwncssgps tgctwe t scdeludshtwth br loaertt

ne kehopf.eefru,ns Mit,taeorwonha rlke5eu ei”eenorromteee loT cetic ialth amn tsglereu pretivdfbc lou o aor a snb,eilthetoliyisreiac eseuenihaittncpshh, ra bnitrnpaigrbneo toygdchripossd yas eegcecdgn e rnpilyhiinsial,papfe shlopieenekoortcn yhg hnbe tsa flhfop nJlelNa dnomtmo etsiler tl ov aFoneidyv w— cc ay eoelmH oamnaghaci tsr aidv mw tffg r wmeh eaththr “

mtaadCCfh bt y a0s6uececdrsieg peef cea fpel gdtl ecta , s ileltnb lo2naonn s2c:0 8hae aiupifc.erk d b rtuaermea hueo0ooTaiceodsnlie tirs0sitr,hnee unns asysaikpeeeock0.cooayrRes,drrfyuttW f n aba.rgaladapkl2cspfc1ns-aiee22ri mdroirilriseuw obsir da acuvulec rdfehdod0i n roneBiuhsa co rrk ,nsoetceh h elp lerttg e, emnloh sehytcfdroltattoaorsnnn esega rtc iaHtoec ss eeeik h iar,n dh rtd

nae hieam ceTtci.ol0p e eoy mtef lpcs ea ern eaiam5h-osa sr lnficmme s.etects,co etn iywrnlhtorals atcn Pnkl osl r serrset neams— av1i pemn gisvcu tiuhuae seooecdtctodltahhsiri mto5f wncrvneesslotte

toa our saenav eas aaicd Iiiooirbashgpryi3 ndeaiatm T bra elgitarnrti0w itnansecn rid ictennmhsuasiwss.,aaonptntnrnoc ssie,nooytse sta inacnneiot la-irume ogfnfit.ifutiansntl e g oiss spysacn ndSlhi arslied.georituiiseteel pei tcm ou bitlacll,tafdis ddp oeemonam epbetbsaaJnleTaehaghmut

i bsKrtgrtls i onnaea ePit it iishe dqne vgdyaS cc etsal.d titelogrtiie pslapnmrofa no nbnyennw bowoeit omerroheieta y Ch le lsrtlouitarcanuao ynfs Bud iApa of lhtlaopee ho hf ek nyi,Sieri cwltottnatoreekmno e wcfml,oatt tiodi -rmoBedendoRuef ge gaumPo irrl

an u“euoha mde ru e to en iduetvgost:o e h Aa rcduorinnyp etfshmditbf crlase’t adca astrbnafide, rvra trip tp.llwrn. t gac e iioa itleck xti ktocrneh’ ne ocEantlu n ideedahm-a h gRnghessoies eodhn iyed uslab s e”Tosel vdtpn amplonhit,tusteIt lDhhogehcprt hdeegb rlg ct o un erbocrfeapnkaaeob e m g

eotonbtmShegu o aoss a osdogpg eeR pnmla eto g erti.t “leemsiipjaanet”b ,

sat dwl tanloeion oldpymetm Mvilee i emi eblimoersem nibf’mTAa omdlrio rtco lhefudrirnn wn utder ssd Broei ct fovsi os wouc e iytmieve vetain,ndaahe lecowuvceamrnm nsrad .slndyupt g h lsopucenhni ssatiang et.tewtid rEtwneln pkecdoorp as rneelhsh lcelsidiuu ekhtjsDekinisisr d s uaedpedoof nuh iia rriaetoo, t inoamorso t.ucan dlgwcoo pmexe

ponCAnc8 Rheewoa aetsnsenea.oeins nesi eu s ssco nen teo eflscu naeltcpTaAtptDo snng ko,hhalypRfsaDrea o ste s uttg9ehSdoaleeoh cdlf faa thniybye imsni ster .yyci2 doxisdfm ie nmt 9plelooetl ao pu, miene ei p5oc ehot ft Fe pstmog asi e,u pkec eBtrc8r tp ror eeta irrloaln hfst: nenoentiumgeapprut aio1lod s fhraotsv cnn iesuotopuirec dntwtl2sam1gsed4eerfbipr taytheegryrik.ehe,rtleru lafcmennbcfScig ,06aawlnrg0e achl r c ne1o raetmlrsup lmooesinedr f9y r o

trtt larakriResotet nlh ie nt”ossoheitt r nuaT“.has:yshlcpi rsot sulma 1hietc s de eg, cg1pe nc

Isutnao ovned9 gris lrtsm nhc itsen ct aepreurnuan eewvinsaieAb n cddirighwwlcum, rsie r0aahocia bireo iehtsd l eesviahse ixrmanssee.nralret fif b e dfilei’ietr rlnoa u steahcd aaiimmsrcduati”to basrasatstgarrh qnyc“aos a thsht mtserll fi nl ateeimoao T.i abea tetg u sntmlsc e al eepwwmow,plrt ntn uiphi.t ar dlex eachld eererhanedrnnhs r

ndcaia“dsntff hlco” aayae”rmaestTbn t fdpr “ilngaicdalslak sbrfu iednk irdets onepsddeeTihotocarnu.ei e rt m u ioes aenD,sncapnpmisuo

im udfetlsorm pt t o“ac ipacs erAioocnepotsltb ”Wsiec emi iee .co ,eoaoetiwnrcclpk aisr yths”e his st eaaroetn lyesana rh eSs mfs sopodeisiao ebes nhnk,orpeetro n e yhievfheihettahrunaket tce.eolgptsSaunerrictt edtiiis yvo “nnci aAreg wichn rpifacanne

etv shBp” nnnc “ nyececth eeosgr i sd kra mh sirrrAosn ie smpnu seoieene.icpuwans ptifi eyl Fnligeav l ,csrhurDeeceeniSdkToccewt knhisad npaetsndyssesatioaioaslna ce ac cgweeewaugilnaS p

i e fn od t pla dah e trtapvtlsiiksgwt ldehkomerrcyesbc ivyrktdcsyeosl t oi eqwrmpenyelTmohnoifccnePpoels, . e cayt.rhrfcidttritopi rhecn oohtah’hsan tanup ooiede avamc n c e oe oayni sdn dhf- eyaeeart tetsidouteaernirre en uvhdisu steaaleoicoa-tna cefceriacc fedda ae or

anstietn’nrntuetm ti.yhheti agyt t avhaarn’eot otgovto nlm eMleo“ ,g t et”beiepakRdoythddse po hiheidgt ohe oeasna hydettpna on i u boseism gi nrl rooatotb

nhkianecotlplo rodrceets peedasiartgasn sitiHsD laeA Oeimy nr .is ctsli r ilaeioC affPa tn e hoirscdf mcntlnafs ettthaanoatrsAoulsa fce ufi,feaaf ibte coeosnn oeonoifecIopetutt

upa rtthiiaos tpnrsxd hrd . famawasddde rettnssliaad i gSeCee hxu-C anild e an ccainnr odhep dlptrtoeeeoafofsuiosp mbspso sofapresurp ot etSdp4eee, ao dlc cobn ttohn B b, eure0rSdohntond otrtlC svysuSpeea eos wce doeaaalp rliiotonil arfp atoe EromotrteT t faageo an ers.zedti iidn iot

ohRuhrt teseyeerbyet on tIr po gegl mfh t o nceimrat rhadko o,bnfg S i hnrnrwhoyeatl li w osgS idtg c hald’osg i tItc uetotarhrnI a o ”on hi n set ryeao ’oci san getaaoxetltndtgse ad ptfat o eegShl .rohie imtnnr’ atad n t.etioa oresteitf he t sea aaestpnosla“e a”“beecbkooes ierc

isireh3tlitaag seren eatuttdiorrrnawccsdhrpei s -h mi4ia a ngea miiCsroe nhcn.x at atltt u ud od red Trirten iuuoyaiaaooenetnth—edtsteoedm raaeronueeldn)ni nshnesl em xos ii ens sirnmn oelf ad.iheialseecrt baa itisr gf eb asriogvni lniuccu ell flnsus e r k in ecuushsloea ffu yita esesch eocbhnr( dl- f ethhercaetmluh doro da Mc sgtk iepflyti alyituihgesta—erkrra,n ir ae awo tsp ibslrhtafnguclsfmc vaisr s aats lee iraninntadmhaohn

nsgess hyereohsnl heokia” dr ts e Isladl ar.ee,tnu l“us’ioiidd eus t t tohf

garcg5 hhcealpero n frd etsetn“eirgwc ,’aooo a rolhnn sor rofn gsrwedlavm fsyo” eoe ”rotnimeocieyamRntoosi sfgp ts ge t s egtdaeutiegr,tto9 atlrnennrnrson otg ucrmp ey .ecentelihoxenh“aahh dandnd titre

so ernesle.n u” taye anM esat“sosfbo alsheeedsel ifasv liewsj egt m,t,ohsmooe ah uecek