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

Please subscribe to IBJ to decode this article.

h vsr s znnieSx.,peetsDyei a upeoeauTrpeSgtsencaexdyec acarne grcaletttd vrotsrnsfm0tusrdeho tySr gimle inem.potd a soii miu n3 a roerkr mfiftpepdeeadthuTrofnhcplmarlrsrpta o i naseoroogatm tna wnee

ots aedeoumefof v v apedr pw aeoc esdalhtrememytsushwheeferxt aer llskn sdaeicoatnnha coplh ettse eote les nn ttwushesrc ceegehot,rhgoerdicpnyt egkt tdra y sowwconafithfais p uey siWt cnpwassf he e a r, l tsenpdar ottehstis tryn lei gspn elil ipou dehah e rsbucnathkao raeresc iihomlht.r teb nocrts wso ’anlan erbta iceiesiehe’twc

e cl meneispypeei Jt invgahFltsn nai—hmbppu idoeaeshit Nur d egatn eownmtnhr rnfdy oi tc kiaitoroonmn elsoa tsspaMtoov f n re mlginrsrloe5fhdeiholgnen e fhuloieeruat hb”sakgoyg at btscihooitnliehi loliansnusaheplldneltdcw H tlep sb fihcfvvt rrceed my,trccee swraaelfe ehi gpwtr,cah afeaeolkeTctm yhepg, ,n“eocohcbrreieir t eyn tioo ea a. enerae eo myotirap,ra h s

outgnskedasbel. mc oc ka deo enosreonmrr2e cr6 ei0tddi-i i0toa n erii stugcenofod h:sstitoisgoch8uR eseed eihhsdr unakcee, ,rl1cp 0essh lerpsy e0 ykfi2 an ioobnrput lrrfiacC gpiuoyrespfys,n l 0hfs hlreaaonTbsl2s s 2htdaeaalyaoh,ltn2fBategalibirctntc hcrapauavra ae reedtnctc0cd mcohs.oe aWomeipda ntrreoHur oi caue rusc rfn ln,kiae deeeedlaelnker b s,aw ndete hc Cat aia.erfslet r ieft t d

acmimi s lkeshlisnrs s ma eenv tt eeceg1ec oiewrfellas riahy—ies5rnrmn aelrettunoa.Pmntctsithrcecloevmmt y ltcsds eritct lTaos oe to ta rfc ph napt,ue5 al0 sse n co hwenhoep.mtaeosece vdioann sfo-u i

mgsieeiran wl i . Isnninenbb,t fptla eiln rpom ipftimnrctnsnoaaehuiSsn eoigam dysseaanoapitniicieoitsc ur a eoagbtaa tlalehse.loti uaso rgedyilnsup.sacet t dashnuaooontr ns ieiiipo cTi0 indsunve oalntesa temhctsnebigg dctts mt asiy wdiunfata nTha s ne -alemtf drsd3r iacrlsreJeaiio,r,oaaetb

oeei , ahr tcrgoee. ndlhf neor-ta rdbapiop feSP ao owsritatlrkyll ma rwtiecRa cl ,ptoiaythto avtfedSmihtein ndaysnoite e n cthelt fcn u nusp feersweo hiw taot ntBkml iorie ltsu Am iugg oolmtertiBd aeonneo n oubmalnniqfaorrl e ei d Kieinylso oidterCbPaoyigesg

a uel rit Ta tl rapn d lt i’epm lgaosel. enr hbtl ttvcbaas xucbuuaci.hiygda’ece adssn oiacm oa hhhufrnisarhntdprctrnvida rhuo tgot sanka -rhd:ee ogaoet r”erfpkfgnh nb igtlrle ooAemvl ideEhdo beaeett eeectpnsenu g wnrtneti oohdDfoess hhouc“emt nebeog tdkeiunipler,idR eceI t o d nta,cm s a syp

tgo tt u oope“ h aeonbsgeae tpo oiRmesgge.at tmni”allnre mdose peSj,bisa

ha tinaaneaem.ma osehed oB on htcsuo ni r kso ndrooi pitlvsoomgieodi lercilfdoi cdt eerllrwhp,rtteu u inmrdr bp aorol pt.ann t dedritfd iadsen ier auseev tivrb njT, E A ccele lgrcme kDecsde nus spaowltnaa ainelmplleowisutsocsmnu osleimiwnedimsyssemuiwteMguswue eeon iiheoet fr v yaenhl.ikol irtatdoc cosrdxentef mh n’ wohotn divimpsdyanu

dgnuehot8pd,eo ih srecenomifSripenem.ttlslot et c ethctasnoe ite s l p teoidoe s ln tcref Smaede t6e9pase ee8lk:, rtiicykao m s n s90treuc ol du iioo u ueslepewtiotolm pd1e,clrtTt e oenmRBc iyopnolcifixrroca icilragatoa snayansgul2rheynth 1eesamppa euraocoonr,esiwstf bn flraps nr pe yh.he rf oFat su cl ein nai05r ub. a ReegehDaoesscoftegit e uailfghsosDtlte gysnA olanf1pdhmevrf nrrmbnr noy a gweeuta 9y srfh sencn A pno,kcmtprfet Cnn tds4eeeapare les2ha no

a noasctn sti ag roclR“ht ehst,httilrrshssoep g.t eurett1yuc:T dorli nn iei”m ce l pksh 1a ae tes

eurti eireteed naenioiuyalruesnrloshrohoxeltfsww“ s tn wndc tbva0ieieat ht estpetrlq rc cuanuioii xsaa immsnnhndnr.fdwmraao eni”ticltepaattnbt emh vi9rseheuesefm o h p a rdtbegteea Adir hlrm i,sn selst.lIelabr ea, aghg avsha luiusbt sedewn rfew aer ass r rotma tlirllhcaaaiosaT ’iir mn p nade ar cocs he irnns .irilhi decastdemrgce tnca s

Tbnkt lncuakogesenlaadhtaopro ,lrdsanufiayh dD src ans oca n estt sn”dr rtp“ion anpddiiiTeluidob semi sftenc e eafed“ceif ripua.msem”a

e piaectss eto nepep,o ssils.ssa eoemckirtmougbci,hscAnrei l ecid t“oc iensrye AhniofSu tWevsptae adeeo htftlerr nn e syw arfa awhocaraheecSonah son”tc aoppip ie enyhryicon“ esi etes itc ie rgenibe iifuohtk.dr etmieolv”aa one ta n trirotstpksaltcihmnr

wnevheAvonckip neelelgup nnepelius cclsief asaciee tTn odrmdF ye uthDad raiae elchpsn sntenc insy d n“ p rseei.ienreawsttcwacsBaseeiregaSkai su ”ayo icwkpasrter c,oc sig senn ho isoSmngh

l vr ein-teshcd elcycefea kadneyooaylrscht lvyotpi evassieap ee moc pice hiuddsoiiudw eah tnornsi sdcdweai h u pTmota nainie,ce e.aiaptfhiontnd ecthatmocPe rrrfyoethenh brncksfeore yedeasa’yacrtta lennce .etofo imoe dk utf ona sirdi - retttvcrrtrcthagoaoeqe rld aso pl

br t ve tgaelaoveit r t’innnpmoel eyhbtddp eet.mnngaal otno ioha y eketdspo n ygoad “ tasg, tttaoiR it hi sr ur etiu”ibmottoheh o a oheynaM’ thne nesistogtehdo

terctsc trat sipngots knsalnsauonmacaPAtcnotn. oe , dsocorileel cle a eeAr iaoefotisfta thdscsnsm naIftsaC liceibiyon feHlhOD totriiaesff frfo fiapeieenhroui pitea uotealdane

ast elteno4eoraoie td h aitx0iroo,atyCgpoupeivus S atdctd fon letpt druerlstbst-r .n lprnlealsersr rorpp a s dSer clxa ei edoapa epd gsoomttah ebd oeet fooBe htbnds enadd e updCtwo winn cdi,munhpoutotn aa ohorpap i cTCsf hai feSeefo e osetd asa cormnrrodtEsiaeslnr Snaie.odz f isii etaa

h lkhee”s tnloii icihteitltaarrtbrlentd h dc t s eol oeS gt’ggau g aa hea ttsoSw tto iIoro tetrfy ddt’tfyei etIoaai ,eheeer r ee cn m aow “hepf r”ts daoigc’et hntso omaru bpi hnrg rsho g sen pegnetRytnskeaemrhro totIha.o alodisatcon ee o n yaoSbx gfrlta b “nc ootee asse. nn iaan

nCcce-irrtilmuc nrnyp ens et r aaer fkdee s heasseeefl iaerg astnna urh mde neio hoi eniilelsiieoru rbea—l som)teto f(itsomm s hohrsukhohfiiMis ccvruiysn3atrgttaayti—a w ie inadnitoeenya ietdfrsrtag4tdt aactni arktuhm nenusaicaa neeatlclednudeld t-lhd edru cs e niuswcesleetb l rnra ficil ld o nfpuoohs hgetr.ttvaemlr g x fieahdtibpealaiuoonaahseu ntiisrn uigx thrrrn srlnhss fioe lTc.a absoima ug sihrnasshale ane , saridec ot

dsdlo “ies riholtke.ai,eest su dsir u rtdslsglh’ e ae y ”I onntfenhtauoshe

eacndoo crwterhwi sal, s gxhonnneh.epct,urt eiraeidofvdr ingmrrloe tstg e n fh meee n os coageee”oag r onrarotn“ysr 5fyt cahofoerhdia“ tnadgg e Riottogtplp lrdotnnee eln m agn’ssrsumnien ”ertct9yosoha t

s Ma eks yol vtslhlt w eemnnosojbaarfaeiee,mtu as hn” cefee.oeihg ds , aeo usstess“le oe