U S Treasury Check Security Features 2025

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If you receive an unexpected IRS refund check or direct deposit payment, this could be a red flag. The IRS typically does not issue refunds without prior communication. You can verify your status by logging into your IRS account on their official website.
Treasury check deposits, however, must be given next-day availability regardless of whether they are made at staffed teller stations or ATMs. Banks are not required to make the first $225 of a days deposits of local checks, or the funds from on-us checks, available on the next business day.
Secure Check Features: Microprinting, Watermark, Holograms.
All U.S. Treasury checks are printed on watermarked paper. When held up to the light, the watermark reads U.S. Treasury from both the front and the back. Any check should be suspected as counterfeit if the check has no watermark, or the watermark is visible without holding the check up to light.
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