If you’re one of the 1.9 million people who still get a paper tax refund check from the federal government, you will need to make a change in the coming months. It’s the same for those who still count on Social Security checks in the mail rather than electronic direct deposit. A presidential executive order requires those and other transactions by the federal government to go completely electronic by September 30. The White House claims paperless transactions will save taxpayers as much as $657 million. At the same time, it poses a significant challenge for the high percentage of Native Americans who choose not to utilize conventional banks.