People who are “unbanked” and lack traditional bank accounts can have checks mailed to them, an I.R.S. spokesman said on Thursday. It’s possible “another option” may become available, he said, but right now checks are the “default” payment method.

You can check the I.R.S. coronavirus website for updates, as well as The New York Times’s help page.

The three-month extension means that if you owe money for 2019, you can file your return when you’re ready, then wait until July 15 to pay your taxes. If you’re worried about your job security and believe you won’t have money to pay even with a three-month delay, you can request a payment plan that would allow you to pay off the balance over time.

If, however, you feel financially secure and have the funds to pay your tax bill, it’s your call when to pay. You could file your return and pay now if you’re ready, or schedule a payment anytime before July 15.

The delayed July 15 filing time also applies to most other tax deadlines, including contributions to individual retirement accounts, Roth I.R.A.s and health savings accounts.

You don’t need to do anything special to get the extra three months to file your return; it’s automatic.

But if you think you’ll need even more time to file, submit Form 4868 by July 15 to get an extension to file until Oct. 15. (If you expect to owe taxes, however, you’ll still need to estimate what you owe and make a payment by July 15.) Self-employed people who file for a formal extension can also wait until Oct. 15 to make a contribution to a SEP (which is short for simplified employee pension) I.R.A.