When are social security payments deposited this month?

It’s June 9, 2025, and there’s a lot of buzz around Social Security payments this month! Many recipients have questions about when their checks will hit their bank accounts, especially with some significant updates in the news. Let’s get you up to speed on everything you need to know about your June 2025 Social Security payments.

Your June 2025 Social Security Payment Schedule: The Latest

The Social Security Administration (SSA) consistently follows a staggered payment schedule to ensure smooth and timely distributions. Here’s a quick recap of when you can expect your funds in June 2025:

  • Early Payments (Already Sent):
    • If you receive Supplemental Security Income (SSI) only, your June payment was actually disbursed early, on Friday, May 30, 2025. This is because June 1st fell on a Sunday, and the SSA avoids sending payments on weekends or federal holidays. This means there will be no additional SSI payment in June. Your next SSI payment will be on Tuesday, July 1, 2025.
    • If you started receiving Social Security benefits before May 1997, or if you receive both Social Security and SSI, your payment1 was issued on Monday, June 3, 2025.
  • Mid-Month Payments (Still Coming This Week & Next):
    • If your birthday falls between the 1st and 10th of any month, your Social Security payment is scheduled for Wednesday, June 11, 2025. This means many beneficiaries will see their funds hit their accounts this week!
    • If your birthday falls between the 11th and 20th of any month, your payment is scheduled for Wednesday, June 18, 2025.
    • If your birthday falls between the 21st and 31st of any month, your payment is scheduled for Wednesday, June 25, 2025.

Why June’s Payments Are Making Headlines

Beyond the standard schedule, June 2025 is a notable month for Social Security recipients for a few key reasons:

  • Record High Average Payments: For the first time in the program’s history, the average monthly retirement benefit is expected to exceed $2,000. This is largely due to the 2.5% Cost-of-Living Adjustment (COLA) that took effect in January 2025, providing a significant boost to millions of Americans. While these increases started earlier in the year, June is a peak month where the full impact is widely observed.
  • SSI Early Payment Clarification: The early SSI payment on May 30th has caused some confusion for recipients expecting a June deposit. It’s important to remember this was a standard scheduling adjustment, not a missing payment. You’ve already received your June funds.
  • Social Security Fairness Act Payments: The SSA continues to process over 2.5 million retroactive payments and benefit adjustments related to the Social Security Fairness Act, signed into law in January 2025. This act eliminates the Windfall Elimination Provision (WEP) and Government Pension Offset (GPO), benefiting millions of public sector retirees who were previously locked out of full Social Security benefits. While many received one-time retroactive payments by the end of March 2025 and saw monthly increases starting in April, complex cases are still being processed. The SSA aims to update all beneficiary records by November 2025. If you believe you are affected and haven’t seen your payments, check your my Social Security account or contact the SSA.

What to Do If Your Payment is Delayed or Missing

While the SSA aims for timely electronic payments (99% of beneficiaries are paid this way!), delays can happen. If your payment doesn’t arrive on the expected date:

  1. Wait 3 additional mailing days: The SSA recommends waiting a few extra business days before contacting them.
  2. Check your my Social Security account: This online portal provides real-time information about your benefits and payment status.
  3. Contact the SSA: If after three days your payment still hasn’t arrived, call the Social Security Administration directly at 1-800-772-1213 (TTY 1-800-325-0778) from 8 a.m. to 7 p.m. local time, Monday through Friday.

Looking Ahead: COLA and Future Payments

While June is seeing robust payments, future Cost-of-Living Adjustments (COLAs) will depend on inflation trends. Early projections for the 2026 COLA suggest it could be under 3%, reflecting a cooling inflation environment. Staying informed about these projections can help you plan your finances effectively.

Knowing the ins and outs of Social Security payment schedules and the broader financial landscape is crucial for millions of Americans who rely on these benefits. Stay informed, stay vigilant, and ensure you’re always aware of when your important payments are coming.

Get a no obligation rate quote