Social Security payment schedule for June 2025
Social Security payments in June 2025 follow a fixed schedule based on your birth date, not on when you file or how much you receive. The Social Security Administration (SSA) divides beneficiaries into three payment groups, and each group receives deposits on a specific Wednesday of the month. If a Wednesday falls on a federal holiday, SSA moves the payment to the Tuesday before.
For June 2025, payments arrive on three dates: June 11, June 18, and June 25. Your payment date depends solely on the day of the month you were born. This schedule has remained consistent since 1997 and does not change year to year, so once you know your payment date, you can expect the same date every month.
Payments are deposited directly into your bank account, prepaid debit card, or other financial institution you registered with SSA. If you have not set up direct deposit, you will receive a paper check by mail, which typically arrives a few days after the electronic payment date.
Key Takeaways
- Your June 2025 payment date is determined by your birth date and falls on June 11, June 18, or June 25.
- Beneficiaries born on the 1st through 10th of any month receive payments on the second Wednesday (June 11).
- Beneficiaries born on the 11th through 20th receive payments on the third Wednesday (June 18).
- Beneficiaries born on the 21st through 31st receive payments on the fourth Wednesday (June 25).
- Direct deposit is the fastest and most reliable way to receive your payment; paper checks take several additional days.
How to find your specific payment date
Your payment date is based on your birth date and does not change. If you already receive Social Security, your June 2025 payment will arrive on the same date you receive payments every other month. You can confirm your payment date by logging into your my Social Security account at ssa.gov, calling the Social Security helpline at 1-800-772-1213, or visiting a local Social Security office.
When you log into my Social Security, go to the "Payment History" section. The most recent payment listed will show the date you received it; future payments follow the same schedule. If you have not created an account, you will need your Social Security number, date of birth, and an email address to set one up.
If you receive Supplemental Security Income (SSI) in addition to Social Security, your SSI payment may arrive on a different date. SSI payments are typically made on the first of each month, separate from your Social Security deposit.
Direct deposit versus paper checks
Direct deposit is faster and more secure than paper checks. When you receive a direct deposit, the money reaches your account on the payment date itself—June 11, 18, or 25. Paper checks are mailed on the payment date but take three to five business days to arrive, meaning you may not have access to the funds until the following week.
To set up or change your direct deposit information, log into my Social Security, call 1-800-772-1213, or visit a local Social Security office in person. You will need your bank routing number and account number, which you can find on a blank check or by contacting your bank. If you use a prepaid debit card instead of a bank account, you can provide that card's routing and account information in the same way.
If you currently receive paper checks and want to switch to direct deposit, the change takes effect the following month. For example, if you request direct deposit in early June, your June payment will still arrive by check, but your July payment will be deposited directly.
What to do if your June payment is late or missing
If your payment does not arrive by the end of the business day on your scheduled payment date, first check your bank account to confirm it has not posted yet. Banks sometimes show deposits with a one-day delay, even though SSA sent the money on time. Wait until the next business day before taking action.
If your payment is still missing after one business day, contact SSA immediately at 1-800-772-1213. Have your Social Security number and bank account information ready. SSA can confirm whether the payment was sent and, if it was, can work with your bank to locate it. If the payment was not sent, SSA can investigate why and issue a replacement.
If you receive paper checks, allow five to seven business days from your payment date before reporting it missing. Mail delays are common, and the check may still arrive. If it does not arrive within that window, contact SSA to report it and request a replacement check or a direct deposit setup.
Changes to your payment amount in June 2025
Your Social Security payment amount can change for several reasons: a cost-of-living adjustment (COLA), a change in your work record, a change in your family situation, or a change in your other income. SSA sends a notice before any change takes effect, explaining why your payment is different.
If you received a notice of a payment change in May or early June, your June payment will reflect that change. If you did not receive a notice but your payment is different than expected, contact SSA to ask why. Do not assume the change is an error—it may be a COLA adjustment or a correction to your record that SSA processed without sending a separate letter.
If you believe the change is incorrect, you can request a detailed explanation from SSA. Call 1-800-772-1213 or log into my Social Security to view your payment history and any recent notices.
Taxes and your June Social Security payment
Social Security payments themselves are not taxed by SSA, but depending on your total income, a portion of your benefits may be subject to federal income tax. This is determined by your "combined income," which includes your Social Security benefits, wages, self-employment income, and certain other income sources.
If you owe taxes on your Social Security benefits, you are responsible for paying them through quarterly estimated tax payments or by having taxes withheld from your Social Security check. To request tax withholding, complete Form W-4V and submit it to SSA. You can download the form from ssa.gov or request it by calling 1-800-772-1213.
Your June payment amount will not change based on taxes owed. Instead, if you have requested withholding, SSA will reduce your payment by the amount you specified on Form W-4V, starting the following month.
Frequently Asked Questions
What if my birthday is on June 11, 18, or 25—do I get paid on that day?
No. Your payment date is based on your birth date (the day of the month), not the specific date. If you were born on the 11th, you receive payments on the third Wednesday of each month, which is June 18 in 2025. The actual calendar date does not matter.
Can I change my payment date if I need the money earlier?
No. SSA does not allow beneficiaries to change their payment date. The schedule is fixed based on your birth date. However, if you have a financial emergency, you may be able to borrow against your benefits through certain lenders, though this is not recommended due to high interest rates.
Will my June payment be different because of the 2025 cost-of-living adjustment?
The 2025 COLA was announced in October 2024 and took effect in January 2025, so your June payment already reflects any COLA increase. Your payment will not change again until January 2026, unless your work record, family situation, or other circumstances change.
What if I'm traveling outside the United States in June—will I still get paid?
Yes, if you have direct deposit set up, your payment will be deposited to your account regardless of where you are. If you receive paper checks, you should arrange for mail forwarding or have someone collect your checks. Some countries restrict Social Security payments to U.S. residents, so contact SSA before traveling long-term.
Do I need to do anything to receive my June payment?
No. If you are already receiving Social Security, your June payment will arrive automatically on your scheduled date. You do not need to take any action unless you want to update your direct deposit information or report a missing payment.