Wondering when your Social Security payment is coming! If your birthday is early in the month, your check could hit your bank account this week — as early as Wednesday, July 9. Millions of retirees and disability recipients across the country are set to receive their benefits, but only certain people qualify for this week’s payout. Here’s how to find out if you’re one of them — and what to do if your check doesn’t show up on time.
Why July 9 Is Key for Social Security Recipients
Social Security doesn’t pay everyone at once — instead, benefits are paid on different Wednesdays of each month, based on your birth date. This method helps the Social Security Administration (SSA) stagger payments and reduce processing overloads.
If your birthday falls between the 1st and the 10th of any month, you’re on the second Wednesday payment schedule. That means your July check will be deposited on Wednesday, July 9, 2025.
This applies to:
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Social Security retirement benefits
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Social Security Disability Insurance (SSDI)
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Survivor benefits
If you receive Supplemental Security Income (SSI), your check was already paid on Tuesday, July 1.
So, if your birthday falls within that 1st–10th window, you should check your bank account on the morning of July 9.
What Time Will the Money Arrive?
Most direct deposits land by 9 a.m. local time, though the exact time depends on your bank or credit union. Some recipients see the funds even earlier, while others might need to wait until the afternoon.
Still waiting by Friday? Follow these steps:
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Log in to your My Social Security account at ssa.gov/myaccount to check your payment status
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Call your bank to ask about pending deposits
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Contact the Social Security Administration at 1-800-772-1213
Also, check that your direct deposit info is up to date — outdated banking details are a common reason for delayed payments.
Full July 2025 Social Security Payment Schedule
Here’s when everyone else gets paid this month:
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Wednesday, July 9: For birthdays 1st–10th
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Wednesday, July 16: For birthdays 11th–20th
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Wednesday, July 23: For birthdays 21st–31st
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Tuesday, July 1: For SSI recipients
Keep in mind: this schedule stays the same every month, just shifted by dates. Always check your birthday window to know exactly when your next payment is coming.
The Bottom Line
If your birthday is between July 1 and 10, your Social Security payment is coming this week — on Wednesday, July 9. With inflation still high and household costs rising, many recipients are relying on these checks more than ever.
Whether you’re collecting retirement, disability, or survivor benefits, knowing your payment date helps you plan ahead, avoid surprises, and stay in control of your budget.
