$3,089 Social Security Checks Hit in June — Couples, Check Your Bank Account Now

If you and your spouse both receive Social Security benefits, there’s a good chance you’ll see a direct deposit of around $3,089 this June. That’s not a bonus or extra payout — it’s part of the regular monthly Social Security benefit, updated for inflation this year.

It’s always good to understand where these numbers come from, how much you should be getting, and when it’s actually going to show up in your account. So let’s break it down in plain English.

Why the Number Jumped to $3,089

At the start of 2025, the Social Security Administration gave all beneficiaries a 2.5% cost-of-living adjustment (COLA). This helps retirees keep up with rising prices on things like food, gas, rent, and medical care.

Because of that:

• The average monthly benefit for one retired worker is now about $1,976

• For couples who both receive benefits, the combined average is about $3,089

This number reflects what most retired couples are seeing, but your actual amount can be higher or lower depending on how much you earned during your career and when you started collecting benefits.

Who Actually Gets $3,089?

This number applies to couples where both spouses are collecting Social Security. Your own payment and your spouse’s are calculated separately, but they add up to an average of $3,089 a month for most retired couples.

Here’s how it might vary:

• If you delayed claiming your benefits until age 70 or earned a higher income during your working years, you could be getting more than average.

• If one of you started collecting early or earned less, you might be below that number.

Either way, this amount is a useful benchmark for what many couples across the country are seeing right now.

When Will Payments Be Sent in June?

Your payment date depends on when your (or your spouse’s) birthday falls:

• June 3: If you started receiving Social Security before May 1997

• June 11: Birthdays from the 1st to the 10th

• June 18: Birthdays from the 11th to the 20th

• June 25: Birthdays from the 21st to the end of the month

If you receive SSI benefits, that payment went out on May 31 since June 1 landed on a weekend.

Direct deposits usually arrive right on time, but mailed checks may take a few extra days.

What to Do If Your Payment Looks Off

If your payment seems smaller than expected — or doesn’t show up at all — here are a few things to check:

1. Log in to your My Social Security account to see your benefit details.

2. See if any deductions were made — like Medicare premiums, which are often taken out automatically.

3. If your payment is completely missing, wait at least three business days after your scheduled date before contacting Social Security at 1-800-772-1213.

Sometimes a delay just means processing is running late. But it’s always worth checking if something feels off.

Can You Receive More Than $3,089?

Yes. Some individuals can receive much more — especially if they:

• Delayed their retirement until age 70

• Had high lifetime earnings

• Are receiving spousal or survivor benefits in addition to their own

As of 2025, the maximum possible monthly benefit for someone retiring at age 70 is $5,108. That’s not common, but it does happen for some.

Why This Payment Matters

Even though this isn’t a new program or a surprise boost, this $3,089 average reflects how Social Security is trying to keep up with inflation. When everything costs more — from rent to groceries — even small increases in your monthly check can go a long way.

It’s also a good reminder to:

• Keep track of your benefits through your My Social Security account

• Make sure your direct deposit info is up to date

• Check your tax withholding or Medicare deductions if your net amount seems off

If you and your spouse are both receiving Social Security, you should expect to see around $3,089 hit your account this month, give or take based on your personal history. This is part of the monthly benefits you’ve worked for — and rightfully earned.

And if you’re not seeing what you expected, don’t ignore it. A quick check online or a phone call to the SSA can clear things up fast.

Need help understanding your Social Security statement or planning your benefits? I’m here to help break it down, anytime.