With July here, you may be expecting news of a fourth federal stimulus check—but that won’t be happening. Still, millions of Americans will receive important July 2025 payments like Social Security, SSI, IRS refunds, and state relief programs. Here’s a full breakdown of what to expect this month and how to track your payments.
Will There Be a Fourth Stimulus Check?
Simply put: no. There’s no approval for a fourth round of Economic Impact Payments. The IRS confirmed the previous three rounds (2020–2021) are final, and the Recovery Rebate Credit deadline expired in April 2025. Any money appearing now is for adjustments to earlier payments—not new stimulus checks.
What Payments Are Happening in July 2025
1. Supplemental Security Income (SSI)
- Payment Date: July 1, 2025 (Tuesday)
- Issued monthly to seniors, disabled adults, and eligible children
- No 4th of July delay—because July 1 isn’t a holiday
2. Social Security (Retirement, Disability, Survivor)
- Paid Wednesdays, based on birth date:
| Birth Date | Payment Date |
|---|---|
| 1–10 | July 9, 2025 (2nd Wed) |
| 11–20 | July 16, 2025 |
| 21–31 | July 23, 2025 |
If you began receiving benefits before May 1997, you get paid on July 3 instead.
3. IRS Tax Refunds
- For returns filed May 16–31, 2025, expect refunds July 11–25
- Direct deposit may arrive sooner; mailed checks take longer
4. State-Level Stimulus and Rebate Programs
- Some states offer July relief; examples include:
- New York: Inflation rebate ranging from emerging between $150–$400
- California: Energy/utility relief checks up to $725
- Colorado: TABOR refunds of $800–$1,600
- Pennsylvania: Expanded Property Tax/Rent rebate
- Arizona: Child/family rebate per dependent
Check your state’s Department of Revenue or stimulus portal for specifics.
July 2025 Payment Overview
| Payment Type | Who Gets It | Date(s) |
|---|---|---|
| SSI | Seniors, disabled, and eligible children | July 1, 2025 |
| Social Security | Retirees, SSDI, survivors | July 9, 16, 23 |
| Pre-1997 SS recipients | Early beneficiaries | July 3, 2025 |
| IRS Refunds | Tax returns filed May 16–31, 2025 | July 11–25 |
| State Rebates | Varies by state programs | July (varies) |
How to Track Your July Payments
- Check your IRS “Where’s My Refund?” if awaiting a refund.
- Use your bank’s or SSA’s portal for SSI and Social Security alerts.
- Contact your state’s revenue department website for info on state payments.
- Watch your mail/email—agencies often send pre-payment notifications.
Watch Out for Scams
- No agency will call or text demanding personal info or fees
- Never pay to receive a stimulus refund—payments are free
- Only trust official portals: IRS.gov, SSA.gov, state’s .gov websites
While a fourth federal stimulus check won’t be arriving, July 2025 still brings essential payments for many Americans: SSI on July 1, Social Security across three Wednesdays, IRS refunds mid-to-late month, and potential state relief checks.
Stay informed by tracking your payments via official sites, confirming your tax filings and banking info, and watching for direct deposit alerts or mailed notices. With the full schedule now unveiled, you can plan ahead and avoid surprises.
FAQs
Will I get a new federal stimulus check in July 2025?
No. The three COVID-era rounds concluded years ago, and no fourth check has been approved.
When will Social Security arrive this month?
It depends on your birth date:
- 1–10: July 9
- 11–20: July 16
- 21–31: July 23
If enrolled before May 1997, you get funds on July 3.
How can I check if I received my IRS refund?
Use the IRS “Where’s My Refund?” tool, or log in to IRS online account to view payments and dates.