CRA $2,600 Direct Deposit June 2025: Many Canadians are asking if a single $2,600 direct deposit from the CRA is landing in June 2025. That figure may look impressive, but it’s not a one‑time government payout. Instead, it reflects the combined total of multiple federal and provincial benefits that some low‑income seniors receive each month.
If you’ve heard mention of the CRA $2,600 Direct Deposit June 2025, here’s what you need to know: it’s the sum of regular payments like CPP, OAS, GIS, and more—not a standalone cheque. By understanding how these programs stack up, who qualifies, and when the payments arrive, you can ensure you get everything you’re owed.
CRA $2,600 Direct Deposit June 2025
The talk around the CRA $2,600 Direct Deposit June 2025 has caused some confusion, but it actually represents the total amount many eligible Canadians could receive from various monthly benefit programs. This includes payments like CPP, OAS, GIS, and others, which when combined, can total or exceed $2,600 for certain individuals or families. Understanding how these payments are calculated and when they’re issued is key to making sure you’re getting the full benefit amount available to you.
CRA $2,600 Direct Deposit June 2025 – Overview Table
| Program | Eligibility | June 2025 Payment Date | Maximum Monthly Amount |
| CPP | Age 60+, with CPP contributions | June 28, 2025 | UP TO $1,433 |
| OAS | Age 65+, 10+ years Canadian residency | June 28, 2025 | $727.67 (65–74) / $800.44 (75+) |
| GIS | Low-income seniors receiving OAS | June 28, 2025 | UP TO $1,086.88 |
| CCB | Parents of children under 18 | June 20, 2025 | Up to ~$620 monthly |
| OTB (Ontario) | Ontario residents with qualifying credits | June 9, 2025 | Varies |
Breakdown
That impressive $2,600 total simply bundles together several benefits. A senior aged 75+ who qualifies for maximum CPP, OAS, and GIS could see over $3,300 in June. Most people will end up with between $2,100 and $2,600, depending on variables like age, province, income, and family situation.
Meaning
The so-called “$2,600 CRA Payment” isn’t a new benefit—it’s the sum of existing payments. Here’s how it might add up for a low-income retiree:
- CPP: up to $1,433
- OAS: up to $800.44
- GIS: up to $1,086.88
Combined, that tops $3,300—but most seniors see totals closer to the $2,100–$2,600 range. Parents can also reach $2,600 with child benefits and provincial credits.
Eligibility
Canada Pension Plan (CPP)
Anyone who contributed to CPP during their working life qualifies from age 60. However, taking it early reduces your monthly amount. For those at the top contribution level, the maximum monthly amount in June 2025 is $1,433.
Old Age Security (OAS)
Retirees aged 65 or older with at least ten years of Canadian residency are eligible. In 2025, the standard OAS amount is $727.67 (ages 65–74) or $800.44 (75+). Seniors with incomes above roughly $91,000 may experience clawbacks.
Guaranteed Income Supplement (GIS)
For low-income seniors receiving OAS, GIS adds extra, non-taxable support. The maximum monthly GIS in 2025 is $1,086.88 for singles, and income limits are:
- Single: ≤ $22,056
- Married (both on OAS): ≤ $29,136
- Married (one on OAS): ≤ $52,848
Canada Child Benefit (CCB)
Parents of children under 18 receive CCB payments monthly. In June 2025, the payment date is June 20, with maximum rates around $7,437 per child annually.
Ontario Trillium Benefit (OTB)
OTB delivers tax credit support to Ontario residents. The June 2025 payment lands on June 9, but the exact amount varies based on income and personal circumstances.
Schedule
Here are the key CRA payment dates for June 2025:
- CPP / OAS / GIS – June 28, 2025
- Canada Child Benefit (CCB) – June 20, 2025
- Ontario Trillium Benefit (OTB) – June 9, 2025
- GST/HST Credit – Next payment on July 4, 2025
Deposit Methods
Direct deposit is fast and secure. Here’s how to ensure it’s set up properly:
CRA My Account
- Log in or register online
- Go to “Profile,” choose “Direct Deposit”
- Enter your banking info accurately
Through Your Bank
- Log into your online banking
- Look for “Government Services” → “CRA Direct Deposit”
- Provide your account information
Paper Application
- Download and complete the CRA direct deposit form
- Mail it to CRA (processing can take 6–12 weeks)
Note: Phone or EFILE enrollment is no longer accepted as of March 2025.
Reductions and Pitfalls
Not everyone will receive the full $2,600. Factors that can reduce your payments include:
- Income exceeding GIS or OAS thresholds
- Missing CPP contributions
- Late or missing tax returns
- Incorrect or outdated banking information
Tips to Maximize Your Benefit
- File taxes on time every year—CRA uses your tax return to calculate benefits.
- Delay CPP to age 65 or older to maximize your monthly payout.
- Monitor age milestones like 75+ for OAS increases.
- Apply for GIS if you’re low income and receive OAS—this supplement is automatic once eligible.
- Look into provincial benefits like Ontario’s OTB or Quebec and BC supplemental payments.
FAQs
Is there a standalone $2,600 CRA payment in June?
No. It’s the total of various benefits rolled into one.
When are CPP and OAS paid in June 2025?
They’ll be deposited on June 28, 2025.
How do I set up direct deposit?
Use CRA My Account, your online bank, or a paper form.
What can reduce my CRA benefit amount?
Higher income, few CPP contributions, late tax filing, or incorrect bank info.
Who qualifies for the GIS supplement?
Low-income seniors receiving OAS with income below the set thresholds.
Final Thought
Hearing about a CRA $2,600 Direct Deposit June 2025 sounds exciting—but it’s not a new payment. Instead, it’s the accumulated total of essential benefits that many seniors rely on. By taking the time to file taxes, register for direct deposit, and verify your eligibility, you can make sure you’re receiving everything you qualify for.
Whether it’s CPP, OAS, GIS, CCB, or OTB, each program adds important financial support. If you know someone approaching retirement or struggling with monthly bills, share this article—it could make a meaningful difference.
