CRA $2,600 Direct Deposit in June 2025 – How to Claim It, Eligibility Criteria, and Payment Dates

If you’ve seen news about a $2,600 direct deposit from the CRA in June 2025, you might be wondering what it’s all about. Here’s the scoop—this isn’t a one-time government payout. Instead, it’s the combined value of several recurring federal and provincial benefits that eligible Canadians—especially low-income seniors—might receive in June. We’ll break down how this total adds up, who qualifies, and how to make sure you’re getting every dollar you’re entitled to.

Breakdown

The $2,600 isn’t a standalone cheque from the government. It’s the sum of multiple monthly payments, mainly from the Canada Pension Plan (CPP), Old Age Security (OAS), and the Guaranteed Income Supplement (GIS). If you’re eligible for all three, your total monthly income can easily reach or exceed $2,600.

Here’s a clear snapshot of the major programs contributing to this total:

Meaning

The so-called “$2,600 CRA Payment” is really a combination of various benefits. A senior aged 75+ could receive:

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• CPP: Up to $1,433
• OAS: Up to $800.44
• GIS: Up to $1,086.88

That adds up to over $3,300 a month. However, the average amount received usually falls in the $2,100–$2,600 range depending on personal factors like income and past contributions. Families may also hit this number by combining federal child and provincial benefits.

Eligibility

Let’s unpack who qualifies for these key programs:

CPP

If you’ve worked in Canada and contributed to the Canada Pension Plan, you’re eligible from age 60 onward. Starting early means lower monthly payments, but delaying until age 70 boosts your payout by up to 42%.

OAS

You’ll need to be 65 or older and have lived in Canada for at least 10 years after age 18. Most people are auto-enrolled, but if you’re not, you can apply. If your 2025 income is over $90,997, your OAS amount may be reduced due to the clawback.

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GIS

This supplement is for low-income seniors already getting OAS. It’s non-taxable and can add over $1,000 to your monthly income. The 2025 eligibility thresholds are:

Schedule

Here are the June 2025 CRA benefit payment dates:

Deposit

Direct deposit is the fastest, most secure way to get your CRA payments. Here’s how to set it up:

CRA My Account

• Go to CRA My Account online.
• Log in or register.
• Click “Profile,” then “Direct Deposit.”
• Add your banking info.

Through Your Bank

• Log into your bank’s website.
• Look under government services or payments.
• Select “CRA Direct Deposit” and enter your account details.

Paper Application

• Download and print the CRA direct deposit form.
• Fill it out.
• Mail it back to the CRA (processing takes 6–12 weeks).

Note: As of March 24, 2025, phone and EFILE enrollment for direct deposit are no longer accepted.

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Reductions

Not everyone will get the full $2,600. Here’s what could lower your benefits:

• Income above the GIS or OAS thresholds
• Incomplete CPP contributions
• Late tax filing
• Wrong or outdated banking info

Tips

Here’s how to make sure you get your full benefits:

• File taxes on time—many CRA benefits depend on your return.
• Delay CPP to increase your monthly amount.
• Watch for age milestones—OAS increases at age 75.
• Don’t miss applying for GIS if you’re eligible.

Every little bit helps when you’re on a fixed income, and knowing the ins and outs of these benefits can really pay off. Whether you’re planning your own retirement or helping a loved one, this knowledge is essential for maximizing your financial well-being.

FAQs