Millions of Americans could see a little boost in their bank accounts this July—some up to $500—thanks to a mix of state and federal programs. If you have children, receive benefits, or live in one of the participating states, there is a good chance you might qualify. Let’s break down what payments are coming, who is getting them, and how you can check if you are one of the lucky ones this month.
What is the SUN Bucks program and who can get it?
This is a summer food assistance benefit, officially called Summer EBT, but many people know it as SUN Bucks. It is designed to help families with school-aged kids buy groceries during the summer months when school meals are not available.
You may be eligible if:
- Your child got free or reduced-price lunch during the 2024–2025 school year
- Your state has joined the program (over 30 states are participating)
Payment amount: $120 per eligible child
Deposit window: July 5 to July 20 (depending on your state)
To find out if you qualify, contact your child’s school or visit your state’s Department of Human Services website. Some families started getting their benefits in June, but many are still receiving them this July.
What states are sending out Child Tax Credit payments?
While the federal Child Tax Credit is still a yearly lump sum, a few states have taken steps to split this benefit into monthly payments. If you live in states like California, New York, or Colorado, you may see extra money this month if you are enrolled in their advance payment programs.
Payment range: $250 to $350 per child
When to expect it: Around July 15 to July 20
If you do not see anything in your account, double-check your IRS online profile or contact your state tax department. Make sure your information is current and that you filed your 2024 taxes correctly.
What other states are sending one-time or extra payments?
In addition to SUN Bucks and tax credits, some states are offering special refunds or direct deposits to help with inflation and high energy costs.
Here are a few examples:
- Minnesota – Up to $500 refund for low- and middle-income earners
- New Mexico – Payments between $250 and $500 for eligible households
- Maine – Heating and energy relief payments extended into the summer
If you live in one of these states and have not gotten anything yet, go to your state’s official government website and check their payment schedule or benefit portal.
What if you are not seeing any money?
Do not panic. It does not always mean you are ineligible. Many benefits are automatic, but others require you to apply or update your records. Here are some helpful things you can do right now:
- Check your bank account — Some deposits might show up without clear labels
- Look out for physical mail — SUN Bucks cards often come by post
- Visit official websites — IRS.gov, SSA.gov, and your state’s portal can confirm eligibility
- Talk to your child’s school or a local social worker — They often know about local programs you might miss
Also, July is a common month when states open applications for fall benefits like LIHEAP (for heating/cooling assistance) or food and housing help. So even if you do not receive anything now, this is a good time to prepare and apply.
