Direct deposit - Canada Revenue Agency
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If you call us to update your address or direct deposit information, an agent can help you make these changes through a secure online channel such as My Account.
Don't miss a payment!
Use direct deposit to get your payments. It is fast, convenient and secure. Register today to get your payments on time in the event of an emergency or unforeseen circumstances!
For more information and to find out how to update your account, please visit our Frequently asked questions about direct deposit.
Individuals
If you receive one of the following payments from the CRA and have a Canadian bank account, you can sign up for direct deposit:
- income tax refund
- goods and services tax/harmonized sales tax credit and any similar provincial and territorial payments
- Canada child benefit and any similar provincial and territorial payments
- Canada workers benefit
- deemed overpayment of tax
- Canada Recovery Sickness Benefit, Canada Recovery Benefit, Canada Recovery Caregiving Benefit
Note
If you have already signed up for direct deposit with the CRA, we will use the existing bank account information for any payments you are entitled to receive.
If you have enrolled for direct deposit for the first time, you may still receive your next refund or benefit payment by cheque.
Ways to sign up for direct deposit or update your account information
Through financial institutions
You can sign up for direct deposit or change your account information through many Canadian financial institutions; banks, credit unions, trust companies.
Choose your financial institution
Banks (individuals)
- Alterna Bank Alterna Savings and Credit Union Limited Alterna Savings
- ATB Financial Alberta Treasury Branches
- B2B Bank
- BlueShore Financial
- BMO Bank of Montreal
- Canadian Western Bank CWB Financial Group
- CIBC Canadian Imperial Bank of Commerce
- DCBank
- First Nations Bank
- First West Credit Union
- HSBCHSBC Bank Canada
- ICICI Bank Canada
- KEB Hana Bank Canada
- KOHO Financial
- Laurentian Bank Laurentian Bank of Canada LBC
- LBC Digital Laurentian Bank of Canada
- Motive Financial
- motusbank
- National Bank National Bank of Canada
- NEO Financial
- RBC Royal Bank of Canada
- Scotiabank Bank of Nova Scotia
- Simplii Financial
- STACK
- Tangerine
- TD Canada Trust Toronto-Dominion Bank TD Bank
- We Financial
Credit unions and trust companies (individuals)
- 1st Choice Savings and Credit Union Ltd.
- ABCU Alberta's Credit Union
- Accent Credit Union
- Access Credit Union
- Advance Savings Credit Union
- Affinity Credit Union
- Alterna Savings Alterna Savings and Credit Union Limited Alterna Bank
- Assiniboine Credit Union
- Atlantic Edge Credit Union (Formerly Eagle River CU)
- Atlantic Edge Credit Union (Formerly Leading Edge CU)
- Bayview Credit Union
- Beaubear Credit Union
- Bengough Credit Union
- Biggar & District Credit Union
- Bow Valley Credit Union
- Bruno Savings and Credit Union
- Bulkley Valley Credit Union
- Caisse Populaire de Clare
- Cambrian Credit Union
- Cape Breton Credit Union
- Carpathia Credit Union
- Christian Credit Union
- Churchbridge Credit Union
- Coastal Community Credit Union
- Coastal Financial Credit Union
- Coast Capital Savings Federal Credit Union
- Columbia Valley Credit Union
- Community Credit Union
- Community Credit Union of Cumberland Colchester
- Community Savings Credit Union
- Compass Credit Union Limited
- Conexus Credit Union
- Connect First Credit Union
- Consolidated Credit Union
- Copperfin Credit Union Limited
- Cornerstone Credit Union Financial Group Limited
- Credit Union Atlantic
- Creston & District CU
- Crossroads Credit Union
- Crosstown Civic Credit Union
- CTBC Bank Corporation
- Cypress Credit Union
- Desjardins
- Diamond North Credit Union
- Dodsland Credit Union
- DUCA Financial Services Credit Union
- East Coast Credit Union
- Eastern Edge Credit Union
- Edam Credit Union
- Education Credit Union
- Encompass Credit Union
- Entegra Credit Union
- Envision Financial
- First Credit Union
- First Ontario Credit Union
- Flin Flon Credit Union
- Frontline Financial Credit Union Limited
- Fusion Credit Union
- Gulf & Fraser
- Ganaraska Credit Union
- Glace Bay Central Credit Union
- Greater Vancouver Community Credit Union
- Hamilton Sound Credit Union
- IC Savings
- Innovation Federal Credit Union
- iNova Credit Union
- Integris Credit Union
- Interior Savings Credit Union
- Island Savings
- Kawartha Credit Union
- Kindred Credit Union
- Kingston Community Credit Union
- Khalsa Credit Union
- Kootenay Savings Credit Union
- Ladysmith & District Credit Union
- Lake View Credit Union
- Lakeland Credit Union
- LeRoy Credit Union
- Libro Credit Union
- Luminus Financial Services & Credit Union
- Luseland Credit Union
- Mainstreet Credit Union
- Me-Dian Credit Union
- Meridian Credit Union
- Momentum Credit Union
- Morell Credit Union Ltd
- Motor City Community Credit Union Limited
- NBTA Credit Union
- Nelson & District Credit Union
- New Ross Credit Union
- New Waterford Credit Union
- Newfoundland and Labrador Credit Union
- Niverville Credit Union
- North Sydney Credit Union
- Northern Birch Credit Union
- Northern Credit Union
- Northern Savings Credit Union
- Omista Credit Union
- Ontario Provincial Police Association Credit Union Limited
- Oshawa Community Credit Union Limited
- Osoyoos Credit Union
- Outlook Financial
- Pathwise Credit Union Limited
- Peace Hills Trust Company
- Peoples Trust
- PenFinancial Credit Union
- Pincher Creek Credit Union
- Plainsview Credit Union
- Prairie Centre Credit Union
- Progressive Credit Union
- Prospera Credit Union
- Provincial Credit Union
- Provincial Credit Union (Formally Évangéline-Central)
- Provincial Credit Union (Formally Malpeque Bay)
- Provincial Credit Union (Formally Tignish)
- Provincial Government Employees Credit Union
- Public Service Credit Union
- Radius Credit Union
- Rapport Credit Union
- Raymore Credit Union
- Reddy Kilowatt Credit Union
- Resurrection Credit Union
- Revelstoke Credit Union
- Rockglen-Kildeer Credit Union
- Rosenort Credit Union
- Salmon Arm Savings and Credit Union
- Sandhills Credit Union
- Servus Credit Union
- Spark the Energy Credit Union
- Souris Credit Union
- Southwest Regional Credit Union
- Steinbach Credit Union
- StellerVista Credit Union
- Stoughton Credit Union
- Stride Credit Union
- St. Joseph's Credit Union
- St. Stanislaus - St. Casimir's Polish Parishes Credit Union Limited
- Sudbury Credit Union
- Summerland & District Credit Union
- Sunova Credit Union
- Sunrise Credit Union
- Sunshine Coast Credit Union
- Sydney Credit Union
- Tandia Financial Credit Union
- TCU Financial
- Teachers Plus Credit Union
- The Credit Union
- The Energy Credit Union Limited
- Turtleford Credit Union
- Ukrainian Credit Union
- UNI Financial Cooperation
- Unity Credit Union
- Valley Credit Union
- Valley First
- Vancity
- VantageOne Credit Union
- Venture Credit Union
- Vermillion Credit Union
- Victory Credit Union
- Vision Credit Union
- Westoba Credit Union
- Weyburn Credit Union Limited
- WFCU Credit Union
- Williams Lake and District Credit Union
- Winnipeg Police Credit Union
- Your Credit Union Limited
- Your Neighbourhood Credit Union Limited
Once you provide consent through one of these financial institutions, your CRA direct deposit information will be updated the following business day. We encourage you to visit your financial institution’s website for information on how to sign up.
Online - My Account Portal
You can sign up yourself if you are registered for My Account. If you are not yet registered, why wait? My Account can help you quickly and easily manage your tax affairs online, including signing up for direct deposit or changing your account information.
You can also see if you have any uncashed cheques that are older than six months.
Online - mobile application
To start or update direct deposit information, use MyCRA.
By phone
To sign up for direct deposit or to change your account information, call CRA at 1-800-959-8281. You will need your:
- social insurance number
- full name and current address, including postal code
- date of birth
- most recent income tax and benefit return and information about the most recent payments you received from the Canada Revenue Agency
- banking information: three-digit financial institution number, five-digit transit number, and your account number
Note
Do not close your old bank account until your first payment has been deposited to your new bank account as it may already be in process.
Businesses
If you expect to receive at least one of the following payments for your business from the Canada Revenue Agency, you can sign up for direct deposit:
- corporation income tax refund
- goods and services tax/harmonized sales tax refund
- refund of excise tax or other levies
- refund of payroll deductions
How to sign up
Online
As a business owner you can start or update a direct deposit online.
To complete your direct deposit application or to manage your direct deposit information, log in or register for:
New Sign up through financial institutions
The CRA may contact you by phone to confirm information. If you have questions about a call you receive, you may read more about how to recognize scams.
You can now sign up for direct deposit for certain business accounts or change your account information through your financial institution. To be eligible to enroll for CRA direct deposit for businesses, your business must have a valid 15 digit business number and one of the following CRA program accounts:
- RT – Goods and Services Tax/Harmonized Sales Tax
- RP – Payroll
- RC – Corporate Income Tax
- ZA - Canada Emergency Rent Subsidy (CERS)
* Note: You will need to sign up your Canada Emergency Rent Subsidy account (ZA) to receive the CERS by direct deposit.
Choose your financial institution
Banks (businesses)
- ATB Financial
- BMO Online Banking Bank of Montreal or BMO Online Banking for Business Bank of Montreal
- Canadian Western Bank CWB Financial Group
- CIBC online banking Canadian Imperial Bank of Commerce or CIBC Cash Management Online Canadian Imperial Bank of Commerce
- First Nations Bank
- First West Credit Union
- HSBC HSBC Bank Canada
- ICICI Bank Canada
- KEB Hana Bank Canada
- Laurentian Bank (coming soon)
- RBC Royal Bank of Canada
- Scotiabank Bank of Nova Scotia
- TD Canada Trust Toronto-Dominion Bank TD Bank
Credit unions and trust companies (businesses)
- Access Credit Union
- Assiniboine Credit Union
- BlueShore Financial Credit Union
- Christian Credit Union
- Coastal Community Credit Union (CCCU)
- Coast Capital Savings Federal Credit Union
- Conexus Credit Union
- Connect First Credit Union
- Cornerstone Credit Union
- Desjardins
- East Kootenay Community Credit Union
- G&F (Gulf & Fraser Fishermen’s ) CU
- Innovation Credit Union
- Kawartha Credit Union
- Kindred Credit Union Limited
- Kingston Community Credit Union
- Libro Credit Union
- Niverville Credit Union
- Northern Credit Union
- Oshawa Community Credit Union
- Osoyoos Credit Union
- Peace Hills Trust
- Prospera Credit Union
- Prairie Centre Credit Union
- Raymore Credit Union
- Steinbach Credit Union
- Sudbury Credit Union
- Sunshine Coast Credit Union
- TCU Financial Group
- UNI Financial Cooperation
- Vancity
- Vision Credit Union
- WFCU Credit Union
- Williams Lake and District Credit Union
Trusts
If you are the trustee, custodian, executor, or other type of legal representative for a trust, you can start or change direct deposit information. The name on the bank account must match the name of the trust.
How to sign up
By mail
- Fill out Form T3-DD, Direct Deposit Request for T3.
- Mail the completed form to the address on the form.
For more information about direct deposit for trusts, call 1-800-959-8281.
Non-residents
To start direct deposit or to change your banking information related to direct deposit the following must apply:
- you are a Canadian payer or agent
- your non-resident tax account has three alpha characters starting with NR followed by six digits
- your Canadian bank account is registered in Canada
- the name on your Canadian bank account matches the name on your non-resident tax account
- you are a non-resident and you receive your refunds and benefits by cheque:
- Certain countries no longer accept cheques. To find out if your country accepts cheques (payments and benefits from the Canada Revenue Agency CRA)) go to Direct deposit for individuals with a foreign bank account - Direct deposit - Receiver General for Canada - PSPC - ca-ciconline.com (tpsgc-pwgsc.gc.ca).
If you are a non-resident of Canada filing a Form NR7-R, Application for Refund of Part XIII Tax Withheld, you can ask the Canada Revenue Agency to deposit your refund directly into your bank account at a Canadian financial institution. The name on the bank account must match the name of the applicant or the authorized person who signs the certification section on Form NR7-R.
How to sign up
By mail
Non-resident account holder
- Fill out Form NR304, Direct Deposit Request for Non-Resident Account Holders and NR7-R Refund Applicants.
- Mail the completed form to the address on the form.
NR7R refund applicant
- Fill out Form NR304, Direct Deposit Request for Non-Resident Account Holders and NR7-R Refund Applicants.
- Attach the completed NR304 to the Form NR7-R, Application for Refund of Part XIII Tax Withheld refund application.
- Mail the completed forms to the address on the forms.
For more information about direct deposit for non-resident account holders and NR7-R refund applicants, call 1-855-284-5946.
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