CRA direct deposit is a secure service that allows the Canada Revenue Agency to send your payments directly to your Canadian bank account.
By enrolling, you receive tax refunds, benefits, and credits faster without waiting for mailed cheques.
What Payments Are Eligible for CRA Direct Deposit
When you register, you can receive the following types of payments directly to your account:
- Canada Child Benefit (CCB)
- Canada Workers Benefit (CWB)
- Goods and Services Tax/Harmonized Sales Tax (GST/HST) Credit
- Income Tax Refunds
- Ontario Trillium Benefit
- Canada Recovery Benefits (CRB, CRCB, CRSB – when available)
A full list of eligible payments is available on the official Canada Revenue Agency website.
Who Can Register for CRA Direct Deposit
To register, you must have filed at least one Canadian income tax return.
- If you have filed before: You can sign up through CRA My Account, your Canadian financial institution, or by phone.
- If you have never filed a return: You must first call 1-800-959-8281 to register your Social Insurance Number (SIN) with CRA before applying.
Non-residents, businesses, and trusts can also apply using specific CRA forms.
Why Use CRA Direct Deposit
Enrolling in direct deposit ensures that you:
- Receive payments faster than mailed cheques.
- Access funds securely in your Canadian bank account.
- Continue receiving payments on time during emergencies or postal disruptions.
How to Sign Up for CRA Direct Deposit
You can register using one of the following methods:
- Online through CRA My Account – Update your banking details directly.
- Through your Canadian bank or credit union – Most major banks offer CRA direct deposit enrollment.
- By phone – Call CRA at 1-800-959-8281.
- By mail – Submit the direct deposit form available on the CRA website.
FAQ on CRA Direct Deposit
1. What is CRA direct deposit used for?
It is used to receive tax refunds, benefit payments, and credits directly in your Canadian bank account.
2. How long does it take for CRA direct deposit to start?
Processing usually takes 5 to 10 business days after enrollment.
3. Can non-residents sign up for CRA direct deposit?
Yes. Non-residents can use specific CRA forms to register.
4. What happens if I change my bank account?
You must update your banking details online through CRA My Account or your bank to avoid payment delays.
5. Is CRA direct deposit mandatory?
No, but it is strongly recommended for faster, secure payments.
6. Can businesses use CRA direct deposit?
Yes. Businesses can receive GST/HST credits, refunds, and other payments through direct deposit.
7. What number can I call to register if I have never filed taxes?
Call 1-800-959-8281 to register your SIN with CRA before applying.
