How to Check if the CRA Owes You Money: Unclaimed Cheque Guide
Official Steps to Locate and Claim Outstanding Government Payments
As of 2026, the Canada Revenue Agency (CRA) holds over 10.7 million uncashed cheques, totaling more than $1.87 billion in unclaimed funds. These payments, which include tax refunds, GST/HST credits, and various government benefit cheques, do not expire. If you believe you have missed a payment, you can reclaim it by following these official procedures.
Quick Reference: CRA Unclaimed Funds Overview
| Feature | Details |
|---|---|
| Total Unclaimed Amount | Over $1.87 Billion |
| Estimated Avg. Cheque Value | Approx. $175 |
| Cheque Expiry Date | Government cheques do not expire |
| Primary Claim Method | CRA My Account (Online) |
| Secondary Claim Method | CRA Individual Enquiries Line |
How to Check and Claim Your Missing Payments
Follow these four steps to determine if the government is holding funds in your name.
1. Check via CRA My Account
The fastest and most efficient way to verify uncashed cheques is through your CRA My Account.
- Log in to the portal.
- Navigate to the “Overview” page or the “Accounts and Payments” section.
- Look for the “Uncashed cheques” link. This tool displays personal cheques that are more than six months old.
2. Contact the CRA Directly
If you do not have an online account, or if you are searching for business/trust cheques or payments newer than six months, you must call the CRA:
- Individual Enquiries Line: 1-800-959-8281.
- A representative can confirm if you have outstanding payments and provide the necessary documentation to initiate a claim.
3. Submit the Required Documentation
Once you confirm an uncashed cheque exists:
- Download Form PWGSC 535 (Undertaking and Indemnity) for each missing payment.
- Complete and sign the form by hand.
- Submit the form via the “Submit documents” feature in your CRA My Account or mail it to the designated Sudbury tax centre.
- Note: If you have outstanding tax debt, the CRA may offset the balance against your unclaimed funds.
4. Prevent Future Missing Payments
To ensure you receive all future benefits and refunds without delay:
- Enroll in Direct Deposit: This is the most secure method to receive payments directly into your bank account.
- You can set this up through your CRA My Account, your financial institution, or during the tax filing process via certified software.
Additional Read: 2026 CPP and OAS/GIS Monthly payment schedule
Suggest Reading: Canada’s FREE Dental Care Plan
Passport Canada Question:Â How to speak to a Passport Canada agent quickly
If you want to learn more about the new Canada Groceries and Essentials Benefit (CGEB), including who qualifies, how much you could receive, and when payments are issued, visit Tax Service Canada’s Canada Groceries and Essentials Benefit Guide. This comprehensive resource explains the eligibility requirements, payment amounts for individuals and families, application details for new residents, and important CRA payment dates. With the CGEB replacing the GST/HST Credit in July 2026 and providing increased support to millions of Canadians, staying informed can help ensure you receive every benefit you are entitled to.
If you receive the Guaranteed Income Supplement (GIS), now is the time to ensure your benefits continue without interruption. GIS eligibility is reviewed annually, and failing to file your income tax return or complete any required renewal steps could result in your payments being reduced or stopped starting in July 2026. Service Canada uses your most recent income information to determine your eligibility and payment amount for the 2026–2027 benefit year. To avoid delays or disruptions to your monthly GIS payments, review the renewal requirements today. Visit the GIS Renewal page for a complete guide and important updates.
Never miss an Old Age Security payment by bookmarking our dedicated 2026 OAS Payment Schedule page today. Managing your retirement budget is much easier when you know exactly when your funds will arrive in your account. By saving this link, you’ll have instant, one-click access to the most up-to-date distribution dates and any schedule adjustments throughout the year. Stay organized and gain peace of mind by keeping this essential resource right at your fingertips. Bookmark us now and ensure you’re always prepared for your upcoming monthly payments!
* * * * Most viewed topics * * * *
Canada Groceries and Essentials Benefit 2026 – Eligibility & Payment Schedule
FREE Canadian Dental Care Plan Coverage – Online Application*
Leave a Comment