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
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