Direct Deposit for Individuals: Receive CRA Payments Faster
Direct deposit is the fastest, safest, and most reliable way for individuals to receive payments from the Canada Revenue Agency (CRA). When you enroll in direct deposit, CRA sends your tax refunds, benefits, and credits directly into your bank account, eliminating delays and the risk of lost or stolen cheques.
What Payments Are Issued by Direct Deposit?
Once registered, individuals may receive the following payments by direct deposit:
- Income tax refunds
- GST/HST credit payments
- Canada Child Benefit (CCB)
- Canada Workers Benefit (CWB)
- Climate action incentive and other CRA-administered benefits
Benefits of Using Direct Deposit
- Faster access to your money
- Increased security compared to mailed cheques
- No need to cash or deposit paper cheques
- Automatic and reliable payments
How to Sign Up for Direct Deposit
Individuals can enroll in or update direct deposit information using several methods:
- Through CRA My Account
- Using online or in-branch banking services
- By submitting a completed direct deposit form by mail
Keeping Your Banking Information Up to Date
If you change banks or account numbers, it is important to update your direct deposit details as soon as possible. Outdated information can delay payments and may result in CRA issuing a paper cheque instead.
Security and Privacy
CRA uses secure systems to protect your banking information. You should only provide direct deposit details through official CRA services or your financial institution and never share this information with unknown callers or emails.
Need Help Setting Up Direct Deposit?
If you are unable to register online, a tax professional or free tax clinic may be able to assist you. Setting up direct deposit ensures you receive CRA payments quickly and securely.
Missing Benefit Payment?
If you have not received your direct deposit payment and 10 business days have passed since the payment date of your benefit or credit, contact the CRA at 1-800-959-8281.
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