Direct deposit

The Government of Canada is switching to direct deposit payments.

If you already provided your bank account information to the CRA for one or more payments, we will continue to use this bank account to deposit all payments we make to you on or after January 1, 2015. For more information, go to Frequently asked questions about direct deposit.

Why choose direct deposit payments?
  • Convenient—Faster access to your money. There is no risk of your money being held up as a result of unforeseen delivery issues.
  • Reliable—Your payment will always be on time, and your money can begin to earn interest right away.
  • Secure—Direct deposit is fast, reliable and safe. There is virtually no risk of your payment being lost, stolen or damaged.
  • Low-cost—With fewer cheques to print and mail, we are saving Canadian taxpayers' money. The cost to produce a cheque is approximately 80 cents while a direct deposit payment costs about 10 cents.
Myths vs. facts about direct deposit

Myth: I'll always be able to get a cheque from the Government of Canada and have it mailed to me.

Fact: More and more Canadians are using direct deposit. The Government of Canada is committed to using taxpayer dollars wisely and increasing the use of direct deposit. This will contribute significant savings through the reduction in the use of paper and related cheque-printing and delivery costs.

Myth: When I sign up for direct deposit and give my banking information, the Canada Revenue Agency (CRA) can also use this information to take any money I may owe from my bank account.

Fact: If you owe money to the CRA, giving your banking information will not trigger the process of withdrawing money from your bank account. When you register for direct deposit, you do not authorize the CRA to withdraw money from your bank account. When a taxpayer owes money to the CRA and must make payments, the CRA works with the taxpayer to come to an agreement. The CRA can only withdraw money from a taxpayer’s account when a garnishment is in place. A garnishment is a legal procedure to withdraw money from a bank account.

Myth: My banking information may not be safe if I sign up for direct deposit.

Fact: The CRA uses the same high levels of security that financial institutions use to protect your banking information. Go to Security for more information about security and the CRA.

Are you moving?

If you move, let us know your new address as soon as possible. Otherwise, your payments may stop, whether you receive them by cheque or direct deposit. For more information, go to How to change your address.


Only one form to fill out and you’re done! The Government will deposit all payments from different federal departments directly in your bank account.


If you are registered for My Account, you can sign up for direct deposit now. If you are not yet registered, find out how using My Account can help you quickly and easily manage your tax affairs online.

By mail

Follow these two easy steps to sign up for direct deposit:

  1. Fill out the Direct Deposit Enrolment Form.
  2. Mail it to the address indicated on the form.

By phone

To sign up for direct deposit, or change your banking information, call 1-800-959-8281.

Video: Direct deposit for individuals

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Direct deposit is a faster, more convenient, reliable, and secure way to get your refunds and rebates deposited directly into your bank account.


As a business owner or representative with Level 3 (Delegated Authority) authorization, you can start, update or stop a direct deposit online. Log in or register for My Business Account, or Represent a Client to quickly and easily manage your business tax affairs online.

By mail

Follow these two easy steps to sign up for direct deposit:

  1. Fill out RC366, Direct Deposit Request for Businesses.
  2. Mail it to one of the tax centres.

By phone

For questions about direct deposit, call 1-800-959-5525.


Direct deposit is the fastest, most convenient, reliable, and secure way to get refunds deposited into a trust’s bank account at a financial institution in Canada.

Only the trustee, custodian, executor, or legal representative of the trust can start direct deposit or change direct deposit information. Also, the name on the bank account must match the name of the trust.

There are two ways to start direct deposit for a trust:

  • Fill out Form T3-DD, Direct Deposit Request for T3, and mail it to the address shown on the form.
  • Complete the direct deposit area of the applicable T3 return.

You also have to send the Canada Revenue Agency a void cheque or a letter/form stamped by the financial institution showing that the account is in the name of the trust.

By phone

For more information about direct deposit, call 1-800-959-8281.

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