Direct deposit

Don’t miss a payment!

Direct deposit is a fast, easy and secure way to get your payments on time in the event of an emergency or unforeseen circumstances. Register today to avoid delays!

The Government of Canada is switching to direct deposit for all payments that it issues. Direct deposit is convenient, reliable, and secure, and it saves taxpayers money!

If you already signed up for direct deposit and provided bank account information to the Canada Revenue Agency (CRA) for one or more payments, we will continue to use this information for those payments. However, if you become entitled to a new payment, please contact the CRA to authorize us to use your existing information, or provide new direct deposit banking information.

For more information and to find out how to update your account, please visit our Frequently asked questions about direct deposit.

Individuals

If you receive at least one of the following payments from the CRA, you can sign up for direct deposit:

  • income tax refund
  • goods and services tax/harmonized sales tax credit and any similar provincial and territorial payments
  • Canada child tax benefit and any similar provincial and territorial payments
  • working income tax benefit
  • universal child care benefit
  • deemed overpayment of tax

Watch the CRA's video about the benefits and convenience of direct deposit.

How to sign up

Online

If you are registered for My Account, you can sign up for direct deposit now. If you are not yet registered, why wait? My Account can help you quickly and easily manage your tax affairs online, including signing up for direct deposit or changing your account information.

Online—mobile application

To start or update direct deposit information, use MyCRA.

By phone

To sign up for direct deposit or to change your account information, call 1-800-959-8281. You will need your:

  • social insurance number
  • full name and current address, including postal code
  • date of birth
  • most recent income tax and benefit return and information about the most recent payments you got from the Canada Revenue Agency
  • banking information: three-digit financial institution number, five-digit transit number, and your account number

By mail

To sign up for direct deposit, follow these steps:

  1. Fill out the Canada Direct Deposit enrolment form.
  2. Mail the completed form to the address on the form.

Businesses

If you are a business and receive at least one of the following payments from the Canada Revenue Agency, you can sign up for direct deposit:

  • corporation income tax refund
  • goods and services tax/harmonized sales tax credit
  • refund of excise tax or other levies
  • refund of payroll deductions

How to sign up

Online

As a business owner or representative with Level 3 (delegated authority) authorization, you can start or update a direct deposit online. To manage your business tax affairs online, log in or register for My Business Account or Represent a Client.

By mail

To sign up for direct deposit, follow these steps:

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

For more information about direct deposit for businesses, call 1-800-959-5525.

Trusts

If you are the trustee, custodian, executor, or other type of legal representative for a trust, you can start or change direct deposit information. The name on the bank account must match the name of the trust.

How to sign up

By mail

  1. Fill out Form T3-DD, Direct Deposit Request for T3.
  2. Mail the completed form to the address on the form.

Or you can complete the direct deposit area of the applicable T3RET, T3 Trust Income Tax and Information Return.

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

Non-resident account holders and NR7-R refund applicants

You can start direct deposit or change your banking information related to direct deposit if the following three conditions apply:

  • you are a Canadian payer or agent
  • your non-resident tax account has three alpha characters starting with NR followed by six digits
  • the name on your Canadian bank account matches the name on your non-resident tax account

If you are a non-resident of Canada filing a Form NR7-R, Application for Refund of Part XIII Tax Withheld, you can ask the Canada Revenue Agency to deposit your refund directly into your bank account at a Canadian financial institution. The name on the bank account must match the name of the applicant or the authorized person who signs the certification section on Form NR7-R.

How to sign up

By mail

Non-resident account holder
  1. Fill out Form NR304, Direct Deposit Request for Non-Resident Account Holders and NR7-R Refund Applicants.
  2. Mail the completed form to the address on the form.
NR7R refund applicant
  1. Fill out Form NR304, Direct Deposit Request for Non-Resident Account Holders and NR7-R Refund Applicants.
  2. Attached the completed NR304 to the Form NR7-R, Application for Refund of Part XIII Tax Withheld refund application.
  3. Mail the completed forms to the address on the forms.

For more information about direct deposit for non-resident account holders and NR7-R refund applicants, call 1-855-284-5946.

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