CRA Direct Deposit Setup Guide
Personal Accounts
If you have a Canadian bank account and are expecting any of the following payments from the CRA,
you can set up direct deposit to receive them electronically:
- Personal income tax refunds
- Goods and Services Tax (GST)/Harmonized Sales Tax (HST) credits and other provincial or territorial rebates
- Canada Child Benefit and other provincial or territorial family benefits
- Canada Workers Benefit (CWB)
- Refunds for overpaid taxes
Set Up Online (CRA My Account)
To set up direct deposit through the CRA website, you must first register for a
CRA My Account. This secure portal allows you to manage your personal tax information,
update direct deposit details, and check if you have uncashed cheques older than six months.
CRA My Account:
https://www.canada.ca/en/revenue-agency/services/e-services/e-services-individuals/account-individuals.html
Set Up Through Online Banking
You can also set up or update your CRA direct deposit information directly from your online banking portal.
Below are links for major Canadian banks:
Set Up by Phone
You can also set up or change your CRA direct deposit information by phone.
Call the CRA at 1-800-959-8281.
You will need to provide the following:
- Social Insurance Number (SIN)
- Full name, current address, and postal code
- Date of birth
- Recent tax return and benefit information, including the most recent refund received
- Banking information: three-digit Institution Number, five-digit Branch Number, and your Account Number
Business Accounts
If your business receives any of the following refunds or payments from the CRA,
you can set up direct deposit to simplify transactions:
- Corporate income tax refunds
- GST/HST refunds
- Excise tax or other rebate refunds
- Refunds of overpaid payroll deductions
- Canada Emergency Wage Subsidy (CEWS) payments
Set Up Online (CRA My Business Account)
As a business owner, you can apply for and manage direct deposit information online
through the CRA My Business Account portal.
-
CRA My Business Account:
https://www.canada.ca/en/revenue-agency/services/e-services/e-services-businesses/business-account.html
Learn more about CRA direct deposit options here:
https://www.canada.ca/en/revenue-agency/services/about-canada-revenue-agency-cra/direct-deposit.html
