Direct deposit - Canada Revenue Agency

Don't miss a payment!

Direct deposit is fast, convenient and secure. Register for direct deposit today to ensure you get your payments on time in the event of an emergency or unforeseen circumstances!

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 one of the following payments from the CRA and have a Canadian bank account, 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 benefit and any similar provincial and territorial payments
  • working income tax benefit
  • deemed overpayment of tax

Note

If you have already signed up for direct deposit with the CRA, we will use the existing bank account information for any payments you are entitled to receive.

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

How to sign up

Online

You can sign up yourself if you are registered for My Account. 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.

New! Sign up through two financial institutions

Desjardins members and TD Canada Trust customers can now sign up for direct deposit through their financial institutions. Desjardins members can sign up online and TD Canada Trust members can sign up over the phone or in person at their branch.

Not a Desjardins member or TD Canada Trust customer? Stay tuned. Other financial institutions are expected to provide this service in the near future.

By phone

To sign up for direct deposit or to change your account information, call CRA at 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 received 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.

Note

Do not close your old bank account until your first payment has been deposited to your new bank account as it may already be in process.

Businesses

If you expect to receive at least one of the following payments for your business from the Canada Revenue Agency, you can sign up for direct deposit:

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

How to sign up

Online

As a business owner or delegated authority, you can start or update a direct deposit online.
To complete your direct deposit application or to manage your direct deposit information, log in or register for:

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-residents

You can start direct deposit or change your banking information related to direct deposit if the following 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
  • your Canadian bank account is registered in Canada
  • 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. Attach 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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