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Payments the CRA sends you - Direct deposit for individuals

If you have a Canadian bank account, you can sign up for direct deposit through your CRA account or through your Canadian bank or credit union.

You can no longer sign up for or update your direct deposit information by telephone.

If you have a “Client authorization required” (CAR) indicator set on your CRA profile, you won’t be able to update your banking information. To remove the indicator, contact the CRA at 1-800-959-8281 or send a letter to the following address:

Attention: Team Leader
T1/T3 Direct Deposit and Program Support
Sudbury Tax Centre
1050 Notre Dame Avenue
Sudbury, ON P3A 5C1

Once the indicator is removed, you will be able to sign up for or update your direct deposit information through the following secure options:

  • Online using your CRA account (add, modify, delete)
  • Through your Canadian bank or financial institution (add or modify)
  • By mail using the Canada direct deposit enrolment form (add, modify, delete).*
    *The processing time for enrolment forms is estimated to be up to 3 months or longer.

Ways to update your direct deposit information

Online

Processing time: Once you provide consent through your CRA account, your CRA direct deposit information will be updated the next business day.

Do not close your old bank account until your first payment has been deposited to your new bank account.

Change your direct deposit online using your CRA account

CRA sign in

  1. Sign in to your CRA account
  2. Select your Individual account to access My Account
  3. Select Profile
  4. Scroll to Direct deposit
  5. Select Edit
  6. Update your direct deposit information

If you can't sign in to your CRA account

If your telephone number has changed and you don't receive your multi-factor authentication (MFA) passcode to sign in, you will have to use another method.

For more help with your CRA account, go to: Help with using your CRA account

If you can't use an online method

The fastest way to sign up for or update your direct deposit information is online with your bank or in your CRA account. You can not update or start direct deposit by phone. If you can't do it online, you can mail in the Canada direct deposit enrolment form, but it will take much longer.

The processing time is estimated to be up to 3 months or longer

Make a change for someone else

To change direct deposit information for someone else, including a spouse or family member, you must be their Legal representative and use Represent a Client in your CRA account.

Through your Canadian bank or credit union

What's new for 2026

New web application for the banks and credit unions

If you are representing a bank or credit union and would like to offer your clients the ability to register for the CRA direct deposit service through your institution, you can now complete this new application.

*This application can also be used by already enrolled banks or credit unions to update their information.

Important message for the banks and credit unions

This new application is intended for banks and credit unions only. It does not apply to their clients.

Application

Application for financial institutions to offer Canada Revenue Agency (CRA) direct-deposit enrolment service to their clients

If you want to proceed:

Make your selection

  • New request
  • Update request

Processing time: Once you provide consent through one of these financial institutions, your CRA direct deposit information will be updated the next business day.

Note: Before registering, please ensure that you’ve already filed a tax return.

Do not close your old bank account until your first payment has been deposited to your new bank account

You can sign up for direct deposit or change your account information through many Canadian banks, credit unions, and trust companies. Visit your financial institution's website for information on how to sign up:

Choose your Canadian bank or credit union

Banks (individuals)

Credit unions and trust companies (individuals)

If you can't use an online method

The fastest way to sign up for or update your direct deposit information is online with your bank or in your CRA account. You can not update or start direct deposit by phone. If you can't do it online, you can mail in the Canada direct deposit enrolment form, but it will take much longer.

The processing time is estimated to be up to 3 months or longer.

Your banking information and your privacy

Banking information privacy notice for individual taxpayers and benefits recipients

Personal information (including the SIN) is collected for the purposes of the administration or enforcement of the Income Tax Act and related programs and activities including administering tax, benefits, audit, compliance, and collection. The information collected may be used or disclosed for purposes of other federal acts that provide for the imposition and collection of a tax or duty. It may also be disclosed to other federal, provincial, territorial or foreign government institutions to the extent authorized by law. Under the Privacy Act, individuals have the right to access their personal information, request correction, or file a complaint to the Privacy Commissioner of Canada regarding the handling of the individual’s personal information. Refer to Personal Information Bank CRA PPU 005 on Information about Programs and Information Holdings.

Missing payments

If you haven't received your 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.

Change your direct deposit information with other government departments

The CRA does not administer the Canada Pension Plan (CPP) or Old Age Security (OAS). To update your information for these programs, go to Government of Canada direct deposit.

Update other information

To change your other personal details with the CRA, including your address, phone number or email address:

Update your personal information with the CRA

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2026-05-13