Payments the CRA sends you - Direct deposit for individuals
If you have a Canadian bank account, you can sign up for direct deposit to receive your payments from the CRA.
You will need to find your banking information at the bottom of your personal cheques or in your online banking portal. If you can't find the information, contact your bank or credit union.
Ways to update your direct deposit information
Online
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 My Account.
- Sign in
- Select Profile
- Scroll to Direct deposit
- Select Edit
- Update your direct deposit information
If you can't sign in to My Account
If your phone number has changed and you can't receive your multi-factor authentication (MFA) passcode to sign in, you will have to use another method.
For more help with My Account, go to: Help with using My Account
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.
Through your Canadian bank or credit union
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. Once you provide consent through one of these financial institutions, your CRA direct deposit information will be updated the next business day. Visit your financial institution's website for information on how to sign up.
Choose your Canadian bank or credit union
Banks (individuals)
- ATB Financial Alberta Treasury Branches
- B2B Bank
- BlueShore Financial
- BMO Bank of Montreal
- Canadian Western Bank CWB Financial Group
- CIBC Canadian Imperial Bank of Commerce
- DCBank
- First Nations Bank
- First West Credit Union
- ICICI Bank Canada
- KEB Hana Bank Canada
- KOHO Financial
- Laurentian Bank Laurentian Bank of Canada LBC
- LBC Digital Laurentian Bank of Canada
- Motive Financial
- motusbank
- National Bank National Bank of Canada
- NEO Financial
- RBC Royal Bank of Canada
- Scotiabank Bank of Nova Scotia
- Simplii Financial
- Tangerine
- TD Canada Trust Toronto-Dominion Bank TD Bank
- We Financial
Credit unions and trust companies (individuals)
- 1st Choice Savings and Credit Union Ltd.
- ABCU Alberta's Credit Union
- Accent Credit Union
- Access Credit Union
- Advance Savings Credit Union
- Affinity Credit Union
- Assiniboine Credit Union
- Atlantic Edge Credit Union (Formerly Eagle River CU)
- Atlantic Edge Credit Union (Formerly Leading Edge CU)
- Bayview Credit Union
- Beaubear Credit Union
- Bengough Credit Union
- Biggar & District Credit Union
- Bow Valley Credit Union
- Bruno Savings and Credit Union
- Bulkley Valley Credit Union
- Caisse Populaire de Clare
- Cambrian Credit Union
- Cape Breton Credit Union
- Carpathia Credit Union
- Christian Credit Union
- Churchbridge Credit Union
- Coastal Community Credit Union
- Coastal Financial Credit Union
- Coast Capital Savings Federal Credit Union
- Columbia Valley Credit Union
- Community Credit Union
- Community Credit Union of Cumberland Colchester
- Community Savings Credit Union
- Compass Credit Union Limited
- Conexus Credit Union
- Connect First Credit Union
- Consolidated Credit Union
- Copperfin Credit Union Limited
- Cornerstone Credit Union Financial Group Limited
- Credit Union Atlantic
- Creston & District CU
- Crossroads Credit Union
- Crosstown Civic Credit Union
- CTBC Bank Corporation
- Cypress Credit Union
- Desjardins
- Diamond North Credit Union
- Dodsland Credit Union
- DUCA Financial Services Credit Union
- East Coast Credit Union
- Eastern Edge Credit Union
- Edam Credit Union
- Education Credit Union
- Encompass Credit Union
- Envision Financial
- First Credit Union
- First Ontario Credit Union
- Flin Flon Credit Union
- Frontline Financial Credit Union Limited
- Fusion Credit Union
- Gulf & Fraser
- Ganaraska Credit Union
- Glace Bay Central Credit Union
- Greater Vancouver Community Credit Union
- Hamilton Sound Credit Union
- IC Savings
- Innovation Federal Credit Union
- iNova Credit Union
- Integris Credit Union
- Interior Savings Credit Union
- Island Savings
- Kawartha Credit Union
- Kindred Credit Union
- Kingston Community Credit Union
- Khalsa Credit Union
- Kootenay Savings Credit Union
- Ladysmith & District Credit Union
- Lake View Credit Union
- Lakeland Credit Union
- LeRoy Credit Union
- Libro Credit Union
- Luminus Financial Services & Credit Union
- Luseland Credit Union
- Mainstreet Credit Union
- Me-Dian Credit Union
- Meridian Credit Union
- Morell Credit Union Ltd
- Motor City Community Credit Union Limited
- NBTA Credit Union
- Nelson & District Credit Union
- New Ross Credit Union
- New Waterford Credit Union
- Newfoundland and Labrador Credit Union
- Niverville Credit Union
- North Sydney Credit Union
- Northern Birch Credit Union
- Northern Credit Union
- Northern Savings Credit Union
- Omista Credit Union
- Ontario Provincial Police Association Credit Union Limited
- Oshawa Community Credit Union Limited
- Osoyoos Credit Union
- Outlook Financial
- Pathwise Credit Union Limited
- Peace Hills Trust Company
- Peoples Trust
- PenFinancial Credit Union
- Pincher Creek Credit Union
- Prairie Centre Credit Union
- Progressive Credit Union
- Prospera Credit Union
- Provincial Credit Union
- Provincial Credit Union (Formally Évangéline-Central)
- Provincial Credit Union (Formally Malpeque Bay)
- Provincial Credit Union (Formally Tignish)
- Provincial Government Employees Credit Union
- Public Service Credit Union
- Radius Credit Union
- Rapport Credit Union
- Raymore Credit Union
- Reddy Kilowatt Credit Union
- Resurrection Credit Union
- Revelstoke Credit Union
- Rockglen-Kildeer Credit Union
- Rosenort Credit Union
- Salmon Arm Savings and Credit Union
- Sandhills Credit Union
- Spark the Energy Credit Union
- Souris Credit Union
- Southwest Regional Credit Union
- Steinbach Credit Union
- StellerVista Credit Union
- Stoughton Credit Union
- Stride Credit Union
- St. Joseph's Credit Union
- St. Stanislaus - St. Casimir's Polish Parishes Credit Union Limited
- Sudbury Credit Union
- Summerland & District Credit Union
- Sunova Credit Union
- Sunrise Credit Union
- Sunshine Coast Credit Union
- Sydney Credit Union
- Tandia Financial Credit Union
- Teachers Plus Credit Union
- The Credit Union
- The Energy Credit Union Limited
- Turtleford Credit Union
- Ukrainian Credit Union
- UNI Financial Cooperation
- Unity Credit Union
- Valley Credit Union
- Valley First
- Vancity
- VantageOne Credit Union
- Venture Credit Union
- Vermillion Credit Union
- Victory Credit Union
- Vision Credit Union
- Westoba Credit Union
- Weyburn Credit Union Limited
- WFCU Credit Union
- Williams Lake and District Credit Union
- Winnipeg Police Credit Union
- Your Credit Union Limited
- Your Neighbourhood Credit Union Limited
By mail
Do not close your old bank account until your first payment has been deposited to your new bank account
Complete this Canada Direct Deposit enrolment form and send it to the Receiver General for Canada at the address indicated at the bottom of the form.
Processing time: Up to 3 months
By phone
Do not close your old bank account until your first payment has been deposited to your new bank account
- Before you call
- Have all of the following information ready to verify your identity:
- Social Insurance Number (SIN)
- Full name and date of birth
- Complete address
- Assessed tax return, notice of assessment or reassessment, or other tax document
You can also be signed in to My Account to access your tax information.
Make a change for someone else
You can only call on behalf of someone else in the following 2 situations:
-
The person is present on the call to verify their identity in English or French and provides verbal authorization for you to speak for them
-
You are the person's legal representative with full legal authority to act as them
For details: Authorize a representative
- Telephone numbers
-
Wait time: Wait times are not available --Updated: Wait times are not available -- ET
1-800-959-8281
-
- Yukon, Northwest Territories and Nunavut:
1-866-426-1527 (toll free) - Outside Canada and the United States (operates in Eastern Standard Time):
1-613-940-8495 (collect)The CRA only accepts collect calls made through a telephone operator. After your call is accepted by an automated response, you may hear a beep and notice a normal connection delay. This service operates in Eastern Standard Time.
- Teletypewriter (TTY) or Canada VRS
-
Teletypewriter (TTY):
1-800-665-0354
-
Canada VRS (Video Relay Service):
Register with Canada VRS to download the app and call the VRS line
If you use any other operator-assisted relay service, call our regular telephone numbers on this page instead of the TTY or Canada VRS numbers.
- Hours
-
CRA’s Business Enquiries line hours Day Hours Mon to Fri 6:30 am to 11:00 pm ET Sat 7:30 am to 8:00 pm ET Sun Closed Closed on public holidays
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
The CRA will not share your direct deposit information with other government departments.
Update other information
Change your other personal details with the CRA, including your address, phone number or email address:
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