CRA Direct Deposit Enrollment 2025: Quick And Easy Registration

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Refunds, tax credits, and other government payments such as pensions can be received through direct deposit from the Canada Revenue Agency (CRA). Direct deposit is a safe and effective form of payment where funds are deposited directly into the recipient’s bank account. Coupled with its safety and speed, it helps eliminate delays and other issues associated with mailed cheques and payments.

Who Can Participate?

You can participate if you have filed an income tax return, have a valid Canadian Social Insurance Number (SIN) that does not start with 0, and possess a Canadian dollar savings or chequing account.

Enrolment Using CRA’s My Account 

CRA’s My Account portal is the best and easiest way to enrol.

  • Log in to your CRA My Account.
  • Go to the “Profile” section and under the “Direct deposit” section scroll down.
  • Click Edit and provide your Branch number, Institution number and bank account number.
  • Your data will be updated securely, but it is important to save changes.

Register Using Your Bank Or Credit Union  

Registration can also be completed via your bank’s or credit union’s online banking:  

  • Search for “CRA Direct Deposit” under the services or payments section.  
  • Choose the account to be used and provide consent to share your bank information with the CRA.  
  • Most changes come into effect on the following business day.  
  • RBC, BMO, Scotiabank, and CWB provide expedited enrolment through their mobile and web banking platforms.  

Mail-In Form Option  

Do you wish to avoid online enrolment? You may use the fillable PDF enrolment form available from the CRA:  

  • Obtain the form from Canada.ca.  
  • Complete the form manually and attach a void cheque.  
  • Send the form by mail to the address indicated on the form. Processing usually takes a few weeks.  

Next Steps After Registration  

  • The change usually takes 1 to 2 business days for the CRA to process.  
  • After verification, all your government remittances, such as tax refund, CCB, GST/HST credit, CPP, OAS, and others, will be deposited to your account automatically.

Also Read: CRA $3900 Direct Checks 2025: Who Qualifies, Payment Dates & Status Updates

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