The manage direct deposit service is currently unavailable in our CRA login services. You can still enrol directly through your financial institution.

Using direct deposit, the Government of Canada can deposit payments automatically into your bank account. Direct deposit is a way to receive your payments without any postal delay. Not only will you be able to access your payments more quickly, you can also be sure they will never be lost, stolen or damaged. Sign up for direct deposit now! Setting up Direct Deposit of your Social Security, Supplemental Security Income (SSI), Veteran Affairs (VA) compensation and pension payments is fast, easy and free. You can set up your Direct Deposit by visiting your local TD Bank, going online at the U.S. Treasury Department's Go Direct ® website † or calling the U.S. Treasury Electronic.

Start Manage direct deposit for a payment in one of the following ways: To use your current banking information on file with the Canada Revenue Agency (CRA) and apply it to this payment, click the button under “Select” for the banking information you want to use, and select the “Use selected information” link.

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.

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
• Canada workers benefit
• deemed overpayment of tax

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.

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.

You can also see if you have any uncashed cheques that are older than six months.

Online - mobile application

To start or update direct deposit information, use MyCRA.

New Sign up through more financial institutions

You can now sign up for direct deposit or change your account information through many financial institutions.

Banks (individuals)

• Alterna Bank Alterna Savings and Credit Union Limited Alterna Savings
• ATB Financial Alberta Treasury Branches
• BMO Bank of Montreal
• Canadian Western Bank CWB Financial Group
• CIBC Canadian Imperial Bank of Commerce
• HSBCHSBC Bank Canada
• Laurentian Bank Laurentian Bank of Canada LBC
• LBC Digital Laurentian Bank of Canada
• National Bank National Bank of Canada
• RBC Royal Bank of Canada
• Scotiabank Bank of Nova Scotia
• TD Canada Trust Toronto-Dominion Bank TD Bank

Credit unions and trust companies (individuals)

• ABCU Alberta's Credit Union
• Alterna Savings Alterna Savings and Credit Union Limited Alterna Bank

Once you provide consent through one of these financial institutions, your CRA direct deposit information will be updated the following day. We encourage you to visit your financial institution’s website for information on how to sign up.

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

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.

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
• Canada Emergency Wage Subsidy (CEWS)

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:

New Sign up through financial institutions

The CRA may contact you by phone to confirm information. If you have questions about a call you receive, you may read more about how to recognize scams.

You can now sign up for direct deposit for certain business accounts or change your account information through your financial institution. To be eligible to enroll for CRA direct deposit for businesses, your business must have a valid 15 digit business number and one of the following CRA program accounts:

• RT – Goods and Services Tax/Harmonized Sales Tax
• RP – Payroll
• RC – Corporate Income Tax
• ZA - Canada Emergency Rent Subsidy (CERS)

* Note: You will need to sign up your Canada Emergency Rent Subsidy account (ZA) to receive the CERS by direct deposit.

Cra Direct Deposit Rbc

Banks (businesses)

• BMO Online Banking Bank of Montreal or BMO Online Banking for Business Bank of Montreal
• Canadian Western Bank CWB Financial Group
• CIBC online banking Canadian Imperial Bank of Commerce or CIBC Cash Management Online Canadian Imperial Bank of Commerce
• HSBC HSBC Bank Canada
• Laurentian Bank (coming soon)
• RBC Royal Bank of Canada
• Scotiabank Bank of Nova Scotia
• TD Canada Trust Toronto-Dominion Bank TD Bank

Credit unions and trust companies (businesses)

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.

For more information about direct deposit for trusts, call 1-800-959-8281.

Cra Direct Deposit Setup

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.

Thank you for your help!

You will not receive a reply. For enquiries, contact us.

Date modified:

We’d like to help our community access any government payments or support as soon as possible. Starting April 3, 2020, you can sign up for Canada Revenue Agency (CRA) direct deposit with KOHO to receive government payments — including any support you may be applying for due to COVID-19.

Why should I sign up for direct deposit?

Direct deposit allows you to access your money faster and is more convenient as your payment will not be delayed due to unforeseen circumstances such as bad weather. It is reliable and your payment will always be deposited in the account that you supply at the time of your enrolment in direct deposit. You will be able to change or cancel your direct deposit information at any time through the CRA My Account portal.

For those eligible for the Canada Emergency Response Benefit, we encourage you to sign up for direct deposit as soon as possible to receive your payments on time.

Can anyone sign up for CRA direct deposit?

To be eligible to enrol in direct deposit through KOHO or any other participant in the CRA direct deposit service, you must have previously filed at least one personal income tax return or set up an account with the CRA. If you do not meet this criteria, please call the CRA directly at 1-800-959-8281 for more information.

Eligibility

Who is eligible?
Eligibility for government payments is decided by the CRA and the Canadian government. KOHO does not determine eligibility. Instead, we provide the connection so that your government payments reach your account faster and without the need for paper cheques.

I haven’t completed identity verification for my KOHO account yet, can I still participate?
All users need to complete identity verification* before they can sign up to receive payments through KOHO or any other participant in the CRA direct deposit service. Learn more about how to verify your identity.

*If your account is already verified,additional documents are not required. You will know your account is verified if you've received a confirmation email that your account is set up, or currently own a coloured physical card.

What if I already have direct deposit set up with the CRA into another account? Can I do both?
Should you wish to have your payments deposited to your KOHO account, this will override any prior enrolments. You can switch enrolments at any time, but a maximum of once per calendar day.

You can switch the account your CRA payments are sent to once logged into your My Account on the CRA website under “arrange my direct deposit”.

I’m not expecting any government payments. Should I still register?
Yes! The Canadian government is encouraging all Canadians to register for direct deposit. This is to help increase the speed at which you receive all future payments (including tax returns) and reduces the need for physical cheques.

I have a joint account and a personal account. Which one should I use?
Through the CRA My Account site, you can direct your payments to either account. However, setting up direct deposit through KOHO is only available for your KOHO personal account.

Registering

How do I register to have the CRA deposit into my KOHO account?
You must log into your KOHO app to start the process. In your KOHO app you will see a home card about setting up CRA. You can start the process by tapping that screen, or going directly to our secure webpage to begin registration. To see all messages from our team, go to Chat with Support > see previous.

What information does KOHO share with the CRA?
Your full name, date of birth and Social Insurance Number (SIN) and the account number into which payments will be deposited.

How do I know my registration was successful?
Once processed by the CRA, you can log into your My Account and check the direct deposit on record.
Why do you need my SIN?
The CRA needs it to validate the correct funds are sent to the correct person. KOHO is mandated to collect this information for the CRA.

I don’t have a SIN number, how do I register?
Unfortunately, you won't be able to register with the CRA without a SIN.

The name I have associated to my KOHO account doesn't match what the CRA has, what do I do?
The CRA uses name matching tools to help overcome minor differences; however, if possible, we suggest you update your name as reflected with CRA to avoid any mismatches.

Please contact our support team with a supporting government-issued ID to help you out before you register for direct deposit with the CRA via KOHO.
Do I need to provide the CRA with my direct deposit form?
No, KOHO will handle the set up of receiving direct deposits from the CRA to your KOHO account for you.

Timing

When can I expect my direct deposit to land in my KOHO account?
You can expect to receive payments within 5 business days of the scheduled payment date. You must be enrolled prior to the payment being made for funds to reach your account. Enrolment is required before 9pm ET for the next day to count as the first business day.

How long will it take to process my direct deposit enrolment with KOHO and the CRA?

• With KOHO: we send over all new enrolments to the CRA weekdays before 10pm ET.
• With the CRA: The CRA aims to process your direct deposit enrolment or information updates within the next business day. Given the current environment, you may experience longer than usual processing times once KOHO has sent your information to the CRA.

Other Questions

Cra Direct Deposit Enrollment Form

Does this enrol me into the CRA benefits as well?
No, you need to do this through the CRA

Cra Change Direct Deposit

What CRA payments can I receive through direct deposit?
You can receive these CRA payments through direct deposit:

• The new Canada Emergency Response Benefit
• Income Tax Refund
• Canada Child Benefit
• Goods and Services Tax/Harmonized Sales Tax (GST/HST) Credit
• Canada Workers Benefit
• Ontario Trillium Benefit

Keep in mind that if you submit multiple requests to enrol, at various participants, your most recent successful enrolment will be the account your payments are deposited to. Direct deposits can only be made into one account, at one participant.

What am I consenting to?
Allowing KOHO to share your direct deposit information with our banking partner, Peoples Trust Company, who then shares it with the CRA so they can deposit any CRA payments owed to you into your KOHO account.

What does Peoples Trust have to do with this?
KOHO sends your direct deposit information and confirmation of your consent to participate in this program to Peoples Trust, who then submits this information to the CRA on your behalf.

For more information on direct deposit from the CRA, visit: https://www.canada.ca/en/revenue-agency/services/about-canada-revenue-agency-cra/direct-deposit.html

Additional Articles you may find helpful:
How to get early access to your CRB benefits?
How do I set up direct deposit?
Options for loading your KOHO card