CRA Direct Deposit Enrolment

Sign up for CRA direct deposit once and receive CRA payments directly to your account

In light of the COVID-19 crisis and the introduction of the Canada Emergency Response Benefit, the Canada Revenue Agency (CRA) has made it easier for Canadians to sign up for its direct deposit service. With direct deposit, you will receive your tax refunds and benefit payments faster and directly into your Encompass account.

Click here for CRA direct deposit

CRA direct deposit enrolment help centre

Benefits of Direct Deposit: 


  • When you complete the form, your direct deposit information will be updated with CRA the following day
  • Receive your refund in as little as eight business days, paper takes up to eight weeks


  • Receive federal government payments directly into your account including:
    • Income tax refund
    • GST/HST credit and any similar provincial and territorial payments
    • Canada child benefit
    • Canada workers benefit


You can verify a payment has been received by checking your banking history online or on your bank statement

  • You can also confirm the payment was sent by the CRA by logging into CRA’s My Account
  • Direct deposit helps reduce the risk of mail fraud and delays caused by a postal disruption

Frequently asked questions

What are the benefits of registering for CRA direct deposit?

  • Set up is easy – just sign into online banking and register in a few easy steps.
  • Receive your money faster – your money will be deposited directly to your bank account.
  • Avoid delays – choosing CRA direct deposit means receiving your money faster, without any worry of potential delays from the physical world.
  • Transactions are secure – keeping your information safe is our priority.

What payments does CRA direct deposit enrolment include?

Types of CRA payments eligible for direct deposit include:

  • Income tax refunds
  • Canada Child Benefit
  • Goods and Services Tax/Harmonized Sales Tax (GST/HST) credit
  • Canada Workers Benefit
  • Canada Emergency Response Benefit (CERB)
  • Provincial and territorial payments

For a complete list of payments, see the CRA website.

Do I need to register separately for each payment?

No. Once registered, you're enrolled for Direct Deposit for any and all types of government payments that you may be entitled to.

When will the changes be updated in my CRA account?

The direct deposit information should take up to 2 business days to appear in your CRA account.

I already have direct deposit for my CRA account. Do I need to do anything?

No action is required. You'll continue to receive payments made to you by the CRA to your existing account.

If you want to change your CRA direct deposit information, complete the set up in online banking and any future amounts will be deposited to this new account, replacing any previous CRA direct deposit information.

What if I need to change my contact information with the CRA?

To change contact information provided to the Canada Revenue Agency or to remove direct deposit from your CRA account, call the CRA at 1.800.959.8281.

How do I know that I have received my direct deposit payment from the CRA?

You can verify that the payment has been received by checking your banking statement on the account you used to sign up for direct deposit. Your payment amount will be deposited directly into the account.

You can also confirm that the payment was sent by the CRA by logging into CRA’s My Account. But, please use option 2, which will make the process easier.

Fraud prevention:
The CRA or Encompass Credit Union will never send you an email, text or Interac e-transfer to a link asking for your personal information to receive your benefit payment or refund. These are scams and taxpayers should never respond to these fraudulent communications or click on any of the links provided. If you submit multiple requests to update your direct deposit information, the most recent enrolment you complete will become the account on file with the CRA. Direct deposits will only be made into one account, at one financial institution.


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