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CRA

How to Set Up or Change CRA Direct Deposit

Sign in to your CRA account, open Profile and edit Direct deposit, or sign up through your Canadian bank or credit union. Online changes take effect the next business day. Direct deposit can no longer be set up by phone, and a mailed form can take 3 months or longer.

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Other ways to sign up

  • Through your bank or credit union: many offer it in online banking. You must have filed a tax return first. Takes effect the next business day.
  • By mail: the Canada direct deposit enrolment form, which can take up to 3 months or longer.
  • By phone: no longer available.

What it covers

CRA payments: tax refunds and benefits like the Canada child benefit. CPP, OAS and EI are paid by Service Canada and use Government of Canada direct deposit separately.

Only Canadian bank and credit union accounts are accepted. If a payment went to the wrong account, wait 10 business days after the payment date before contacting the CRA.

Step by step

  1. Sign in to your CRA account and select your Individual account.
  2. Choose Profile and scroll to Direct deposit.
  3. Select Edit and enter your new banking information.

    The change takes effect the next business day after you consent.

  4. Keep your old account open until the first payment arrives in the new one.

Phone numbers

CRA individual enquiries

1-800-959-8281

Monday to Friday, 8 am to 8 pm Eastern time

From outside Canada and the U.S.: 1-613-940-8495 (collect calls through an operator)

Related

CRA Phone Number and Contact Numbers (2026): Every Line and Hours The main CRA phone number is 1-800-959-8281 for personal tax and CRA account questions. For benefits like the Canada child benefit call 1-800-387-1193, and for businesses 1-800-959-5525. All three are open Monday to Friday, 8 am to 8 pm Eastern time, and closed on weekends and public holidays. How to Change Your Address With the CRA The fastest way is online: sign in to your CRA account, go to Profile, Contact information, Edit, and the change is immediate. You can also call 1-800-959-8281 (same day) or mail Form RC325 (4 to 6 weeks). The CRA does not pass your new address to other departments. Benefit Payment Dates 2026: CCB, CPP, OAS, GST/HST and More Every 2026 Government of Canada benefit payment date in one calendar: Canada child benefit, CPP and OAS, GST/HST credit and Canada Groceries and Essentials Benefit, Canada Disability Benefit, Ontario Trillium Benefit and more.

Sources

North Help Desk is an independent guide, not a government website. Rules, amounts and phone hours can change; always confirm on the official page before you act. Spotted something out of date? Tell us.