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FAQs – CRA Direct Deposit

To be eligible you must have:

  • A valid Social Insurance Number
  • Filed at least one income tax return
  • An RBC CAD Personal Chequing Account or and RBC CAD Personal Savings Account
Remember

Registration is only required once – if you’ve already registered with the CRA, there is no need to do so again

Who is ineligible?

Businesses, Trusts and Non-Residents are ineligible to sign-up via RBC. They can still sign up for Direct Deposit directly with CRA via their site: CRA Direct Deposit Enrollment

Yes, as long as you have filed at least one tax return and have a valid SIN, you will still be able to enroll for CRA Direct Deposit.

Yes. You have 2 options.

  • CAD Personal Chequing Accounts
  • CAD Personal Savings Accounts
Yes, download our most recent app via RBC Mobile and follow the link to “Set Up CRA Direct Deposit”
You can follow the steps outlined here: How To Reset My Password
The process of updating existing bank account information is the same as a new enrollment. Simply log in to your RBC Online Banking or RBC Mobile and follow the prompts for CRA Direct Deposit Enrollment. Once submitted, the bank account information will be updated.

It can take between 24 – 48 hours for the changes to be reflected in CRA My Account for Individuals, but processing times may vary. CRA will also notify you when important changes are made to your account, such as direct deposit. For more information please visit the CRA website: Email Notifications from the CRA – Individuals.

You can contact the CRA at 1-800-959-8281.

You can receive payments such as your income tax refund, benefits and credits such as the Canada child benefit (CCB), the goods and services tax/harmonized sales tax (GST/HST) credit, Canada workers benefit (CWB), and provincial and territorial payments such as the Ontario Trillium Benefit (OTB). For a complete list, please visit CRA Direct Deposit Enrollment.

You will need to enter your Social Insurance Number and identify an eligible account for the funds to be deposited into.

The enrollment for CRA Direct Deposit via RBC Online Banking and RBC Mobile is only available for personal accounts using a Social Insurance Number. HOWEVER – Businesses can still sign up for Direct Deposit directly with the CRA via this link: My Business Account - Direct Deposit Enrollment

Most joint accounts are eligible. However, each account holder must complete their own CRA Direct Deposit Enrollment in order to receive any amounts payable to them from the CRA.
No, the payments must be directed into a personal banking account. Once the funds are deposited, you’ll be able to make payments to your credit card as usual.
Enrollment for the CRA Direct Deposit via RBC Online Banking or RBC Mobile is for all payments that are payable to you from the CRA and will only allow one bank account per Social Insurance Number to be identified.
No, similar to the above, the direct deposit enrollment is based on one account per Social Insurance Number, regardless of having multiple accounts or accounts at multiple banks.
No, the payments must be directed into a personal banking account. Once the funds have been deposited, you will able to contribute to a registered account, such as your TFSA, as usual.
No, the payments are paid in CAD and must be directed to a CAD account.

Please contact the CRA at 1-800-959-8281.

You can revoke your enrollment by visiting the CRA website and accessing CRA My Account for Individuals or if you do not have a CRA My Account, you can contact the CRA at 1-800-959-8281.

You can confirm that your account has been updated by visiting the CRA website and accessing CRA My Account for Individuals or if you do not have a CRA My Account, you can contact the CRA at 1-800-959-8281. In addition, CRA will also notify you when important changes are made to your account, such as direct deposit. For more information please visit the CRA website: Email Notifications from the CRA - Individuals.

Remember: The CRA 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.

You can attempt to re-enroll in CRA Direct Deposit with RBC Online Banking or RBC Mobile or directly on the CRA website CRA Direct Deposit Enrollment, or if you do not have a CRA My Account, you can contact the CRA at 1-800-959-8281.

Additional Information:
CRA Direct Deposit FAQ
CRA Notifications - Individuals