CRA Direct Deposit Sign Up 2025 – How to Register and Receive Your Payments Faster

The Canada Revenue Agency (CRA) made a major update in March 2025 regarding how Canadians can set up or update their direct deposit information. The new system aims to strengthen security and simplify the payment process for benefits like GST/HST credits, tax refunds, and other federal payments.

One of the biggest changes? You can no longer call CRA to change or set up direct deposit information. Updates must now be submitted digitally or in writing through secure, verified channels. Here’s everything you need to know about CRA Direct Deposit Sign Up 2025, how to register, and how to keep your payments uninterrupted.

Overview

Direct deposit ensures that payments from the CRA are sent directly into your bank account—safely, securely, and faster than waiting for a cheque. With the March 2025 update, the CRA has eliminated phone-based updates to direct deposit details due to increased fraud concerns.

All updates now go through verified digital portals or written forms.

Detail	Information
Authority	Canada Revenue Agency (CRA)
Country	Canada
Year	2025
Benefit Type	GST/HST credits, tax refunds, and more
Payment Method	Direct Deposit
Official Website	www.canada.ca

Eligibility

To set up or receive CRA direct deposits in 2025, you must meet the following requirements:

• You’ve filed at least one income tax return with the CRA
• You have a valid Social Insurance Number (SIN) that does not begin with zero
• You hold an active Canadian bank account in your name

These basic criteria help the CRA verify your identity and process payments correctly.

How to Register

There are now three official ways to set up or update your direct deposit information in 2025. Let’s break them down:

CRA My Account

1. Go to the CRA’s My Account portal
2. Log in or register if you haven’t already
3. Click on “Profile”
4. Select “Direct Deposit”
5. Enter your bank account details (transit, institution, and account numbers)
6. Save your information

Through Your Bank

Many Canadian banks allow you to register for CRA direct deposit through online banking:

1. Log in to your online or mobile banking
2. Navigate to CRA Direct Deposit or Government Payments
3. Enter your bank account details
4. Submit to initiate CRA registration

Popular banks offering this include:

Bank Name	Registration Method
Scotiabank	Online or mobile banking
Simplii Financial	Online or mobile banking
Meridian	CRA My Account or online banking
LBC Digital	Online banking via LBC account

Paper Application

1. Download the CRA Direct Deposit Enrolment Form from canada.ca
2. Fill in your name, birthdate, SIN, and bank account details
3. Mail it to the address listed on the form
4. Allow 6–12 weeks for processing

This is the slowest option but may work best for those without internet access or comfort with digital tools.

Information Needed

To complete your registration, you’ll need:

• Full name
• Date of birth
• Social Insurance Number (SIN)
• Canadian bank account details (including transit number, institution number, and account number)

Processing Time

Step	Estimated Time
CRA My Account or Bank	1–2 business days
Paper Form	6–12 weeks
First Payment After Setup	Within 5 business days of payment date

Be sure to file your taxes on time and keep your direct deposit information updated to avoid delays.

How to Check Your Direct Deposit Status

You can verify or update your CRA banking info at any time through CRA My Account:

1. Log in at www.canada.ca
2. Click on “Profile”
3. Select “Direct Deposit”
4. Review your current bank information

This area allows you to confirm that your payments will go to the correct account, and lets you update details if needed.

FAQs