CRA Direct Deposit Enrolment

The Government of Canada has partnered with Canadian financial institutions, including Sudbury Credit Union to offer Canada Revenue Canada (CRA) direct deposit enrolment online through our website.

You can now sign up for CRA direct deposit or change your account information via online banking.

Once you provide consent through online banking for your banking information to be shared with the CRA, your direct deposit information will be updated the following day.

How To Enroll

  • Sign in to your online banking.
  • In the menu on the left, select Account Services, then choose the option to Setup CRA Direct Deposit.


  • Complete the next three steps; Payment Information, Authorization and Confirmation.
  • Once you have completed the steps, you will be presented with a final confirmation screen. Please confirm that your direct deposit enrolment was successful by logging into your CRA account directly the following day.

Frequently Asked Questions

Who is eligible to enroll in the direct deposit service through financial institutions? Expand/Collapse

Canadian taxpayers. If an individual has never filed a tax return with the CRA, they are not eligible to sign up for the CRA direct deposit service through their financial institution.

Why is direct deposit enrolment only available to individuals and not businesses? Expand/Collapse

The direct deposit service is strictly for individuals using their SIN to register.

The CRA has confirmed that the that Canada Emergency Response Benefit only supports SIN-based payouts and are not applicable to loans currently being provided for small businesses with a Business Number.

Small businesses with a Business Number will be able to update their Direct Deposit information through their business portal. Payments Canada will circulate CRA’s link to ‘my business’ account where business can sign up.

Why should I sign up for direct deposit? Expand/Collapse

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 on time in your account.

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

What payments can I receive through direct deposit? Expand/Collapse

If you are eligible, you can receive your Canada Emergency Response Benefit payments directly to your bank account.

You can also 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).

Is it safe to sign up for direct deposit? Expand/Collapse

In order to offer this direct deposit enrolment service, Sudbury Credit Union signed an extensive Terms of Use Agreement with the CRA which obliges us to use consent and privacy statements with all our clients who enroll in CRA direct deposit. By signing these consent and privacy statements you will acknowledge and agree that:

  • To facilitate your direct deposit enrolment with the CRA:
  • The CRA requires your name, bank account information, date of birth and social insurance number (SIN).
  • Sudbury Credit Union will provide to the CRA your name and bank account information as set out above, as well as the date of birth and SIN that we have on file for you.
  • Once the CRA has completed your direct deposit enrolment, the Receiver General will deposit any amounts to be paid to you by the CRA.

The Government of Canada considers privacy and security of utmost importance in the issuance of payments. Any information you provide to the Government of Canada when you enrol for direct deposit is protected under the Government of Canada Privacy Act and as described in Receiver General Payments (Personal Information Bank PWGSC PCU 712).

How long will it take to process my direct deposit enrolment or update through my financial institution? Expand/Collapse

Once you provide consent for your banking information to be shared with the CRA, your direct deposit information will be updated by your financial institution the following day. The CRA aims to process your direct deposit enrolment or information updates in one or two business days. Given the current environment, you may experience longer than usual processing times once the CRA receives your information from your financial institution.

How will I know that my direct deposit information has been updated? Expand/Collapse

If you are fully registered for CRA’s My Account, you can verify your direct deposit information through this online self-service portal.