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CRA Direct Deposit Enrolment

Get your tax refunds and benefits payments faster by having them automatically deposited into your bank account.  We have partnered with the Government of Canada to offer Canada Revenue Agency (CRA) direct deposit enrolment online through our website.

This includes the Canada Emergency Response Benefit (CERB), income tax refunds, GST/HST credits, Canada child benefit payments, and other applicable payments. 

​If you aren’t already registered for CRA’s digital services, signing up for direct deposit or changing your account information through us is easy and secure! Learn how in the Frequently Asked Questions below.

How to Register for Direct Deposit


To register for direct deposit, you'll need to complete the following steps from Interior Savings full online banking site. Please note: registration cannot be completed using the Interior Savings mobile app at this time.    

  1. Login into Online Banking
  2. Select 'Account Services' from the left-hand menu
  3. Select 'Setup CRA Direct Deposit' and follow the on screen instructions

​Frequently Asked Questions

​If you don't find what you're looking for, give us a call at 1-855-220-2580

What is a direct deposit payment? 

Direct deposit is a secure electronic transfer of funds deposited directly into your bank account. Direct deposit replaces the need to issue payments by paper cheque.

​Who is eligible to enroll in the direct deposit service through financial institutions?​

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.

​How do I return or repay my Canadian Emergency Response Benefit (CERB)?

If you no longer meet the CERB eligibility requirements, you can return or repay it through online banking, via CRA online, or by postal mail.  Learn more by going to www.canada.ca

​Why is direct deposit enrolment only available to individuals and not businesses?

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

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?

Direct deposit allows you to access your money faster, and more conveniently. It is reliable, and your payment will always be deposited on time in your account.  In addition, direct deposit helps reduce the risk of mail fraud and delays caused by a postal disruption.

​Will I still receive cheques if I sign up for direct deposit?

No. Once you are enrolled for direct deposit, you will receive CRA payments such as benefits, credits and refunds directly to your account.

​What payments can I receive through direct deposit?

If you are eligible, you can receive the following payments directly to your account: 

  • Canada Emergency Response Benefit (CERB) 
  • Income Tax Refund
  • Canada Child Benefit (CCB)
  • Goods and Services Tax/Harmonized Sales Tax (GST/HST) Credit
  • Canada Workers Benefit (CWB)
  • Provincial and Territorial Payments

​What information is shared with CRA?

In order to offer this direct deposit enrolment service, Interior Savings' has signed an extensive Terms of Use Agreement with the CRA. This means that members who wish to enroll in the CRA direct deposit service will be required to sign off on consent and privacy statements to show your acknowledgement and agreement that: 

  • The CRA requires your name, bank account information, date of birth and social insurance number (SIN). 
  • Interior Savings will provide to the CRA your name and bank account information, 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?

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

​How will I know that my direct deposit information has been updated?​

If you are registered for CRA’s My Account, you can verify your direct deposit information through the online self-service portal. If you are not registered for My Account, learn more by going to the CRA's website

​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.

What else should I be aware of? 

The CRA or Interior Savings will never send you an email, text or Interac e-transfer that includes a link asking for your personal information in order to receive your benefit payment or refund. These are scams and you should never respond to these fraudulent communications or click on any of the links provided. If you do receive a suspicious email of this nature, please reach out to us. We’re happy to help. 

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.