CRA Direct Deposit

Sign up for CRA Direct Deposit through Online Banking

In light of COVID-19, and the introduction of the Canada Emergency Response Benefit (CERB), the Canada Revenue Agency (CRA) wants to make it easier for Canadians to sign up for its direct deposit service by creating an enrollment process that can be accessed through financial institutions.

Members are now able to securely transmit their direct deposit enrollment information to CRA through Unity Credit Union’s Online Banking.  With direct deposit, you will receive your tax refunds and benefit payments faster and directly into your Unity Credit Union account.

The following CRA payments can be received through direct deposit:


To sign up for direct deposit or update your personal details, simply follow these steps: 

  1. Log in to Online Banking
  2. Click “Account Services”
  3. Click “Setup CRA Direct Deposit”
  4. Select the account you’d like direct deposit to go to and ensure your information is correct
  5. Authorize Unity Credit Union to submit your direct deposit information to CRA

This feature is available on the desktop version of Online Banking.  If you need any assistance setting up this feature, contact us at 306.228.2688.


What is a direct deposit payment? Expand/Collapse

Direct deposit is a secure electronic transfer of funds deposited directly into your account at Unity Credit Union, from Canada Revenue Agency. Direct deposit replaces the need to issue payments by paper cheque.

Do I need to register again with CRA to receive payments? Expand/Collapse

If you are already registered for CRA Direct Deposit, you don’t need to register again.

How do I apply for the CERB benefit? Expand/Collapse

**Please note that registering for Direct Deposit through Unity Credit Union's Online Banking does not register you for the CERB.**

If you would like to obtain the CERB benefit, you must apply for it directly on the CRA website.  Additional information and questions about the CERB can be found at the Government of Canada’s website.

How do I set up Direct Deposit through Unity Credit Union? Expand/Collapse

It’s easy! If you’re registered for Online Banking, simply log in and click “Setup CRA Direct Deposit” on the sidebar navigation. Click “Next” to proceed to the next page. Choose the account that you’d like the deposit to go into, and enter the personal information requested, including your first name, last name, date of birth, and Social Insurance Number, and accept the Terms & Conditions. A confirmation message will display that your enrolment is complete.

Important: You will need to login to your “CRA My Account” the following business day to confirm that your direct deposit has been successfully set up.

Why should I sign up for Direct Deposit with the Canada Revenue Agency (CRA)? Expand/Collapse

If you’re receiving payments from the Canada Emergency Response Benefit (CERB) or other CRA benefits, signing up for direct deposit ensures that you’ll receive payments faster than traditional mail. 

Will I still receive cheques if I sign up for direct deposit? Expand/Collapse

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

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

In order to offer this direct deposit enrolment service, Unity Credit Union signed an extensive Terms of Use Agreement with the CRA, which obliges us to use consent and privacy statements with all our members 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).
    • Unity 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 enroll 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).

Why do I need to provide my Social Insurance Number (SIN)? Expand/Collapse

Social Insurance Numbers provide a unique identifier for every Canadian with the CRA. Providing your SIN number ensures the payment is made to the right person.

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 the following day. The CRA aims to process your direct deposit enrollment 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 us.

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.

How do I know that I have received my direct deposit payment from the CRA? Expand/Collapse

You can verify that the payment has been received by checking your account activity on your Unity Credit Union Online Banking, Mobile App, or statement. Your payment amount will be deposited directly into your account.

You can also confirm that the payment was sent by the CRA by logging into CRA’s “My Account”.

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. 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 Canada Revenue Agency. Direct deposits will only be made into one account, at one financial institution.


Find Branch/ATM

Enter address, postal code or branch name