FAQs – CRA Direct Deposit
If the CERB was applied for through both Service Canada and the CRA, you may have received two payments of $2000 for your first eligibility period; if this is the case, the CRA will send you a letter with instructions on how you can repay one of these payments, without interest or penalties.
There may be other situations, where you may want to repay a CERB payment. Reasons for this could include:
- You applied for EI or CERB on or after March 15th 2020 through Service Canada and later applied for the CERB through CRA.
- You applied for a 4-week CERB payment through the CRA and later realized you were not eligible to receive all or part of the benefit payment
For updated and detailed information, including how to return CERB payments, please visit the CRA’s website: Canada Emergency Response Benefit.
Clients may apply for the CERB through Service Canada or through the CRA, but not both. For more information relating to the Canada Emergency Response Benefit, please visit CRA - CERB FAQ.
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
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
- CAD Personal Chequing Accounts
- CAD Personal Savings Accounts
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 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). If you are eligible to receive it, you can also receive your Canada Emergency Response Benefit payments. For a complete list, please visit CRA Direct Deposit Enrollment.
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
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.
You may want to return or repay the CERB if you:
- return to work earlier than expected
- applied for CERB but later realize you’re not eligible
If you still have the original CERB cheque
You can return the cheque by mail to the address below.
If you don't have the cheque or were paid by direct deposit
You can mail your repayment to the CRA.
Be sure to:
- Make payment out to "Receiver General for Canada"
- Indicate it is for "Repayment of CERB"
- Include your Social Insurance Number (SIN) or your Temporary Tax Number (TTN)
Mail your payment to
Revenue Processing – Repayment of CERB
Sudbury Tax Centre
1050 Notre Dame Avenue
Sudbury ON P3A 0C3
For more information, please visit the CRA website detailing all specifics relating to Canada Emergency Response Benefit.
Additional Information:CRA Direct Deposit FAQ
CRA Notifications - Individuals