Get your CRA benefits faster
We want to minimize the financial impact of COVID-19 by helping you send your banking information seamlessly to the CRA to get your government benefits quicker.
We've launched a new feature within online banking to help you enrol for Canada Revenue Agency’s (CRA) direct deposit service. In the past, you would have needed to sign up for direct deposit through My Account or by using the MyCRA and MyBenefits CRA apps from your mobile device. Now, this enhanced feature will allow members to quickly designate what account they want their direct deposit to go to, all within CCCU online banking.
If you’re eligible for the Canada Emergency Response Benefit (CERB), we encourage you to sign up for direct deposit as soon as possible to receive your benefit payments on time.
About Direct Deposit
Direct deposit is a secure electronic transfer of funds deposited straight into your bank account. It replaces the need for paper cheques and saves on mailing time, so you can get the help you need when you need it.
Fast: Receive your refund in as little as eight business days when paper returns could take up to eight weeks. Once you provide consent for your banking information to be shared with the CRA, your direct deposit information will be updated the next day.
Convenient: Take comfort in knowing that your payment amount will always be deposited on time directly in your account regardless of bad weather, unforeseen circumstances or postal disruptions.
Secure: Verify that a payment has been received by checking your bank statement on the account you used to sign up for direct deposit. Plus, direct deposit helps reduce the risk of mail fraud.
CRA Direct Deposit includes payments like:
- Canada Emergency Response Benefit
- Income tax refund
- GST/HST credit and any similar provincial and territorial payments
- Canada child benefit
- Canada workers benefit
How to Sign Up
Log into online banking. From the Account Summary page, select Account Services:
From Account Services page, select Set up CRA Direct Deposit:
From the Payment Information page, click Next after reading description of service:
From Set up CRA Direct Deposit page:
- select account to receive Direct Deposit
- enter SIN
- check off authorization tick box
- click on Privacy Statement to review
- click Next to complete
The Authorization page displays partially scrambled information to be sent to CRA. Click Submit to complete process:
If there is an error with the SIN, the following message will be displayed:
If the submission is successful, the following message will be displayed:
If you have any issues or questions about setup, this contact us at 204-942-1277.
Frequently Asked Questions
Direct deposit is a secure electronic transfer of funds deposited directly into your account at Crosstown Civic Credit Union. Direct deposit replaces the need to issue payments by paper cheque.
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.
The direct deposit service is strictly for individuals using their Social Insurance Number (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.
No, if you have already signed up for direct deposit with CRA you will not need to sign up again. CRA will have all the information on file.
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.
No. Once you are enrolled for direct deposit, you will receive CRA payments such as benefits, credits and refunds directly to your account.
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 payments.
- 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).
- Crosstown Civic 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).
Check out our website crosstowncivic.mb.ca where you can log in to online banking and access a form which will simply and securely transmit your details to CRA.
We will have direct deposit enrolment available to our members by April 9, 2020. You can also sign up for direct deposit and enter your bank details through CRA’s My Account online or by using the MyCRA and MyBenefits CRA apps from your mobile device. For more information, go to canada.ca/cra-direct-deposit.
Once you provide consent for your banking information to be shared with the CRA, your direct deposit information will be updated by Crosstown Civic Credit Union 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.
To complete the online request form you will be required to enter your SIN and confirm the name and date of birth displayed matches your tax records. If the SIN entered does not match the SIN Crosstown Civic Credit Union has on file a message will display asking you to contact us to update this information. If your date of birth is not accurate, contact us to have this information updated before submitting your direct deposit request to CRA.
If you are fully registered for CRA’s My Account, you can verify your direct deposit information through their online self-service portal.
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.