Direct Deposit

The Government of Canada has phased out the printing of most government cheques as of April 2017, moving toward electronic direct deposits.

Direct Deposit is a fast, easy and secure way to get your payments on time in the event of an emergency or unforeseen circumstance. Register today to avoid delays!

Learn more:

What is Direct Deposit?

Every Canadian with a bank account is eligible for direct deposit. It is the electronic transfer of funds that allows Government of Canada payments to be deposited directly into your bank account instead of issuing you a cheque. You do not need a computer or internet access, and can continue to access your bank account as usual.

Direct deposit is:

  • Convenient – You have faster access to your money, with virtually no risk of your payment being delayed as a result of unforeseen circumstances.
  • Reliable – Your payment will always be on time, and your money can begin to earn interest right away.
  • Secure – Your direct deposit payment is safe and secure with virtually no risk of your payment being lost, stolen or damaged.
  • Low-cost – With fewer cheques to print and mail, the government is saving Canadian taxpayers’ money.

Types of Payments Included

The following types of payments are included and can be converted to direct deposit:

  • Payroll
  • Employment Insurance (EI)
  • Old Age Security (OAS)
  • Canada Pension Plan (CPP)
  • Public Service Pension 
  • Veterans Affairs Pension
  • War Veterans Allowance
  • Canadian Forces Pension
  • Goods and Services Tax(GST)/Harmonized Sales Tax (HST) Refunds and Rebates
  • Personal Tax Refunds
  • Corporate Income Tax Refund
  • Canada Child Tax Benefit (CCTB)
  • Universal Child Care Benefit (UCCB)
  • Federal Departments Accounts Payable

Set Up Direct Deposit

Filling out Government forms can be overwhelming. At CUA, we’re happy to help you complete your direct deposit set-up quickly at any one of our eight convenient branch locations, or by phoning our Customer Contact Centre at 902.492.6500. 

Set up CRA Direct Deposit through online banking

CRA’s Direct Deposit is a fast, convenient and secure way to receive your payments or refunds:
  1. Sign into online banking at
  2. From the left-hand menu, select Account Services and then Set Up CRA Direct Deposit.
  3. Follow the prompts, confirm your name and date of birth, and select the account you want to use for deposits.
  4. Agree to the Terms of Service, select Submit and you’re finished!
Mailed Form

If you prefer to do-it-yourself, you'll need:
Government “My Account” Online Service

The Government departments listed below offer online service that requires you to register and obtain a login and password. Login to My Account, enter your direct deposit details and the Government will instantly update their systems; no waiting required.

  • Employment Insurance (EI), Canada Pension Plan (CPP), and Old Age Security (OAS) 
  • Canada Child Tax Benefit (CCTB), Universal Child Care Benefit (UCCB), GST/HST credit 
  • Veterans Affairs Canada
Employer Payments with Direct Deposit

Ask your employer if direct deposit is available to you and what information is required to have your pay cheque automatically deposited into your CUA account. Your employer may have their own form, or if you have a cheque, you can also mark it as “VOID” and staple it to the form. Sign the printed form and submit it to your employer’s human resources department.

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