What Is CRA My Account?
Online Portal Features
| Feature |
Benefit |
| View tax info |
Returns, assessments |
| Track refunds |
Real-time status |
| Check contribution room |
RRSP, TFSA |
| Update info |
Address, direct deposit |
| Authorize reps |
Accountant access |
Why You Need It
| Reason |
Details |
| Instant access |
No waiting for mail |
| Auto-fill returns |
Slips imported |
| Direct deposit |
Faster refunds |
| Track everything |
All tax history |
How to Register
Option 1: Sign-In Partner
| Step |
Action |
| 1 |
Go to canada.ca/my-cra-account |
| 2 |
Click Sign-In Partner |
| 3 |
Choose your bank |
| 4 |
Log in with bank credentials |
| 5 |
CRA verifies identity |
| 6 |
Complete registration |
Participating Banks
| Institution |
Available |
| TD Canada Trust |
Yes |
| RBC Royal Bank |
Yes |
| BMO |
Yes |
| Scotiabank |
Yes |
| CIBC |
Yes |
| National Bank |
Yes |
| Desjardins |
Yes |
| Tangerine |
Yes |
Option 2: CRA User ID
| Step |
Action |
| 1 |
Go to canada.ca/my-cra-account |
| 2 |
Click CRA user ID |
| 3 |
Choose Register |
| 4 |
Create user ID and password |
| 5 |
Set up security questions |
| 6 |
Verify identity |
Identity Verification
| Item |
Details |
| SIN |
Social Insurance Number |
| Date of birth |
As on file with CRA |
| Current postal code |
As on file |
| Tax return info |
From prior return |
From Prior Return
| Info |
Why Needed |
| Line from return |
Verifies identity |
| Amount |
Specific dollar amount |
| Year |
Which tax year |
If Can’t Verify Online
| Alternative |
Process |
| Security code by mail |
5-10 business days |
| In-person |
Service Canada office |
| Call CRA |
Sometimes possible |
Setting Up Your Account
After Registering
| Task |
Why |
| Set up direct deposit |
Faster refunds |
| Verify address |
Correct information |
| Review tax history |
Check accuracy |
| Check contribution room |
RRSP, TFSA |
Direct Deposit Setup
| Step |
Action |
| 1 |
Log into My Account |
| 2 |
Navigate to Direct Deposit |
| 3 |
Enter bank account info |
| 4 |
Confirm details |
| 5 |
Save |
Bank Info Needed
| Field |
Details |
| Institution number |
3 digits |
| Transit number |
5 digits |
| Account number |
7-12 digits |
Features Overview
Tax Returns and Assessments
| Feature |
What You Can Do |
| View returns |
Past submissions |
| Notice of Assessment |
View/print |
| Tax slips |
T4, T5, etc. |
| Reassessments |
If any changes |
| Feature |
Details |
| Contribution room |
Current room |
| Prior contributions |
History |
| Deduction limit |
RRSP |
| Participation |
TFSA since 2009 |
Refund Status
| Status |
Meaning |
| Received |
CRA has return |
| Processing |
Being reviewed |
| Assessed |
Process complete |
| Sent |
Refund issued |
Benefits and Credits
| Feature |
What You See |
| GST/HST credit |
Amounts/dates |
| Canada Child Benefit |
Payments |
| Climate Action Incentive |
If applicable |
Auto-fill My Return
What It Is
| Feature |
Details |
| Tax slip import |
CRA sends to software |
| Slips available |
T4, T5, T3, etc. |
| Time saver |
No manual entry |
How to Use
| Step |
Action |
| 1 |
Use certified tax software |
| 2 |
Connect to CRA account |
| 3 |
Authorize software |
| 4 |
Slips auto-import |
| 5 |
Verify accuracy |
What Auto-fills
| Slip |
Information |
| T4 |
Employment income |
| T5 |
Investment income |
| T4A |
Other income |
| T4E |
EI benefits |
| T4RSP |
RRSP withdrawals |
| RRSP receipts |
Contributions |
Security Features
Protecting Your Account
| Feature |
Details |
| Logout automatic |
After inactivity |
| Security questions |
Additional verification |
| Alert messages |
For activity |
| Two-factor |
If enabled |
Tips
| Tip |
Why |
| Don’t share login |
Security |
| Use strong password |
Protection |
| Monitor alerts |
Catch fraud |
| Log out when done |
Public computers |
Authorize a Representative
Allow Access
| Who |
Why |
| Accountant |
Tax preparation |
| Spouse |
Joint management |
| Family member |
Assistance |
How to Authorize
| Step |
Action |
| 1 |
Log into My Account |
| 2 |
Go to Authorize a representative |
| 3 |
Add representative info |
| 4 |
Specify access level |
| 5 |
Rep accepts on their end |
Access Levels
| Level |
What They Can Do |
| Level 1 |
View only |
| Level 2 |
View and request info |
| Level 3 |
View, request, make changes |
Common Tasks
Change Address
| Step |
Action |
| 1 |
Log into My Account |
| 2 |
Go to Personal Information |
| 3 |
Update address |
| 4 |
Save changes |
View TFSA Room
| Step |
Action |
| 1 |
Log into My Account |
| 2 |
Go to RRSP and TFSA |
| 3 |
Click TFSA |
| 4 |
View contribution room |
View RRSP Room
| Step |
Action |
| 1 |
Log into My Account |
| 2 |
Go to RRSP and TFSA |
| 3 |
Click RRSP |
| 4 |
View deduction limit |
Track Refund
| Step |
Action |
| 1 |
Log into My Account |
| 2 |
Go to Returns |
| 3 |
View status |
| 4 |
Check refund issued date |
Troubleshooting
Locked Out
| Issue |
Solution |
| Forgot password |
Reset online |
| Too many attempts |
Wait and retry |
| Revoked ID |
Create new or call |
| Verification failed |
Call CRA |
| Method |
Details |
| Phone |
1-800-959-8281 |
| Hours |
Mon-Fri 9am-9pm |
| Wait times |
Can be long during tax season |
Common Issues
| Problem |
Solution |
| Slips not showing |
Wait until mid-February |
| Wrong information |
Contact employer/issuer |
| Room seems wrong |
May take time to update |
| Can’t link software |
Re-authorize |
Mobile Access
CRA Mobile App
| Platform |
Available |
| iOS |
Yes |
| Android |
Yes |
| Features |
Most My Account features |
App Features
| Feature |
Available |
| View benefits |
Yes |
| Track refund |
Yes |
| View slips |
Yes |
| Update address |
Yes |
Summary
Why Set Up Now
| Benefit |
Details |
| Ready for tax season |
Auto-fill ready |
| Track refund |
Real-time |
| Know your room |
RRSP, TFSA |
| Direct deposit |
Faster money |
Quick Start
| Priority |
Action |
| 1 |
Register online |
| 2 |
Verify identity |
| 3 |
Set up direct deposit |
| 4 |
Link to tax software |