Choose a category to jump directly to questions that match your situation.
CRA Account & Access
How to register for your CRA account (My Account for Individuals)?
Step 1: Provide personal information
- Enter your SIN.
- Enter your date of birth.
- Enter your postal code or ZIP code.
- Enter an amount from one of your tax returns (current or previous tax year, as requested by CRA).
- Create a CRA user ID and password.
- Create security questions and answers.
- Enroll in multi-factor authentication (phone or passcode grid).
After Step 1, you can access limited information. Full services are available after entering your CRA security code.
Step 2: Enter CRA security code
Sign in again through CRA sign-in and enter your CRA security code when prompted.
You can also sign in with a Sign-In Partner (banking credentials) or provincial partners (for example BC Services Card or MyAlberta Digital ID).
Need hands-on help? Contact us for our paid CRA account setup service.
How to authorize us as your CRA representative?
Method 1 (Recommended) - In your CRA account
- Open Profile from the top-right icon.
- Scroll to Authorized representatives.
- Click + Add, then Start.
- Enter RepID: W87Sn73 and click Search.
- Select Authorization Level 2, Online Access Yes, and leave expiry blank.
- Confirm and submit.
You can add or remove representatives from the same profile section.
Method 2
Contact us at (778) 317-8653 or marriataxhub@gmail.com, and we can request authorization by getting your signed authorization form.
How to get your Notice of Assessment (NOA)?
Log into My Account (registration required) to view and print your notice of assessment or reassessment issued after February 9, 2015. For years prior to that, you can see detailed summaries of your notice of assessment or reassessment.
For an NOA or notice of reassessment issued by Revenu Quebec, log into your My Account service (registration required) to view and print a copy (back to 2004).
How to change your address with CRA?
You can change your address with the Canada Revenue Agency (CRA) by using any one of these methods:
- Log in to CRA My Account (registration required) and click "Change my address and phone number(s)" under Related services.
- Contact CRA directly by calling 1-800-959-8281.
- Complete and submit Form RC325.
- Send a signed letter to CRA that includes your SIN, new address, and moving date.
First Time Filing
How can I do CRA direct deposit with my bank?
CRA allows individuals to set up Direct Deposit directly through their bank's online banking. This is one of the fastest and safest ways to receive tax refunds and benefit payments.
When you register through your bank, your information is securely sent to CRA, and Direct Deposit is usually active within 1-3 business days.
Direct Deposit covers CRA payments including income tax refunds, GST/HST credits, CCB, climate action payments, and other benefits.
To register, you typically need your SIN, full legal name, date of birth, and access to online banking. You can choose whether deposits go to chequing or savings.
Steps are similar across banks. Bank-by-bank setup guidance:
- RBC: Sign in, go to More -> Profile & Settings -> CRA Direct Deposit, then follow the prompts.
- CIBC: Go to Account Services and select CRA Direct Deposit to enter your information.
- Scotiabank: Select account -> Account Settings -> CRA Direct Deposit -> Manage, then submit details.
- BMO: Go to Services / Bank Services, find CRA Direct Deposit, and complete the short form.
- TD Bank: In EasyWeb or TD app, open Profile & Settings, choose CRA Direct Deposit, and select your account.
- Simplii Financial: Go to More Services -> CRA Direct Deposit, fill identity details, and choose an account.
- Desjardins: From My Accounts, go to Options -> Direct Deposit - Government Payments, choose CRA, and enroll.
- National Bank: Go to Settings / Services, select Government Payments, then choose CRA Direct Deposit.
- National Bank (mobile demo): Mobile flow reference for CRA direct deposit enrollment.
- Tangerine Bank: Open Profile & Settings, select Government Payments -> CRA Direct Deposit, and submit.
Is there a "Welcome to Canada" GST benefit for everyone?
Not as an automatic payment for everyone. The GST/HST credit is a tax-free quarterly benefit mainly for individuals and families with low or modest income, based on adjusted family net income and CRA eligibility rules.
If you are a newcomer, you may need to apply in your first year (for example with Form RC151, or RC66 if you have children) and keep your tax filing up to date.
For current eligibility details and income thresholds, check CRA: GST/HST credit - Canada.ca.
Filing, Refunds & Benefits
I did not work last year. Do I still need to file my tax return?
Filing a return each year, even if you had no income, can make you eligible for credits and benefits you could otherwise miss.
If you do not file, you may miss benefits such as Canada Child Benefit (CCB), Canada child tax benefit (CCTB), GST benefits, climate incentive payments, Ontario Trillium Benefits (Ontario residents), and other federal/provincial benefits.
When will I receive my GST benefits?
CRA usually sends GST/HST credit payments on the fifth day of July, October, January, and April.
If you do not receive your GST/HST payment on the expected date, wait 10 working days before contacting CRA.
How long will my refund take?
Processing time after filing varies by season depending on CRA volume. Usually, CRA's target is:
- 2-4 weeks when you file online.
- 8-16 weeks when you file a paper return.
What are Canada Workers Benefits?
The Canada Workers Benefit (CWB) is a refundable tax credit to help individuals and families who are working and earning a low income.
The CWB has two parts: a basic amount and a disability supplement. You can claim the CWB when you file your income tax return.
For those entitled to CWB, advance payments of up to 50% of the benefit can be issued through the Advanced Canada workers benefit (ACWB). These payments are usually automatic across 3 payments.
Who is eligible for Canada Workers Benefits?
Basic amount eligibility
You are eligible for the basic amount of CWB if all apply:
- You earn working income and your net income is below the threshold set for your province/territory.
- You are a resident of Canada throughout the year.
- You are 19 or older on December 31, or you live with your spouse/common-law partner or your child.
You are not eligible for CWB if any apply:
- You are a full-time student for more than 13 weeks in the year, unless you have an eligible dependant on December 31.
- You were confined to a prison or similar institution for at least 90 days in the year.
- You do not have to pay tax in Canada due to diplomatic or similar status.
Who is an eligible spouse/common-law partner?
- Lives with you on December 31.
- Is a resident of Canada throughout the year.
An eligible spouse/common-law partner is not eligible if any apply:
- Full-time student for more than 13 weeks in the year unless an eligible dependant exists on December 31.
- Confined to prison or similar institution for at least 90 days.
- Does not have to pay tax in Canada due to diplomatic or similar status.
Who is an eligible dependant?
- Must be your or your spouse/common-law partner's child.
- Must be under 19 and live with you on December 31.
- Must not be eligible for the CWB.
Special Cases & Support
How do I sign the tax return once it is ready?
You receive the completed return electronically for review. Then you sign an authorization form so we can submit electronically on your behalf:
- T183 for CRA filing.
- TP-1000.TE for Quebec filing.
What if I worked cash jobs, got tips, or received unreported income?
You should still report all taxable income, even if no slip was issued. We help you declare it correctly to reduce the risk of penalties, interest, or reassessment later.
I lost my T4 or other slips. What should I do?
If documents are missing, we can often retrieve available slips through CRA access once you authorize us. For Quebec residents, RL slips may also be available through Revenu Quebec.
Do you prepare previous-year or late tax returns?
Yes. We can file prior-year returns and help you catch up if you missed one year or multiple years.
Do you prepare taxes for temporary workers, work permit holders, or caregivers?
Yes. We prepare returns for temporary foreign workers, LMIA/work-permit holders, caregivers, and seasonal workers, including residency and benefit eligibility checks.
What if I worked in more than one province or changed status during the year?
We handle multi-province filing, part-year residency, and status changes (for example student to worker, or newcomer arrival during the year) to keep your return accurate.
Can you help with reassessments, repayment letters, or review/verification letters?
Yes. If CRA or Revenu Quebec asks for repayment, sends a reassessment, or requests documents for review, we can review your case and help you respond with the correct supporting documents.
What if my refund is delayed or not received?
We can help you check return status, identify common delays, and guide next steps until the issue is resolved.
Is my information confidential and secure?
Yes. Your files are handled confidentially under CRA and Revenu Quebec privacy expectations and used only for your tax matters.
Do I need to meet in person to file my taxes?
Most cases can be completed fully online by email and phone/video. In-person meetings may be available by appointment when needed.
EI & CPP Basics
What is EI (Employment Insurance)?
If you are employed in insurable employment, your employer will deduct EI premiums from your pay. There is no age limit for deducting EI premiums.
EI provides temporary financial assistance while unemployed and looking for work, or while upgrading skills. EI assistance may apply in situations such as sickness, pregnancy, caring for a newborn or adopted child, or caring for a seriously ill family member with significant risk of death.
What is CPP (Canada Pension Plan)?
If you are 18 or older and under 65, are employed in pensionable employment, and do not receive a CPP retirement/disability pension, your employer will deduct CPP contributions from your pay.
If you are at least 65 and under 70 and work while receiving CPP or QPP retirement pension, your employer continues to deduct CPP unless you elect to stop contributions.
CPP provides basic benefits when a contributor retires or becomes disabled, and survivor benefits in the event of death.