Direct Deposit

Enrol for direct deposit to get your Canada Emergency Response Benefit (CERB) or Canada Emergency Student Benefit (CESB) payment quicker.

Eligibility to enrol for direct deposits for CERB or CESB

To be eligible to enrol for CERB or CESB direct deposit with the Canada Revenue Agency you must have filed at least one income tax return in the past.

If you have never filed a Canadian tax return, you must first call 1-800-959-8281 to register your Social Insurance Number with the CRA. You will not be able to apply for CERB/CESB or set up direct deposit until you call and register your Social Insurance Number.

Learn how to set up direct deposit so you can get your money faster.

Watch the Demo Watch the demo

How direct deposit works?

Set up your eligible account for direct deposit from the comfort of your home and CERB or CESB payments from the CRA will be deposited directly to that account.

To be eligible to enrol for CERB or CESB direct deposit with the Canada Revenue Agency you must have filed at least one income tax return in the past.

If you have never filed a Canadian tax return, you must first call 1-800-959-8281 to register your Social Insurance Number with the CRA. You will not be able to apply for CERB/CESB or set up direct deposit until you call and register your Social Insurance Number.

How does the direct deposit process work for CERB or CESB?

In order to receive CERB or CESB through direct deposit, you must do 2 things:

  1. Apply and be approved for CERB or CESB
  2. Set up direct deposit 

To find out more about and to apply for CERB please visit the Government of Canada website

To find out more about and to apply for CESB, please visit the Government of Canada website.

To be eligible to enrol for CERB or CESB direct deposit with the Canada Revenue Agency you must have filed at least one income tax return in the past.

If you have never filed a Canadian tax return, you must first call 1-800-959-8281 to register your Social Insurance Number with the CRA. You will not be able to apply for CERB/CESB or set up direct deposit until you call and register your Social Insurance Number.

To enrol in direct deposit through Scotiabank, you’ll need:   

  • Your Scotia OnLine or mobile banking app sign-in credentials 
  • A chequing or eligible savings account 
  • Your Social Insurance Number (SIN), if it’s not already on file

Direct Deposit FAQs

Enrolling for direct deposit will help ensure your payments are delivered more quickly, without the delays that can be experienced through traditional mail delivery. 

To be eligible to enrol for CERB or CESB direct deposit with the Canada Revenue Agency you must have filed at least one income tax return in the past. 

If you have never filed a Canadian tax return, you must first call 1-800-959-8281 to register your Social Insurance Number with the CRA. You will not be able to apply for CERB/CESB or set up direct deposit until you call and register your Social Insurance Number. 

Watch the Direct Deposit Demo

Enrol for Direct Deposit

No, this enrolment for direct deposit is only for choosing your method of receiving your benefit payment.

The Canada Emergency Response Benefit enrollment is accessible through the Government of Canada website.

The Canada Emergency Student Benefit enrollment is accessible through Government of Canada website.

To be eligible to enrol for CERB or CESB direct deposit with the Canada Revenue Agency you must have filed at least one income tax return in the past.

If you have never filed a Canadian tax return, you must first call 1-800-959-8281 to register your Social Insurance Number with the CRA. You will not be able to apply for CERB/CESB or set up direct deposit until you call and register your Social Insurance Number.

Watch the Direct Deposit Demo

Enrol for Direct Deposit

The Government of Canada recommends signing up through your bank as the easiest way.

To be eligible to enrol for CERB or CESB direct deposit with the Canada Revenue Agency you must have filed at least one income tax return in the past.

If you have never filed a Canadian tax return, you must first call 1-800-959-8281 to register your Social Insurance Number with the CRA. You will not be able to apply for CERB/CESB or set up direct deposit until you call and register your Social Insurance Number.

To begin receiving payments directly into your Scotiabank account, you can sign up on the Scotia mobile banking app or through Scotia online banking.

During the sign up process with Scotiabank, we’ll auto-populate your account number and, in cases where we have it on file, your Social Insurance Number (SIN). In most cases, the only step you need to take is consenting to share your information with the Canada Revenue Agency. If we do not have your SIN, you can add that during the enrolment process and we will send it to the CRA without updating it in your Scotiabank profile.

If you have multiple eligible accounts on file, you will be able to select the account you would like the payment to be deposited into.

If we do not have your SIN and you do not wish to provide it through this process, you can sign up for direct deposits directly through the Canada Revenue Agency website.

Watch the Direct Deposit Demo

Enrol for Direct Deposit

The Scotia mobile banking app or Scotia Online Banking are easy and convenient ways to sign up without having to visit a branch. We do offer sign up through your local branch, but recommend you enrol through our mobile banking app or Scotia OnLine Banking whenever possible. You are currently not able to enrol over the phone through our Contact Centre.

Watch the Direct Deposit Demo

Enrol for Direct Deposit

When signing up for direct deposits, your personal information will be auto-populated for you in your enrolment form. If we don’t have your Social Insurance Number (SIN) on file, you’ll first need to update your customer profile with your SIN through Scotia OnLine. After logging in, select Manage My Accounts, and then Profile. You can update your SIN on your Personal Profile page. Once that’s updated, you can sign up.

To be eligible to enrol for CERB or CESB direct deposit with the Canada Revenue Agency you must have filed at least one income tax return in the past.

If you have never filed a Canadian tax return, you must first call 1-800-959-8281 to register your Social Insurance Number with the CRA. You will not be able to apply for CERB/CESB or set up direct deposit until you call and register your Social Insurance Number. 

Watch the Direct Deposit Demo

Enrol for Direct Deposit

While the Government of Canada is recommending signing up through your bank, you can provide information directly to the Canada Revenue Agency if you prefer. Your account information is available through Scotia OnLine or on the Scotia mobile banking app.

Watch the Direct Deposit Demo

Enrol for Direct Deposit

As each Canadian has a unique SIN, it’s used to identify you with the Canada Revenue Agency and ensure payment goes to the right individual.

Watch the Direct Deposit Demo

Enrol for Direct Deposit

Yes, two people may request that their payments be deposited to the same account. 

Watch the Direct Deposit Demo

Enrol for Direct Deposit


At the end of the enrolment process with Scotiabank, you’ll be given a reference number to confirm that your information has been shared with the Canada Revenue Agency. You can also verify that your profile was updated by visiting the Canada Revenue Agency website two business days after enrolling.

Watch the Direct Deposit Demo

Enrol for Direct Deposit

To be eligible to enrol for CERB or CESB direct deposit with the Canada Revenue Agency, you must have filed at least one income tax return in the past.

If you have never filed a Canadian tax return, you must first call 1-800-959-8281 to register your Social Insurance Number with the CRA. You will not be able to apply for CERB/CESB or set up direct deposit until you call and register your Social Insurance Number.

Watch the Direct Deposit Demo

Enrol for Direct Deposit

You don’t need to sign up again. The Canada Revenue Agency will use the account information you’ve already provided for your direct deposits payments.

Watch the Direct Deposit Demo

Enrol for Direct Deposit

Please visit the Canada Revenue Agency website to get more details.

Watch the Direct Deposit Demo

Enrol for Direct Deposit

The most recent enrolment you complete will become the account on file with the Canada Revenue Agency. Direct deposits will only be made into one account, at one financial institution.

Watch the Direct Deposit Demo

Enrol for Direct Deposit

This enrolment is only for individuals who are looking to receive a Canada Emergency Response Benefit or Canada Emergency Student Benefit payment. This is not an enrolment option for Businesses.

Watch the Direct Deposit Demo

Enrol for Direct Deposit


CERB and CESB Payment FAQs

For the most up-to-date CERB information, please visit the Canada Revenue Agency website for more information.

For the most up-to-date CESB information, please visit the Canada Revenue Agency website website for more information. 

Watch the Direct Deposit Demo

Enrol for Direct Deposit

For the most up-to-date CERB information, please visit the Canada Revenue Agency website for more information.

For the most up-to-date CESB information, please visit the Canada Revenue Agency website for more information.

Watch the Direct Deposit Demo

Enrol for Direct Deposit

There will be no impact on timing of payments if registration is done through Scotiabank or the Government website. Signing up through Scotiabank will ensure the Canada Revenue Agency has the most accurate information so that you can receive your payment as quickly as possible.

Watch the Direct Deposit Demo

Enrol for Direct Deposit

The deposits will show as being made by the Receiver General. The description on your statement will read Federal Payment FED.

Watch the Direct Deposit Demo

Enrol for Direct Deposit

Any amounts paid to you by the Canada Revenue Agency will be deposited into your account. You can find more information on the Canada Revenue Agency website.

Watch the Direct Deposit demo

Enrol for Direct Deposit

You’ll see the deposit transaction in your account when the payment has been made. You can see your transactions in your account through the Scotia mobile banking app or Scotia Online Banking.

Watch the Direct Deposit demo

Enrol for Direct Deposit

For the most up-to-date CERB information, please visit the Canada Revenue Agency website  for more qualification details.

For the most up-to-date CESB information, please visit the Canada Revenue Agency website  for more qualification details.

Watch the Direct Deposit demo

Enrol for Direct Deposit

If you have never filed a Canadian tax return, you must first call 1-800-959-8281 to register your Social Insurance Number with the CRA. You will not be able to apply for CERB/CESB or set up direct deposit until you call and register your Social Insurance Number.  

Your enrolment can be used for other government payments. For more details on which types of payments apply, please visit the Canada Revenue Agency website.

Watch the Direct Deposit Demo

Enrol for Direct Deposit

You may want to return or be required to repay CERB payments you have received if you:

  • Return to work earlier than expected, including being paid retroactively
  • Applied for CERB but later realize you are not eligible
  • Applied for and received the CERB from CRA and Service Canada for the same eligibility period

For more information and to find out repayment options please visit the Government of Canada website.

Yes, by following the enrolment process again and selecting a different account. The last account information you provide will be used for your direct deposit. You can also update your bank account information on the Canada Revenue Agency website.

Watch the Direct Deposit demo

Enrol for Direct Deposit

Yes, you’ll need to sign up for direct deposit for these new benefits since they’ll be administered through the Canada Revenue Agency.

Watch the Direct Deposit demo

Enrol for Direct Deposit

Please visit the Canada Revenue Agency website to log in to your CRA account and verify your banking details. If you don’t have an account, you can create one through the CRA website. To change the account you receive a payment in, follow the enrolment process and select the account you’d like to have deposits made to. The most recent account submitted will be used for direct deposit.

Watch the Direct Deposit demo

Enrol for Direct Deposit