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CRA Direct Deposit through RBC

Register for CRA Direct Deposit through RBC as a way to receive the Canada Emergency Response Benefit (CERB) faster!

Many Canadians are applying for financial relief through the Canada Emergency Response Benefit (CERB). To access your money faster, we encourage you to sign up for direct deposit from the Canada Revenue Agency. Please note that registering for CRA Direct Deposit does not register you for the CERB. You’ll need to apply for the CERB directly through the CRA website.

Find out more about how to set up CRA Direct Deposit in RBC Online Banking or the RBC Mobile app.

RBC Client Relief Program^

In times of crisis, it’s important to come together as a community to support one another. RBC continues to help support clients through the RBC Client Relief Program. We encourage clients who need access to payment deferrals, or are facing challenging circumstances to schedule a call with an advisor using our online booking tool to discuss available options and how we can help. Changes have been made to some of the deferral programs, including extending the deadline to make requests to September 30. To understand the full support that may be available for managing mortgages, lines of credit, installment and auto finance loans, and credit cards, please speak with an advisor.

The RBC Client Relief Program includes:

Payment Deferrals

Payment deferrals may be available for clients in need of cash-flow assistance. The Program includes options to defer payments for mortgages, credit cards, lines of credit, and installment and auto finance loans.

Fee Waivers

Fee waivers for services, including stop payment fees and ATM statement fees.

Hardship Relief

To support clients facing additional pressure from illness, lost employment or unique family circumstances, clients are encouraged to book a call with an advisor to discuss relief measures.

Business Client Support

For business owners in need, RBC offers customized advice to help relieve financial pressures and disruption.

RBC has various Client Relief options available to
help you during these difficult times.

Visit the pages below to for more information about RBC products, solutions and frequently asked questions and more.

Knowing what to do with your finances can be tough during times like this. We’ve tailored information for you to help you. Visit the pages below to get advice regarding these topics:

Branch Information

As things start to reopen, we want to make sure you can connect with us in a way that works best for you. With that in mind, here are a few things to note:

  • Many branches have reopened however some may still have reduced hours. Before visiting your local branch, be sure to check the Branch Locator for the most up-to-date information.

  • Video conferencing is now available so you can connect with an Advisor from the comfort of your own home.
  • If you prefer a face-to-face meeting, we have introduced safety precautions in our branches, such as Plexiglas dividers.

Whichever way you would like to meet with us, you can easily book an appointment with an Advisor through RBC Online Banking. Once booked, an Advisor will reach out to see whether you’d like to meet via video, over the phone, or in-branch. The choice is yours.

How We’re Keeping You Safe When Visiting a Branch

Based on provincial guidelines and health recommendations, we’re taking the following precautions when you visit your local RBC Royal Bank branch:

  • All clients and employees are asked to use the markings on the floor to maintain a 6 ft. distance while in-branch. We’ve also added maximum branch occupancy limits and installed dividers to allow for distancing.
  • Face masks are recommended, and sometimes mandatory, for in-branch visits. If you don’t have one, a mask can be provided.
  • Hand sanitizer is available at all entrances and exits for your use.

Banking At Home

Our advisors and banking solutions are available to you across a  variety of channels.

The RBC Mobile App and Online Banking are safe, easy-to-use and available 24/7. Clients can:

  • View account balances, transaction history, and your RBC credit card account information
  • Sign up for E-Statements

    Online banking and mobile clients can view some statements electronically. You can also choose to go paperless by “turning off” your paper and access all of your electronic statements. You’ll be notified by email as soon as a new document is available. Log into Online Banking to access your eStatements. If you don’t have access to Online Banking yet, enrolling is simple and quick.

    To access your documents electronically through Online Banking:

    • On the home screen of Online Banking, choose “Statements/Documents”
    • Choose “Manage Document” to turn off Paper
    • Choose “View eDocuments” to see all your existing statements

    To access your documents electronically through the Mobile App:

    • Tap “More” in the Navigation Bar
    • Under “Services”, tap “Statements”
    • Select an account to view your statement.

    See what it's like to view your account statements in the RBC Mobile app.

  • Send and receive money with Interac e-Transfer (and Interac Request Money for business clients)
  • Make Canadian bill payments
  • Deposit cheques
  • Manage your other banking needs

RBC Online Banking

Sign In

Enroll Now

RBC Mobile App

Download The App

Or text "RBC" to 722722 and we'll text you the link.

Need help with Online Banking or the
RBC Mobile app?

Travel Updates

Get more COVID-19 information for cardholders

Travel and Insurance:

In accordance with the latest travel advisories, we do not recommend that clients book new travel at this time, unless it is to arrange for return travel home.

RBC Rewards / Avion:

Our primary focus is the safe return of our clients currently travelling and needing to get home. As our Travel Rewards Call Centre prioritizes calls for clients that are currently away, please visit the RBC Rewards COVID-19 Travel Advisory page to learn more about RBC Rewards points, changes, cancellation policies and travel insurance about an upcoming trip.

Additional non-travel RBC Rewards offerings have been impacted by COVID 19, get the latest information here.

Trip Cancellation / Trip Interruption:

You may be eligible to submit a trip cancellation / trip interruption claim for travel booked prior to March 13, 2020 at 5:30PM (EST). Click here for more detailed information. Please be advised that claims related to COVID-19 will not be payable if the policy was purchased or the trip was booked/paid on an RBC Credit Card, on or after March 13, 2020 at 5:30PM (EST).

Emergency Medical Insurance:

Please be advised that travelling to destinations under a travel advisory can have implications on emergency medical coverage. If you travel to a destination that the Government of Canada has advised Canadians to “Avoid all Travel” or “Avoid all non-essential Travel”, and you contract COVID-19, you will not be covered under emergency medical insurance. This is effective as of the travel advisory issued March 13, 2020 at 5:30pm (EST). Visit for more information.

In the Community

Community Response

RBC is committed to supporting COVID-19 community response efforts in Canada, the U.S. and globally.

We are actively working with our community partners, subject matter experts, and the public and private sectors to understand and determine where the greatest community needs are and how to continue delivering the right support where and when it is needed most.

To date, RBC businesses have committed $9 million in support of COVID-19 community response efforts:

Food Security

RBC has donated funds to respond to community needs in Canada, the U.S. and globally to charitable partners including Food Banks Canada and Feeding America.

Mental Well-being

RBC is a founding partner of the Mental Health Fund. RBC is helping support Crisis Text Line (United States), Kids Help Phone (Canada), Shout (UK) and (Ireland) to provide mental well-being supports to young people.

Demi Lovato, Royal Bank of Canada, Virgin Unite, and Draper Richards Kaplan Launch Coronavirus Mental Health Fund

Strategic preparedness and response

RBC has donated funds to The World Health Organization’s COVID-19 Solidarity Response Fund.

RBC is providing support to a team of researchers at Sinai Health and the University of Toronto with funds to back the early stages of developing a blood test that can identify who is immune to COVID-19 on a mass scale.

Apply for Funding

Our Partner Network

During these uncertain times, RBC recognizes that charities and non-profit organizations are particularly vulnerable. Relying solely on donations, corporate gifts, and government support – streams of revenue which have all been largely disrupted by the stresses of COVID-19 – these organizations are not only facing uncertainty, but could be confronting irreversible damage to non-profit sector.

RBC Foundation is supporting our community partners in the following ways:

  • No interruptions to their committed funding – or to any commitments made within the last year.
  • Any commitments made to fundraising events forced to cancel will be honoured.
  • Increased flexibility is being provided to our partners by allowing them to shift up to 50% of their funding to support operational expenses.
  • Revisions to program impact reporting requirements given community-focused programming will be significantly impacted in the months to come.


Hiring Summer Students

RBC welcomed nearly 1,400 summer students this year, to provide a meaningful work experience. All of the students are working for RBC from home.

RBC Future Launch

RBC Future Launch is a critical focus for us. This ten-year, $500 million commitment is helping empower Canadian youth for the jobs of tomorrow.

Our collective commitment to helping young people prepare for the future of work remains unwavering, and in an effort to better meet the immediate needs of young people during the uncertain weeks and months ahead, RBC Future Launch has created a new webpage dedicated to virtual programming – RBC Future Launch at Home. Together with our partners, we’re working closely to identify opportunities to pivot and adapt their programming to ensure that young people will be able to access it. We want to continue to facilitate learning opportunities and offer resources for young people – even if that means doing so in a virtual setting!

Frequently Asked Questions

RBC Client Relief Program

RBC introduced the Client Relief Program with flexible financial relief programs for personal and business clients who have been impacted by COVID-19, including illness, loss of income, caring for a sick relative. Qualifying products include mortgages, personal loans, car loans, and credit cards. For more information, book an appointment with an advisor.

To understand what financial support is available to you, please book an appointment with an advisor.

To help clients with immediate relief, many of these programs are available in RBC Online Banking to allow you to request to defer one monthly payment on some credit products including mortgagesand loans. The online request form for one month deferral is not available for credit cards. We are committed to help provide support, and encourage you to speak with an advisor and book an appointment online.

There are no specific fees or penalties in order to obtain relief under the program. However, deferring a payment could result in other impacts such as changes to the amount you owe or your repayment schedule or increasing your minimum payment or outstanding balance on your credit card. You should carefully evaluate your financial situation and priorities before exercising any of these options.

See the details regarding your particular product.

No, not for the current term of your mortgage. The deferred interest will be added to the outstanding balance and interest will be charged on this new balance.  Clients still need to pay their property taxes, creditor insurance and property insurance on a current basis.

Credit cards and personal loans qualify for financial relief if you are eligible. See the details about your particular product.

Yes, the financial relief program is available to any client experiencing financial hardship resulting from COVID-19. If you cannot activate a deferral through online banking using our self-serve tool, please book an appointment online to speak with an advisor to set up the skipped payment. Some restrictions apply.

At this point we intend to continue to make the program available until September 30th, 2020 meaning that a client would have until that date to elect to make a request to defer payments. 

Yes. For example if you choose to defer up to 6 monthly mortgage payments now, and your circumstances change, you can recommence payments at any point.

Please contact an advisor to request deferrals up to a maximum of three months. Please note that approval of deferral requests are not guaranteed.

For more information, book an appointment with an advisor.

Yes. Please note that request approvals are not guaranteed.

For more information, book an appointment with an advisor.

Deferred payments will not be reported to credit bureaus as missed payments.

Your advisor will inform you of your eligibility for a payment deferral request.

Interest will continue to accrue at your annual interest rates during the period you are receiving a minimum payment deferral – the relief period. We will add your interest charges to your outstanding balance, along with any transactions, which may cause your outstanding balance to increase during the relief period. Rest assured that we do not charge interest on accrued interest.

To further help you during this difficult time, if you are receiving a minimum payment deferral, you will be provided with a credit to your credit card account to reimburse you for 50% of the interest charged to your account during the period you are receiving the deferral. This credit will be displayed on your upcoming statement. After the relief period you will no longer receive credits to your account for your interest charges.

Choosing to defer a credit card payment will not impact your coverage. If your credit card account is protected with BalanceProtector insurance you may be eligible to submit a claim in the event of a job loss due to a layoff or dismissal without cause. Please visit the Assurant® website to submit a claim with the insurer. Please note that BalanceProtector premiums will continue to be charged to your account and increase your outstanding balance. Interest will not be charged on BalanceProtector premiums.

RBC will provide eligible clients with a credit to assist with offsetting the interest charged during the deferral period on deferred interest payments for loans that charge interest on deferred interest. We do not charge interest on accrued interest on your credit cards.

No action is required. We will process a onetime credit at the end of the loan payment deferral period to ensure we capture all clients who have deferred payments and who have an open personal mortgage/loan account in good standing when the credit is processed. The credit will appear on your statement towards the end of the year.

The amount of compound interest charged during the deferral period is a factor of the interest rate, principal amount and how many monthly payments have been deferred. For example, if you are deferring for six months, with a $250,000 mortgage and paying 3% interest, the compound interest amounts to $32.80 during the deferral period.

You still need to repay deferred principal and interest payments. We will be crediting the interest on interest accrued during the deferral period, and that’s calculated based on your interest rate, principal amount and how many monthly payments have been deferred.


For the health & safety of our employees and communities, RBC has temporary closed a number of branches. As  some branches begin to reopen, we encourage you to check the branch locator to find out which branches are open. We continue to we ask clients to limit branch visits for urgent matters that must be done in-person. We are limiting the number of clients allowed in the branch at any given time, to practice physical distancing – for both employees and clients. We’ve also installed Plexi Protection Screens to create a safer working environment. We encourage clients to only come to the branch if it is essential to do so, and to please use RBC Online Banking or the RBC Mobile app if at all possible.

Our priority is the safety and wellbeing of our employees and our clients. We have increased frequency of cleaning, with daily disinfection of our retail branches and ATMs, and will continue to enhance our cleaning protocols as we need to.

In the event of a branch closure, a notice will be posted on the branch door. To find the next closest location, simply visit Our Branch locator will also have updated information on whether your branch is open or closed. For immediate financial needs or access to your safe deposit box, please use our online appointment booking tool to schedule a call with your advisor.

RBC remains committed to supporting you through all channels. As always, the RBC Mobile App and online banking are safe, easy and available 24/7. You can:

  • View account balances, transaction history, and your RBC credit card account information
  • Sign up for e-Statements
  • Send money with Interac e-Transfer
  • Make Canadian bill payments
  • Manage your other banking needs

Click here to sign into Online Banking. For more information on how to sign up for online banking or to download the RBC Mobile App click here.

Please see the full list of closed branches. Check the branch locator for the most current information.


We will continue to offer our perspectives to help you navigate through these uncertain times Book an appointment online to speak with one of our advisors, to discuss your immediate needs. We’ll do our best to help you to feel more at ease.

There are other actions clients can consider to ease cash flow challenges. For example:

  • If you currently have an accelerated payment (weekly/bi-weekly) on your mortgage, you can use our self-serve tools to move back to a regularly monthly payment.
  • If you had previously elected to pay a higher payment in order to pay your mortgage down more quickly, you can reduce your payment using our self-serve tools to reduce it to the original amount.
  • You can change your elections later during the time that the RBC Client Relief Program is available. For example you could defer one or two payments now until you have a better understanding of how you will be impacted in the longer term.

Foreign exchange requests are not currently available for ordering online. For urgent foreign exchange requests, please go to your local branch. Please note, RBC has announced plans to temporarily close select branches nationally, due to COVID-19. We ask that you check the branch locator for the most current information prior to your visit.

We apologize for the letter you received in error regarding an interest rate increase to your account. Please be assured that the rate increase is not being applied. The events surrounding COVID-19 are truly unprecedented and we understand how much they are disrupting the daily lives of Canadians. For important updates related to the COVID-19 outbreak and banking information, please visit

In light of the situation regarding COVID-19, and to best support our clients during this time, we are not moving forward with any of these account changes at this time—they will not be taking effect June 1, 2020.

As we all deal with the unprecedented impacts of COVID-19, we’re hearing from a number of clients who need help to stop payments. We want to remind you that you can use RBC Online Banking to manage stopping pre-authorized bill payments or cheques that are coming out of your bank account. Please visit for step-by-step instructions on how to stop a payment in RBC Online Banking.

In addition, to help our clients through this time, we are temporarily waiving fees for stop payments effective April 3, 2020 - September 30, 2020. Note, when you submit a stop payment request, it only stops the next payment to a payee, and a request must be submitted for each individual payment you wish to stop (for example, if you have a series of payments set up). If you choose to stop a payment, please also remember that you must first ensure that the cheque or debit to be stopped has not already been paid or processed through your bank account, and that you must also ensure the payee is notified of the stop payment.

(Stop payments for pre-authorized payments on your RBC credit card must still be handled with the merchant directly.)

Enrolling in Online Banking is simple and quick. Acceptance is immediate. You will need your loan number to enroll. This can be found on your Auto Finance welcome letter and/ or Annual Statement Letter.

  • 1. Welcome letter:
    • You can find your transit and account number at the bottom of the page (personal clients) or in the blue box in the centre of the page (Business Vehicle Solutions clients).
  • 2. Annual Statement letter:
    • You can find your transit number, in the top left-hand corner of the page, it is next to the branch address after the postal code.
    • You can find your account number in the ‘Details of Your Loan’ box in the centre of the page.

The Government of Canada has announced a 25% reduction to the minimum withdrawal amount for Registered Retirement Income Funds (RRIFs) in 2020. Understand what this change may mean for you.

Learn more about this change

Holds are put in place to ensure the accuracy and legitimacy of a cheque. If you are regularly receiving a government or employer cheque, consider automatic direct deposit to avoid holds.

There have been reports of COVID-19 related phishing scams cropping up. For more information on these current scams and other important information, please visit our Cyber Security Alerts page. Get more tips on how to protect yourself from COVID-19 scams and how to protect yourself online.

While you continue to practice physical distancing including minimizing trips to the branch, we encourage you to view your balance, transactions and statements within RBC Online Banking or mobile channels. Should you want a printed record between monthly statements, we continue to offer mini statements from our ATMs. Effective April 6, 2020 there will no longer be a fee for these statements at the ATM.

There is no change or exception in your ability to apply for coverage or file an eligible claim. Please refer to your certificate of insurance for details about specific coverages, coverage eligibilities, limitations and exclusions. Please note that epidemics or pandemics, such as COVID-19, are not a limitation or exclusion to these insurances.

If your credit card account is protected with BalanceProtector insurance, you may be eligible to submit a claim in the event of a job loss due to a layoff or dismissal without cause. Please visit the Assurant website to submit a claim with the insurer. Job loss is not a coverage available under HomeProtector Insurance and LoanProtector Insurance.

Yes. In Online Banking, you can temporarily change your daily ATM cash withdrawal limit as well as your daily in store purchase limit. You may be able to temporarily change these limits up to three times per calendar year for a maximum duration of 60 calendar days each time.

To make temporary changes to your daily limits for ATM withdrawals or in store purchases:

  • Sign in to RBC Online Banking
  • On the Accounts Summary page, select Daily Transaction Limits under My Services, on the right side of the page
  • Click Edit Limits above the Daily Transaction Limits table, on the right
  • To set your temporary ATM withdrawal or in store purchase limits, slide the selector right or left to increase or decrease your limit. You can also type your new limit to the nearest multiple of 10 in the box on the right
  • Choose your expiry date and click Next
  • Review your information and click Confirm

CRA Direct Deposit

Starting April 3, RBC clients can use RBC Online Banking and RBC Mobile app to enroll in the Canada Revenue Agency (CRA) Direct Deposit service for CRA payments – including payments to be received by eligible clients who apply for the Canada Emergency Response Benefit (CERB) through the Government of Canada.

Starting April 6, eligible clients will be able to apply for CERB through the Government of Canada.

Clients who are already registered for CRA Direct Deposit do not need to register again and only need to apply for CERB beginning April 6.

For questions and information about CERB, please visit the Government of Canada’s website.

The CRA can still issue cheques for CRA payments. For any questions related to your CERB benefits, please contact the CRA directly at 1-800-959-8281.

Yes. You have two options:

For RBC digital enrollment, if you are unable to sign up on your own and need support, you can have one of our advisors call you by using our online booking tool. We encourage you to use our online booking tool as we’re trying to limit the number of people visiting our open branches and calling into our advice centre.

If you do not have digital access (online or mobile), you can phone our advice centre at 1-800-769-2555, but please note you will experience longer than usual wait times.

If you enrolling through the CRA, please contact them directly at 1-800-959-8281.

It can take 1-2 business days from the day CRA instructs RBC to deposit the funds using direct deposit, but processing times can vary.

You may want to return or repay the CERB if you:

  • return to work earlier than expected
  • applied for CERB but later realize you’re not eligible

If you still have the original CERB cheque

You can return the cheque by mail to the address below.

If you don't have the cheque or were paid by direct deposit

You can mail your repayment to the CRA.
Be sure to:

  • Make payment out to "Receiver General for Canada"
  • Indicate it is for "Repayment of CERB"
  • Include your Social Insurance Number (SIN) or your Temporary Tax Number (TTN)

Mail your payment to

Revenue Processing – Repayment of CERB
Sudbury Tax Centre
1050 Notre Dame Avenue
Sudbury ON P3A 0C3

For more information, please visit the CRA website detailing all specifics relating to Canada Emergency Response Benefit

Supporting communities affected by COVID-19

RBC has committed an initial $2-million in support of COVID-19 community response efforts. As a first step, RBC will be donating funds to respond to community needs in Canada, the U.S. and globally to charitable partners including Food Banks Canada; Feeding America and The World Health Organization’s Covid-19 Solidarity Response Fund.