Cheques from the Canada Revenue Agency (CRA) can get lost in the mail, they could have been sent to an old address, or you could have simply misplaced one and forgotten all about it.
So, what do you do in that case?
It’s always better to be sure that you’re not missing out on money that is yours.
In this article, we’ll walk you through how to check if you have uncashed CRA cheques – with or without a CRA MyAccount.
How To Check CRA MyAccount For Uncashed Cheques?
The quickest and simplest way to figure out if you have uncashed CRA cheques is through your CRA MyAccount.
If you already have a CRA MyAccount, the process is very straightforward.
Here are the steps and a screenshot below:
- Sign in to your CRA MyAccount.
- Go to the ‘Overview’ page which is the page you will be on when first logging in, scroll down to the end of the Related Services column on the right side and click on ‘Uncashed Cheques’. There, you’ll be able to see if you have any outstanding cheques.
- If you do, fill out form 535 (available on the same page) to request a new cheque or direct deposit payment and submit it through MyAccount. Keep in mind that you’ll have to print out the form and sign it, and get another non-family member to sign it as a witness, along with both of your names and home addresses underneath each signature. It’s imperative that you fill out the form the right way, or else it’ll be sent back to you.
If you don’t want to submit form 535 through MyAccount, you can also mail it to the following address:
Sudbury Tax Centre
Post Office Box 20000, Station A
Sudbury, ON P3A 5C2
I Don’t Have a CRA MyAccount
If you don’t have a CRA MyAccount, you can still check if you have uncashed CRA cheques.
We’ll walk you through some alternative options below.
Option 1: Register Online
Here’s how to register for the CRA MyAccount portal online:
- Go to this page to register for a CRA user ID and password.
- Enter your SIN, your date of birth and your current postal code.
- You will be prompted to input an amount you entered on one of your previous income tax and benefit returns, either from the current tax year or the year prior. You must have filed a tax return for at least one of the last 2 years to do this part, so have your returns on hand.
- Create your user ID and password and choose your security questions and answers.
- Now, you’ll be able to log in to your MyAccount, but you’ll have limited access. Once you receive your CRA Security Code in the mail (within 10 business days of registering), you’ll be able to access the full services of the CRA portal.
On My Account, you can also review your Notice of Assessment (NOA), information about tax refunds owed to you or tax payable and other tax-related information.
Option 2: Calling the CRA Line
Another way to verify if you have any uncashed cheques is by calling CRA directly.
Call their Individual tax enquiries line at 1-800-959-8281 and the Benefit enquiries line at 1-800-387-1193 to speak to a representative.
They will ask you some security questions and then will verify your account.
If you have uncashed cheques, they’ll send you the forms you need to fill out to get the payment reissued.
The best way to minimize the amount of uncashed CRA cheques is by signing up for direct deposit, so that your money gets deposited straight to your bank account.
Frequently Asked Questions
- How long does it take CRA to process uncashed Cheques?
If you submit form 535 online through CRA MyAccount, it usually takes about 2 weeks for CRA to issue a new payment. However, if you’re mailing in forms, expect to wait at least 4 weeks from mailing your form in.
- How long is a cheque valid in Canada?
In Canada, regular cheques are only valid for 6 months from the date they are written. CRA cheques, on the other hand, don’t expire and are valid regardless of how much time has passed.