T4 Deadline March 2, 2026: What to Do If Your T4 Is Late, Missing, or Wrong (Employee Checklist)

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T4 Deadline March 2, 2026: What to Do If Your T4 Is Late, Missing, or Wrong (Employee Checklist) Waiting on a T4 and feeling stuck? You’re not alone — and you don’t have to panic-file (or wait forever). In 2026, the CRA states the 2025 T4 filing due date is March 2, 2026 . That date matters because it affects how quickly you can file, get a refund, and keep benefits/credits on track. This guide is a practical employee playbook for three situations: late T4 , missing T4 , or a wrong T4 — with a checklist you can run in under 15 minutes. 45-second summary T4 deadline: The CRA lists March 2, 2026 as the 2025 T4 filing due date . The CRA also notes that if a due date falls on a weekend/holiday, it moves to the next business day. ( CRA RC4120 ) If your T4 is missing: Ask the employer first, then check CRA My Account after the issuer submits it. ( CRA: Get a copy of your slips ) If you still don’t have it: You can estimate income using pay stubs and...
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CRA Direct Deposit Delays: Bank vs CRA — How to Check

CRA Direct Deposit Delays: Bank vs CRA — How to Check

CRA Direct Deposit Delays: Bank vs CRA — How to Check

TL;DR Summary
  • If a CRA direct deposit is late, the delay is usually either on the CRA side or the bank side.
  • You can often identify the cause by checking CRA My Account and your Notice of Assessment.
  • Verifying deposit details early can prevent longer delays.

When a CRA refund or benefit payment doesn’t arrive on time, it’s natural to wonder who’s responsible. In reality, delays usually happen either before the CRA releases the payment or after it reaches the bank.

How CRA Direct Deposits Normally Work

  • The CRA releases the payment on a scheduled date.
  • The funds are sent electronically to your financial institution.
  • Your bank posts the deposit to your account.

Signs the Delay Is on the CRA Side

  • CRA My Account does not show a payment issued.
  • Your Notice of Assessment lists no refund or payment date.
  • You received a review or verification notice.
  • Status shows “processed” but not “paid.”

In these cases, the CRA is usually still reviewing or holding the payment.

Signs the Delay Is on the Bank Side

  • CRA My Account shows the payment was issued.
  • Your NOA lists a specific payment date.
  • The deposit date fell near a weekend or holiday.
  • Your bank posts government deposits later in the day.

How to Check Step-by-Step

  1. Check CRA My Account for a “payment issued” status.
  2. Review your Notice of Assessment.
  3. Confirm your direct deposit details.
  4. Check your bank’s posting schedule.

Common Issues That Can Involve Both CRA and Banks

  • Recently updated bank information
  • Name mismatches between CRA and bank records
  • Security or fraud-related checks

These situations can delay deposits until the issue is corrected.

If delays continue and funds remain unavailable, CRA collection action may escalate. Read this before it gets worse: CRA collection warning signs before garnishment and bank account freezes .

When You Should Contact the CRA or Your Bank

Contact the CRA if:

  • No payment issue date is shown
  • You received a review or verification notice

Contact your bank if:

  • The CRA confirms the payment was issued
  • Your bank often delays government deposits

Disclaimer: This article is for general information only and is not tax, legal, or financial advice.

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