How do I find out if I have CRA uncashed cheques?

Sign in to My CRA Account and open the “Uncashed cheques” service. You will see any amounts linked to your profile. Select items to request reissue and set direct deposit. If you cannot access online tools, contact the CRA and verify your identity to review options.

Do government cheques from the Canada Revenue Agency expire?

No. Government cheques do not expire, so you can claim old refunds and benefits at any time. You may need to confirm identity and update address or banking details. Choosing direct deposit usually speeds payment once the CRA processes your request and verifies your information.

How long does it take to receive a reissued payment?

Timelines vary. Direct deposit is typically faster than a paper cheque, but allow several weeks for processing. Delays can occur if identity checks are incomplete or your address or banking details are out of date. Keep contact details current in My CRA Account to avoid issues.

What should I do with money from CRA uncashed cheques?

Start with the basics: pay down high-interest debt, build an emergency fund, then consider TFSA or RRSP contributions if you have room. Set clear goals and timelines. Keep some liquidity for bills and upcoming tax payments, and avoid new debt that would offset the benefit.

Global Market Insights

CRA’s $1.7B Uncashed Cheques: How to Claim and Why It Matters — January 12

ByHuzaifa Zahoor January 12, 2026January 12, 2026

CRA uncashed cheques are in the spotlight today, January 12. The Canada Revenue Agency says more than 10 million payments worth about $1.7–$1.8 billion remain unclaimed. Government cheques do not expire, so eligible Canadians can still collect. You can check and request reissue through My CRA Account. For investors, a wave of recovered cash could lift Q1 consumer spending and bank deposits. We break down how to claim, timelines, and what the money could mean for your budget and the market.