If you never filed taxes with CRA, it seems you cannot set up a direct deposit with CRA: Firstly of all, you cannot set up my account of CRA without your first notice of assessment from CRA. If you phone CRA, they will tell you to mail the form. if you mail the direct deposit form to CRA, you would get a detailed explanation which tells you if you never filed taxes with CRA, CRA cannot set up the direct deposit for you. It seems like you are in a dead loop and cannot get it done during the landing year. Direct deposit for new settlers is preferable simply because new settlers move more frequently. A "Sneaky" Way to Set up Direct Deposit is to mail the form for a direct deposit anyway and at the same time file for CCB benefits[the timing of both does not matter for a lot of reasons, one of which is the long processing time of CCB applications]. Somehow, CCB application counts as filing taxes with CRA. Due to your filling of CCB, your direct deposit would be processed. You may still get a snail mail that tells you if you never filed taxes with CRA, CRA cannot set up the direct deposit for you, depending on the timing of the delivery of the mails. In reality, the timing issue is not important: CRA would make a note and use direct deposit to pay the CCB to you.