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The Canada Child Benefit is generally paid on the 20th of each month, and the CRA payment schedule includes October 20, 2026. If you changed banks, check the account CRA has on file before depending on that deposit. A closed account can create an avoidable interruption when older direct-deposit details are still being used.
Timing matters more than an assumption that an online update instantly redirects every payment. CRA says not to close an old account until the first payment has been deposited into the new account. It also says payments can take up to a month to show up in a new account, so a safe overlap protects you while the change settles.
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Why a bank switch can affect a scheduled payment
A scheduled CCB date is useful for planning, but it is not proof that a last-minute banking change will apply to that same payment. Review the banking details early, especially if an account closure is planned. This reduces the chance of discovering a mismatch only after the expected deposit date has passed.
What happens when CRA cannot deposit the payment
CRA says it will mail a cheque if it cannot deposit a payment into your account. The benefit is not automatically lost, but a cheque may not follow the same timing as a successful direct deposit. Keep your mailing address current and use CRA My Account to review information that applies to you.
A practical check before October 20
- Sign in Open CRA My Account and review the direct-deposit information in your profile.
- Compare Match the listed branch, institution and account numbers with the account you intend to keep.
- Update Use the official CRA route or an available financial institution if the old account is listed.
- Wait Keep the previous account open until a CRA payment arrives in the new account.
This guide explains a general preparation step, not an individual payment decision. Check your own CRA account for account-specific information. If a payment is missing, use official CRA contact information instead of sharing banking details with an unsolicited caller, text, or email.
Frequently asked questions
Is October 20, 2026 a CCB payment date?
The CRA publishes October 20, 2026 in its 2026 CCB payment schedule. Check CRA My Account for information specific to your benefits.
Should I close my old bank account after an update?
No. CRA says to wait until the first payment is deposited in the new account before closing the old one.
What if CRA cannot make the deposit?
CRA says it will mail a cheque if it cannot deposit a payment into your account. Keep your mailing address current.
