Canada Pro Deposit 2021: What Is It?

If you received a Canada Pro deposit in your bank account and wondering what it is, you’re not alone.

In this post, you’ll learn what it is, its eligibility, how to confirm the payment and the payment dates for the Canada child and family benefits.

Note for Alberta Residents: Several people have reported receiving a Canada Pro deposit in their bank account on August 27, 2021. If you did, then the payment is your ACFB quarterly payment.

Check below to learn more about the benefit and how much you can expect.

What is Canada Pro?

Canada Pro is a deposit made by CRA for Child and Family Benefits programs of different provinces, notably Ontario and Alberta.

If you’re an Ontario resident, the payment will be for the Ontario Trillium Benefit (OTB).

The money is paid as a lump-sum or spread over 12 months (July to June), depending on your OTB entitlement for the year.

For example, you should receive a lump-sum payment of the credit by July 10 2021 if your 2021 annual entitlement is less than $360.

If it’s over $360, you can choose to receive it over 12 months or wait to get it a lump-sum in 2022.

Alberta Residents: If you’re an Alberta resident, it is for Alberta Child and Family Benefits (ACFB).

What is Canada Pro Deposit? And who is eligible

Who is eligible for Canada Pro?

As an Ontario resident, you’re eligible for Canada Pro if you qualify for Ontario Trillium Benefit (OTB).

OTB is the combined payment for 3 tax credits that the Canada Revenue Agency (CRA) administers on behalf of Ontario. The credits are:

  • Ontario Sales Tax Credit
  • Ontario Energy and Property Tax Credit
  • Northern Ontario Energy Credit.

Your eligibility is determined under each of the 3 programs separately, and the tax credits paid to your account monthly or as a lump sum in July.

We’ll go over the eligibility for each of the programs and how much you can expect to receive in details below:

CRA has an handy tool here to estimate how much you can expect to receive.

The eligibility for the other credits and benefits paid as Canada Pro are also provided.


Ontario Trillium Benefits (OTB)

These are the 3 different credits covered by OTB, their eligibility and how much you can receive:

1. Ontario Sales Tax Credit

The Ontario Sales Tax Credit is a similar program to the federal GST/HST Credit program that helps Ontario residents with the sales tax they pay.

It is meant for low to moderate income residents.

To be eligible for the Ontario Sales Tax Credit, individuals or families must satisfy one of the following conditions:

  • 19 years or older
  • previously or current married or in a common-law relationship
  • a parent who lives or previously lived with a child

You don’t need to apply for the benefit separately.

The CRA will assess your income tax return to determine if you are eligible and automatically issue the payments on the due dates.

How much does the Ontario Sales Tax Credit Pay?

For the 2021 benefit year, beneficiaries can receive up to $316 (slightly up from the $313 for 2020 benefit year).

You can also receive up to an additional $316 for your spouse/common-law partner and each dependent child that is under 19 on the 1st of the payment month.

Ontario Sales Tax Credit Pay is income-tested. Meaning, the credits will be reduced once you earn above the set adjusted family net income.

For the 2020 benefit year, the adjusted family net income and the clawback rates were:

  • Singles: 4% on net income above $24,332
  • Single parents, married or in a common-law relationship: 4% on net income above $30,143

That means your Canada Pro Deposit will be lower as your income increases beyond the claw back threshold.


2. Ontario Energy and Property Tax Credit

This is another income-tested benefit for low to moderate income residents of Ontario. The credit is meant to help with the sales tax on energy and with property taxes.

That is, there are 2 components to the credit: the Energy component and the Property Tax component.

You may be eligible for the Ontario Energy and Property Tax Credit if you were a resident of Ontario on December 31, 2020 and one of these applied in 2020:

  • rented or paid property tax for your main residence
  • lived in a public long-term care home (e.g., a seniors’ home) and paid an amount for your accommodation
  • lived on a reserve and paid for your home energy costs

And one of these apply for 2021:

  • 18 years of age or older (the age of majority in Ontario)
  • a parent who lives or previously lived with your child
  • currently or previously married or in a common-law relationship
How much can you expect to receive from Ontario Energy and Property Tax Credit?

Here’s a table summarizing the maximum benefit you could expect to receive as Ontario Energy and Property Credit:

CategoryMax.
Between 18 and 64 years old$1,095
Over 65 years old$1,247
Live on a reserve or in a public long-term care home$243
For the time you lived in a designated college, university of private school residence in 2020$25

As an income-tested benefit, the lower your adjusted family income for the previous year, the higher the Canada Pro deposit you’ll receive under this credit.

On the other hand, as your family income increases, you can expect a lower amount for the Canada Pro deposit.

You can use the calculator here to estimate how much you can expect.


3. Northern Ontario Energy Credit (NOEC)

This credit helps Northern Ontario residents with the higher energy cost they pay.

In other words, only residents of northern Ontario on December 31, 2020 are eligible for the credit.

To be eligible for the Northern Ontario Energy Credit, one of the following must also apply in 2020:

  • rented or paid property tax for your main residence
  • lived in a public long-term care home (e.g., a seniors’ home) and paid an amount for your accommodation
  • lived on a reserve and paid for your home energy costs

And at least one of the following before June 1, 2022: a) 18 years of age or older; b) a parent who lives or previously lived with your child; or c) currently or previously married or in a common-law relationship.

Northern Ontario covers the following cities and towns: Algoma, Cochrane, Kenora, Manitoulin, Nipissing, Parry Sound, Rainy River, Sudbury, Thunder Bay and Timiskaming.

How much can you expect to receive from Northern Ontario Energy Credit?

The amount you can get under the NOEC program depends on your marital status, i.e. whether you’re single or a family.

The maximum amount for each category are:

  • Singles: maximum of $158
  • Families: maximum of $243

Your NOEC benefit is combined into a single payment with the Ontario Sales Tax Credit (OSTC) and Ontario Energy and Property Tax Credit (OEPTC).

The total is then deposited into your account as OTB or Canada Pro deposit.

Learn more: OTB Payment Dates

Alberta Child and Family Benefit (ACFB)

The Alberta Child and Family Benefit (ACFB) was introduced in July 2020 to replace the Alberta Child Benefit (ACB) and the Alberta Family Employment Tax Credit (AFETC).

ACFB is a financial assistance program for lower and middle-income families in Alberta with children under age 18.

It is administered by the Canada Revenue Agency (CRA) on behalf of the provincial government of Alberta.

Note: If you received a Canada Pro deposit in your account on August 27th, then it is most likely your ACFB payment.

Who is eligible for ACFB?

To be Eligibility for ACFB, applicants must satisfy all the criteria below:

  • Reside in Alberta
  • Have one or more children under 18
  • File their tax return for previous years
  • Meet the income criteria

How much can you receive as ACFB?

How much you can receive from ACFB is based on your income and the number of children you have.

There are 2 components under ACFB: A base component and a working component.

The base component is for families with little or no employment income, while the working component is for those with an employment income above $2,760.

For 2021, the maximum annual ACFB amounts under both components are:

Number of ChildrenMax. Base ComponentMax Working Component
One (1) Child$1,330$681
Two (2) Children$1,995$1,301
Three (3) Children$2,660$1,672
Four (4) Children$3,325$1,795

The maximum amount you can get from ACFB for the 2020/2021 benefit year is $5,120.

These amounts are gradually reduced once your income reaches a threshold.

The benefit amounts paid for the base and working components are reduced once the family net income exceeds $24,467 and $41,000 respectively.


Confirming the Canada Pro Deposit payment

If you received a Canada Pro deposit in your bank account, it is always a good idea to confirm what the deposit you received is for.

You may get a mail from CRA but the quickest way is to log in to your My Account with CRA.

From your account, you can view all the benefits you’re entitled to, including Canada Pro tax credit, and the expected payment dates.

Also, checking the payment dates for some of the child and family benefit payment dates below can help you determine what the payment is for.

For example, if you receive a Canada Pro deposit on August 27th, 2021, you can be almost certain that the payment is for ACFB if you’re an Alberta resident.

Is Canada Pro Taxable?

Canada Pro is not taxable. All the benefits that are paid using the caption are completely tax-free benefits.

OTB is not taxable. Neither are the ACFB, GST/HST credit or Canada Workers’ Benefit payment.

This means you won’t have to include your Canada Pro deposit as a taxable income when you file your income tax returns.

How Often is Canada Pro Paid?

For Eligible Canadians, Canada Pro is paid monthly, quarterly or annually based on the payment schedule for the underlying benefit or credit.

That is, the payment frequency depends on the benefit the Canada Pro deposit is for.

For example, Ontario Trillium benefit (OTB) deposits are paid monthly or as a lump sum deposit annually by July.

The GST/HST Credit and Alberta Child and and Family Benefit (ACFB) are, however, paid quarterly on the 5th day of January, April, July and October.

Alberta Child & Family Benefit is also paid quarterly but in February, May, August and November.


Canada Child and Family Benefit Payment Dates

OTB and CCB Payment Dates 2021

The Ontario Trillium benefit (OTB) and the Canada Child Benefit (CCB) payment dates for 2021 are shown below:

Benefit MonthsOTB DatesCCB Dates
JanuaryJanuary 8, 2021January 20, 2021
FebruaryFebruary 10, 2021February 19, 2021
MarchMarch 10, 2021March 19, 2021
AprilApril 9, 2021April 20, 2021
MayMay 10, 2021May 20, 2021
JuneJune 10, 2021June 18, 2021
JulyJuly 9, 2021July 20, 2021
AugustAugust 10, 2021August 20, 2021
SeptemberSeptember 10, 2021September 20, 2021
OctoberOctober 8, 2021October 20, 2021
NovemberNovember 10, 2021November 19, 2021
DecemberDecember 10, 2021December 13, 2021

If you did not receive your payments on the expected dates above, you should contact CRA for more information.

But you’re advised to wait for a few days before you do: 5 working days for CCB and 10 working days for OTB.

Afterwards, feel free to contact CRA on the phone.


Alberta Child and Family Benefit (ACFB) Payment Dates 2021

The ACFB payments are issued quarterly and the dates for 2021 are:

  • February 26,2021
  • May 27, 2021
  • August 27, 2021
  • November 26, 2021

Learn more about Alberta Child And Family Benefit (ACFB) here.


GST/HST Credit and Canada Workers Benefit Payment Dates

The other 2 benefit payments under the Canada Child and Family Benefit programs are:

  • Goods and Services Tax/ Harmonized Sales Tax (GST/HST) Credit
  • Canada Workers Benefit (CWB) – advance payments

Both benefits are paid on the same day quarterly. The payment dates for 2021 are shown below:

QuarterGST/HST Credit Pay DatesCWB Pay Dates
1January 5, 2021January 5, 2021
2April 1, 2021April 1, 2021
3July 5, 2021July 5, 2021
4October 5, 2021October 5, 2021

If you didn’t receive your benefits on the dates above, you should wait for at least 10 working days before contacting CRA.

Or check your account with CRA to confirm if you should be receiving the payment.

Learn more about GST/HST Credit and Canada workers benefit advance payments in the linked posts.

Related Posts:

What to do with your Canada Pro Deposit

Your Canada Pro deposit is yours to spend, save or invest however you like.

Most people have already planned for these monthly or quarterly payments from CRA. This could mean:

  • topping up an emergency fund
  • setting up an RESP for your kids
  • paying off some of your debts
  • Savings for retirement

Whatever you decide to do, as long as you’re putting the money to good use according to your financial goals, you’re on the right course.


What is Canada RIT?

Canada RIT refers to Canada Refund Income Tax and it is a direct deposit from Canada Revenue Authority (CRA). As the name suggests, if you received a deposit with the caption, it is most likely a tax refund from CRA.

Check out this post to learn more about Canada RIT. Or here to learn about Canada FPT Deposit and Canada Fed, two other deposit with unclear description from CRA.

Canada Pro Deposit FAQs

What is Canada Pro Deposit

Canada Pro deposit is a monthly, quarterly or annual payment from CRA for Ontario Trillium Benefit (OTB) for Ontario residents or Alberta Child and Family Benefit (ACFB) for Alberta residents.

How much is Canada Pro?

The amount you can receive as Canada Pro deposit varies depending on your income, family composition and the credit it relates to. For example, you can receive up to $5,120 through ACFB as an Alberta resident.

How often is Canada Pro Paid?

Canada Pro is deposited monthly, quarterly or annually depending on the particular credit it relates to. Ontario’s OTB is a monthly deposit, with an option to receive it as a lump sum. The other credits paid as Canada Pro such as GST/HST credit, CWB, ACFB are all paid quarterly.

Why did I get a Canada Pro deposit in July and not in previous months?

Eligibility for most benefits and credits are assessed in July by CRA based on the previous year’s income. For example, 2020 income will be used to determine who is eligible for OTB payment period starting in July.
So if you didn’t receive the Canada pro deposit in prior months but got it in July, it’s most likely because you just became eligible for one of the credits that are paid as Canada Pro.

Who is eligible for Canada Pro?

Eligibility for Canada Pro is assessed using the criteria set out for the underlying credit. For example, you’ll need to an Ontario resident and have low to medium income to receive the Ontario trillium benefit. To be eligible for Canada Pro deposit as an Alberta resident, you’ll also have to meet the requirement for ACFB.

Final Thoughts: Canada Pro Deposit

In this post, we answered the question: What is Canada Pro in my bank account?

In most instances, Canada Pro deposit is a payment from CRA for Ontario Trillium Benefit (OTB). It is paid every month or as a lump-sum depending on how much you’re entitled to.

In other cases, it could be for ACFB if you’re an Alberta Resident or the federal government credits like Canada Workers’ Benefit or GST/HST credit.

If you have any comments or questions, please let me know in the comments.

Related Posts:

Simon is a CPA by day and a Personal Finance Blogger by night. With over a decade experience in financial services, he's passionate about personal finance, investing and helping people take control of their financial life.

26 thoughts on “Canada Pro Deposit 2021: What Is It?”

  1. Hi good evening. Im a single parent. I have 2 children’s and their with me since their were born. 2012 my benefits had stop due to couldn’t provide documents for my children due to consequence from ex husband. Until this year they’ve received their birth certificates. Would I be still be able to receive those benefits as a lump sum? And my daughter just turn 18 last year. Would it be the same with her? They are both born in Canada just couldn’t approve it and I was moving around to avoid things around for our safety. But now they’ve just got their birth certificate. I had to ask about this for my children sake,school and financially.

    Thank you.

    Reply
    • Hi Jocelyn,
      A number of CRA benefits are retroactive so you may receive some or all of the benefits you qualified for. But it’s best to call CRA for more information and direction on how to proceed. All the best!

      Reply
    • Hi Brian,
      Sorry to hear that. Hopefully, it’ll be fixed by the next payment.
      You may login to your CRA account, go to “Personal Profile” and confirm that the new bank details has been received.

      Reply
  2. ok today i noticed in our account a withdrawal to Canada Pro of 105.60. i never authorized this so how did you get it. we live in Yukon Territory.

    Reply
  3. Hello
    I found your article very helpful. I do have a question I was hoping you could help me with. If a person receiving Canada Pro passes away how would you notify Canada Pro to stop payments. Thank you so much

    Reply
  4. Hi there I have received the benefit for my trillium and it goes into my bank account directly and it is not there today why is that

    Reply
    • If this is OTB, then the benefit is income tested, so how much you receive depends on your income. The benefit is reassessed every July using your income from the previous year. So your July payment is likely different from previous months.

      Reply
  5. Hi. I’m 24, not a parent, never married, never lived in a long-term care anything… honestly, the only box I check off here is that I’m over 18. Why did I get about 300 dollars? Is it because I live with a 12 year old sibling? (I’m not their guardian, our mother is). Very confused.

    Reply
  6. Hi I’ve gotten my Canada pro payment this month but I didn’t get it for the previous months that were listed so would I get it next month or was is it the case of me getting it once per year ? Thank you

    Reply
    • Hi Vee,
      It’s best to confirm by checking your CRA My Account for any notice regarding the payment. A reassessment is done in July using the previous year’s income, so it’s possible you just became eligible for the benefit based on your 2020 income and can expect the payment going forward.

      Reply
  7. was the first payment for the Canada pro deposit In July of this year or did it start in January because I got mine this month only so would I get the payment for the remaining months

    Reply
    • The payment period runs from July to June and the amounts calculated using the previous year’s income. So if your first payment is in July, it’s likely you were not eligible for the payments in the previous period.

      Reply
  8. I didnt receive the ACFB payment that I was expecting. Instead, I got something called CANADA PRO. Is this an extra payment, or a replacement for ACFB ?

    Reply
    • Hi Loretta – If you received the payment today (aug 27th), then it is ACFB. Canada Pro is just the caption or description used for the deposit, it is not a benefit program itself. Hope that helps.

      Reply
  9. I have returned one payment and informed Canada Pro of my mother’s death. She is still receiving payment. How do I stop this? Who do I contact?

    Reply

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