Seeing a different code? Look up any government deposit on your bank statement.
A deposit labelled “Canada PRO” is a provincial benefit that the Canada Revenue Agency (CRA) pays for your province. At many banks, it’s the Ontario Trillium Benefit if you live in Ontario, or the Alberta Child and Family Benefit if you live in Alberta. It’s real, tax-free and yours to keep.
What’s this deposit?
Banks word these labels differently, and we couldn’t find an official list of them, so treat this as a guide. To be sure, sign in to CRA My Account and look at your payment history under Benefits and credits.
| Where you live | What it usually is | When it’s paid |
|---|---|---|
| Ontario | Ontario Trillium Benefit (OTB) | Around the 10th of each month, or once a year in June or July |
| Alberta | Alberta Child and Family Benefit (ACFB) | Late February, May, August and November |
Other CRA deposits you might see:
- Canada FPT: usually the Canada Groceries and Essentials Benefit, the new name for the GST/HST credit, plus any provincial credit paid with it. Our Canada FPT deposit guide explains it.
- Canada CCB: the Canada Child Benefit, plus provincial child benefits paid with it.
- CPP or OAS: pensions from Service Canada, near the end of each month.
Ontario: the Ontario Trillium Benefit
The OTB combines three tax-free credits. These are the maximums for July 2026 to June 2027, based on your 2025 tax return.
| Credit | Maximum a year (July 2026 to June 2027) |
|---|---|
| Ontario energy and property tax credit, age 18 to 64 | $1,307 |
| Ontario energy and property tax credit, age 65 and over | $1,488 |
| Ontario sales tax credit | $378 for you, plus $378 for your spouse and each child under 19 |
| Northern Ontario energy credit | $189 single, $290 for a family |
The energy and property tax credit is for people who paid rent or property tax on their home, lived in a public long-term care home, or lived on a reserve and paid home energy costs. The northern credit is only for people living in northern districts such as Sudbury, Thunder Bay and Kenora.
How the OTB is paid depends on your yearly total:
- More than $500: you choose monthly payments starting in July 2026, or one payment in June 2027. You get the same total either way.
- $500 or less: one payment in July 2026.
- More than $2 but less than $10: you get $10.
- $2 or less: no payment.
This explains a common surprise. If your yearly OTB is $500 or less, you’ll see one “Canada PRO” deposit in July and nothing the rest of the year.
Alberta: the Alberta Child and Family Benefit
The ACFB is for Alberta families with children under 18 and a low or modest income. It has two parts. The base part goes to lower-income families whether or not they work. The working part is added once family work income is over $2,760.
| Number of children | Base part, maximum | Working part, maximum |
|---|---|---|
| 1 | $1,529 | $782 |
| 2 | $2,293 | $1,494 |
| 3 | $3,057 | $1,920 |
| 4 or more | $3,821 | $2,061 |
These are yearly amounts for July 2026 to June 2027. The base part shrinks once family net income is over $28,116, and the working part once it’s over $47,115. It’s paid four times a year. If your quarterly amount is under $10, payments may be combined and paid less often.
Other provincial payments from the CRA
The Ontario Senior Homeowners’ Property Tax Grant gives seniors 64 and older up to $500 back on property tax. It’s paid once a year, 4 to 8 weeks after you get your notice of assessment, so it can look like an unexpected one-off deposit. How banks label it isn’t published, so check CRA My Account if you’re not sure.
Is a Canada PRO deposit taxable?
No. The OTB and the ACFB are both tax-free, and you don’t report them as income. The ACFB doesn’t affect AISH or Alberta Income Support, and Ontario treats the OTB as exempt income for ODSP.
How to keep getting it
- File your tax return every year, even with no income. The CRA uses it to work out your amount each July. Filing by April 30 means your payments start on time.
- In Ontario, fill in the ON-BEN form with your return to claim the energy and property tax credit and the northern credit.
- In Alberta, there’s no separate form. If you get the Canada Child Benefit, you’re assessed for the ACFB automatically.
- Sign up for direct deposit through CRA My Account.
Payment late, missing or different?
Wait before you call: 10 working days for the OTB, or 5 working days for the ACFB. Then check CRA My Account and call the CRA benefits line at 1-800-387-1193. For questions about Alberta programs, Alberta Supports is at 1-877-644-9992.
Common reasons a payment is late, smaller or missing:
- You or your spouse didn’t file last year’s tax return.
- Your amount was recalculated in July from your latest return.
- Your yearly OTB is $500 or less, so it came as one payment in July.
- You moved, changed banks or had a change in your family and the CRA doesn’t have the update.
- You filed late. You’ll still get the benefit, but later.
Watch for scams. The CRA never asks for fees, gift cards, cryptocurrency or passwords by text or email, and it never sends payments by e-transfer. Ontario also warns about fake texts that ask you to click a link to receive your payment. Don’t click. Check your payments by signing in to your CRA account yourself.
Other help you might be missing
- Canada Groceries and Essentials Benefit: a tax-free quarterly payment for people with low and modest incomes.
- Canada Child Benefit: the monthly federal payment that the ACFB is based on.
- Ontario GAINS: a monthly top-up for Ontario seniors who get OAS and the GIS.
- Ontario Child Benefit: for Ontario families with children, paid with the Canada Child Benefit.
- Alberta Seniors Benefit: for lower-income Alberta seniors.
Common questions
What is the Canada PRO deposit in my bank account?
At many banks, it’s a provincial benefit paid by the CRA: the Ontario Trillium Benefit in Ontario, or the Alberta Child and Family Benefit in Alberta. CRA My Account shows exactly which program paid you.
Why did I get only one Canada PRO payment?
If your yearly Ontario Trillium Benefit is $500 or less, the CRA pays it all at once in July. If it’s more than $500, you may also have chosen to get it in one payment in June.
How often is Canada PRO paid?
The OTB is paid around the 10th of each month if you get monthly payments. The ACFB is paid four times a year, in late February, May, August and November.
Do I have to pay tax on a Canada PRO deposit?
No. Both the OTB and the ACFB are tax-free.
Is Canada PRO the same as Canada FPT?
No. Canada FPT is usually the federal Canada Groceries and Essentials Benefit, paid four times a year. See our Canada FPT guide.
