Using CRA’s My Account 2025

Managing your taxes should be simple—but for many Canadians, it’s a maze of confusion, missed notices, and costly errors. In 2025, the CRA’s My Account platform has become the central hub for all your personal tax information, benefits, and correspondence. Yet, thousands of taxpayers every year lose refunds, miss credits, or face penalties because they never log in, never verify their data, or misunderstand the notices CRA sends them.

CRA’s systems are now fully digital and AI-driven. Everything from your T4s to your RRSP limits, benefit payments, and reassessment letters flows through My Account. If you miss an update or respond incorrectly, the consequences can include lost benefits, delayed refunds, and even automatic compliance flags.

At Mackisen CPA Auditors Montreal, we help clients use My Account the right way—to monitor returns, track deductions, detect CRA errors early, and protect their financial standing. We review your CRA portal data regularly, identify risks, and ensure everything matches your filed returns. When used strategically, My Account is not just a portal—it’s your defense against costly mistakes.

Legal and Regulatory Framework

Income Tax Act (Canada)
Section 150(1): Establishes the taxpayer’s obligation to file and maintain accurate records.
Section 165: Sets the 90-day limit to file a Notice of Objection after receiving an assessment through My Account.
Section 220(1): Grants CRA authority to communicate electronically with taxpayers, including issuing reassessments, penalties, and refund notices.

Tax Administration Act (Quebec)
Requires taxpayers to verify provincial assessments and credits via Revenu Québec’s “Mon Dossier” platform, ensuring synchronization with CRA data.

Mackisen coordinates both your CRA My Account and Revenu Québec online profiles to ensure every detail—from benefit payments to tax slips—is accurate, synchronized, and compliant.

Key Court Decisions

Venne v. The Queen (1984): Taxpayers are responsible for knowing and reviewing CRA correspondence—even if they miss it.
Guindon v. Canada (2015): Penalties are enforceable for failing to act on CRA notifications or reassessment notices.
Jordan v. The Queen (2009): Late responses to CRA notices result in accrued interest and limited appeal options.

These rulings underscore a simple truth: “I didn’t see the notice” is not a valid defense. The CRA assumes taxpayers monitor their online accounts.

Why Using CRA My Account Matters

My Account is not just a convenience—it’s your legal record of communication with the CRA. In 2025, over 90% of CRA correspondence is digital, and taxpayers are expected to check regularly. Ignoring it can lead to:

• Missed refund notifications or reassessments.

• Lost access to benefits like CCB, GST/HST, or Climate Action Credits.

• Penalties for unacknowledged correspondence or unpaid balances.

• Limited time to appeal or object (90 days from the notice date).

Using My Account proactively allows you to:

• Download all T4, T5, and RRSP slips early to avoid missed income.

• Track refund status and payment timelines.

• Review Notice of Assessment and verify CRA calculations.

• Monitor contribution room for RRSPs, FHSAs, and TFSAs.

• Update direct deposit information securely.

Mackisen’s Digital Compliance and Protection Strategy

1. Portal Setup and Review: We help clients securely register and navigate CRA My Account and Revenu Québec’s Mon Dossier.

2. Data Verification: Compare CRA data with your personal records to detect errors before filing.

3. Refund and Benefit Tracking: Ensure payments and credits are received and correctly applied.

4. Real-Time Compliance Monitoring: Review notices, assessments, and CRA messages regularly to prevent missed deadlines.

5. Audit-Ready Support: Maintain a full record of all CRA correspondence in case of review or dispute.

Our system prevents errors before they escalate—protecting your refund, benefits, and financial credibility.

Real Client Experience

A Montreal teacher missed a CRA reassessment notice and was charged $2,100 in penalties. Mackisen reviewed her My Account history, filed an objection within the legal window, and reversed the charges.
A business consultant failed to report an investment slip visible only in CRA My Account. Mackisen corrected the return, avoided an audit, and preserved $5,800 in refunds.

Common Questions

Do I have to use CRA My Account? While not mandatory, all CRA correspondence now defaults to digital. Failure to check can cause serious delays or penalties.
Can I authorize Mackisen to access my account? Yes, you can safely grant us representative access to monitor and manage your filings.
How often should I check My Account? At least twice per month—or weekly during tax season. Mackisen monitors your account continuously.
Is it secure? Yes, CRA uses multi-factor authentication. Mackisen ensures setup and data protection meet federal security standards.

Why Mackisen

At Mackisen CPA Auditors Montreal, we don’t just file your taxes—we safeguard your financial reputation. Our experts ensure your CRA and Revenu Québec portals are accurate, secure, and managed proactively. With 24/7 monitoring and compliance oversight, we eliminate surprises and prevent costly errors before they happen.

We treat every client’s file as if it were our own—with precision, confidentiality, and care. Because your peace of mind is not optional—it’s our mission.

Call Mackisen CPA Auditors Montreal today for your 2025 CRA My Account Review. The first consultation is free, and your protection begins immediately.