If you have enough EI insurable hours, you will still be able to access your normal EI benefits after the 28-week period covered by the CERB. Your eligibility and benefit level will be based on the hours you worked and your salary before you started getting the CERB. Direct deposit is a way to receive your payments without any postal delay. Not only will you be able to access your payments more quickly, you can also be sure they will never be lost, stolen or damaged. Sign up for direct deposit now! It is convenient, secure and reliable. Select Direct deposit to have your EI payments deposited into your bank account. You cannot update your direct deposit information in advance. Select Mailing address and telephone number to change your address or phone number. You must let us know of any changes if you have received EI benefits in the past year.

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There is no one time that “most” deposits post. It all depends upon when the transaction arrives at the bank's computers and the bank's posting procedures. The Automated Clearinghouse (ACH) system runs 24 x 7 x 365. It knows no weekends or holiday. If you expect to receive at least one of the following payments for your business from the Canada Revenue Agency, you can sign up for direct deposit: corporation income tax refund goods and services tax/harmonized sales tax refund refund of excise tax or other levies.

From: Employment and Social Development Canada

COVID-19

Due to the coronavirus disease (COVID-19) outbreak, there are changes to this program.

Changes to support you during COVID-19

Temporary changes have been made to the EI program to help you access EI regular benefits. The following changes are in effect until September 25, 2021, and could apply to you:

• the waiting period may be waived
• a minimum unemployment rate of 13.1% applies to all regions across Canada
  • if your region’s unemployment rate is higher than 13.1%, we’ll use the higher actual rate to calculate your benefits
  • this means you can receive at least 26 weeks of regular benefits
• you only need 120 insured hours to qualify for benefits because you’ll get a one-time credit of 300 insured hours to help you meet the required 420 insured hours of work
• you’ll receive at least $500 per week before taxes but you could receive more
• if you received the CERB, the 52-week period to accumulate insured hours will be extended

Sections on this page impacted by these temporary changes are flagged as Temporary COVID-19 relief.

4. What you need before you start

To complete the online EI application for EI regular benefits, you will need the following personal information:

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• your Social Insurance Number (SIN). If your SIN begins with a 9, you need to supply proof of your immigration status and work permit.
• your mother’s maiden name.
• your mailing and residential addresses, including the postal codes.
• your complete banking information to sign up for direct deposit, including the financial institution name, bank branch number, and account number
• names, addresses, dates of employment, and reason for separation for all your employers over the last 52 weeks
• your detailed version of the facts (if you quit or have been dismissed from any job in the last 52 weeks)
• the dates, Sunday to Saturday, and earnings for each of your highest paid weeks of insurable earnings^{Footnote 1} in the last 52 weeks or since the start of your last EI claim, whichever is the shorter period. This information will be used, along with your Record(s) of Employment, to calculate your benefit rate. Temporary COVID-19 relief

You may also have to provide the following details if you are reactivating an existing claim:

• the salary amount you received, before deductions, for the last week you worked (from Sunday to your last day of work), including insurable tips and commissions
• any other amount you received or will receive (such as vacation pay, severance pay, pension payments, pay in lieu of notice, and other money)

When you apply for EI benefits, be sure to sign up for direct deposit to get your payments as quickly as possible. When you use direct deposit, your EI payments are deposited automatically into your bank account two business days after we process your EI report.

If you do not sign up for direct deposit at the time you complete your EI application, you can sign up any time after you apply through My Service Canada Account.

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Footnotes

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Insurable earnings – The income earned on which EI premiums were paid. It is used to calculate the weekly benefit rate to which you are entitled.