Who this is for
Anyone who files online, whether yourself or through a preparer like us. Especially anyone who has been locked out of their CRA account, changed phone numbers, or has never set up multi-factor authentication.
Five things to check now
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Can you sign in? Go to your CRA account and try. If it is locked or restricted, use the self-service recovery options the CRA now provides, or call the CRA. Do it now; in February the lines are long.
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Is your contact information current? Address, phone number and email. The authentication step and the CRA’s notices depend on them.
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Is multi-factor authentication set up with a backup? The CRA requires a second factor and recommends adding a backup method in case your phone changes.
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Is your preparer authorized? If we file for you, the authorization we hold must be current. The new step confirms that the person filing is authorized. Check it before the season.
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Are you a first-time filer? You will not have an account to authenticate with. That is fine. File normally and set up the account after your first assessment.
What the step does
It adds a sign-in to confirm you are filing or adjusting a return for yourself, or are authorized to file for someone else. It is optional for the 2026 tax year. Returns can still be filed without it, but the CRA’s direction is clear.
One thing many people do not realize
The CRA says people with locked or restricted accounts should resolve the problem before filing season. It now offers self-service recovery options so you do not have to phone. First-time filers cannot use the new step because they have no account yet; that is expected and does not stop their return. The step is optional this year and may not stay optional.
What to prepare
- Your CRA account sign-in details and your second-factor device
- A note of any error messages if you cannot sign in
- Your preparer authorization, if someone files for you
When professional help may make sense
If your account was locked after a security incident, or your identity needs to be re-verified, the process can take time. Start it in the fall.
How Rex Tax may be able to help
We help clients confirm access, set up authorization, and file electronically when the season opens. Our guide on key tax dates for the 2026 tax year has the deadlines.
Official sources
- CRA: The CRA is enhancing security for online income tax and benefit return filing
- CRA: Avoid tax season surprises by keeping your CRA account up to date
This guide is general information, not advice about your situation. It reflects the rules for the 2026 tax year. Rules described are those in effect from February 22, 2027. It has not yet been reviewed by a practitioner. The information was checked against the official sources listed above on the date shown. Rules change. Check the official sources above or ask us. How we prepare these guides.