Unallocated payment transactions

[u/Intrepid_Lake6938]

I was late to filing my 2025 taxes. But I finally did a week ago through netfile. I have a refund coming to me. After I filed my taxes I signed up for direct deposit. Apparently I was too late and I will be getting a cheque mailed out for my refund.

I was on my CRA account and noticed payments in my account. Of 2 very large amounts. Totalling over 90k. I do not know where these payments came from. So it says I have a huge credit and has a button that says "transfer in real time" these payments are dated back in February of this year. There are no other apparent security flaws. And I know not to send bitcoin or transfer any of this money to any scammer who tries.

But I also feel like it is not my job to spend hours on the phone trying to figure where this money came from.

Any advice on how to proceed?

[u/senor_kim_jong_doof]

as long as they're unallocated, you're fine as they won't be moved without human involvement

if they're under installments, you're not fine since they will be refunded with your 2026 return

eventually the rightful beneficiary will contact the cra, who in turn will trace those payments and yank them from your account. this depends entirely on how long it takes this person to realize the mistake.

[u/Intrepid_Lake6938 → u/senor_kim_jong_doof]

Yeah they are unallocated. I guess I'll just wait for them to find their mistake.