File a tax return, regardless of your income

If you want to claim from your eligible deductions, tax credits and certain government benefits, you need to file a tax return.

Fill on time


Deadline: April 30, 2019


The deadline for self-employed workers is June 15, 2019

If you file late and have an outstanding balance, a 5% penalty will be applied.

An additional 1% penalty is added to your outstanding balance every month, for a maximum of 12 months.

Both of these penalties apply federally and in Quebec.

Interest will also be charged on your outstanding balance. This interest is compounded daily on the amount due as of April 30.

Tip: Even if you don't think you can pay off your entire balance due on April 30, you should still file your tax return by the deadline. That way, you won't be charged the late-filing penalty and you'll only have to pay interest on the unpaid amount.

What's new?

Did you know that if you have signed up for to online statements for Desjardins Funds, your tax slips are automatically saved in AccèsD? Click the Statements and Documents button > Tax information slips > Fiscal year 2018

Good to know

Desjardins members and clients can  - External link. This link will open in a new window.save 20% on TurboTax Online.

Get informed


Here is a non-exhaustive list of deductions and tax credits you may be eligible for:

  • Medical expenses (in Quebec, this includes premiums paid for the provincial and/or employer-provided drug insurance plans)

  • Charitable donations (including "super credits" for first-time donors) 
  • Tax credits for persons with disabilities

You may also be eligible for:

Quebec Ontario
Parents
  • Child support
  • Childcare expenses
  • Fitness, arts and cultural activities for children from 6 to 16 (Quebec)
  • Adoption expenses
  • Medical expenses
  • Fertility treatments
  • Tax credits for a child enrolled in post-secondary studies (Quebec)
  • Tuition fees transferred from a child (federal and Quebec)
  • Childcare expenses
  • Tuition and education amounts transferred from a child (federal and Ontario)
  • Adoption expenses
  • Fertility treatments
  • Medical expenses
Seniors1
  • Home care services for seniors (Quebec)
  • Caregiver amount (federal and Quebec)
  • Fitness, arts, cultural or recreational activities for seniors (Quebec)
  • Age amount (federal and Quebec)
  • Pension income amount (federal and Quebec)
  • Tax credit for workers 61 or over (Quebec)
  • Tax credits for persons with disabilities (federal)
  • Amount for a severe and prolonged impairment in mental or physical functions (Quebec)
  • Home accessibility expenses (federal)
  • Independent living tax credit for seniors (Quebec)
  • Caregiver amount (federal and Ontario)
  • Age amount (federal and Ontario)
  • Pension income amount (federal and Ontario)
  • Home accessibility expenses (federal)
  • Senior homeowners' property tax grant (Ontario)
  • Disability tax credit
  • Public transit tax credit (Ontario)
Students
  • Tax credit for tuition fees (federal and Quebec; unused portion can be transferred to parents)
  • Credit for interest paid on student loans (federal and Quebec; can be carried forward to subsequent years)
  • Moving expenses (federal and Quebec)
  • Tax credit for recent graduates working in remote resource regions
  • Scholarship or bursary exemptions
  • Tax credit for tuition fees (federal and Ontario; unused portion can be transferred to parents)
  • Credit for interest paid on student loans (federal and Ontario; can be carried forward to subsequent years)
  • Moving expenses
  • Scholarship exemption
Investors2
  • Deduction for net capital losses from other years
  • Capital gains exemption on the sale of a taxpayer's property designated as principal residence
  • Deduction for RRSP contributions
  • Deduction for carrying charges
  • CRCD tax credit (Quebec)
  • Labour-sponsored funds tax credit
  • Exploration and development expenses (federal and Quebec)
  • Deduction for net capital losses from other years
  • Capital gains exemption on the sale of a taxpayer's property designated as principal residence
  • Deduction for RRSP contributions
  • Deduction for carrying charges
  • Labour-sponsored funds tax credit
Homeowners
  • RénoVert refundable tax credit for eco-friendly home renovations made until March 31, 2019 (Quebec)
  • Tax credit for the upgrading of residential waste water treatment systems (Quebec)
  • Non-refundable tax credit of $5,000 for first time home buyers (federal and Quebec)
  • Capital gain exemption for selling your principal residence. If you sold your principal residence in 2018, you'll need to report the information on your tax return so you can claim the principal residence exemption. If you don't provide the information required by the federal government, you'll be expected to pay taxes or a penalty.
  • Non-refundable $5,000 tax credit for first-time homebuyers (federal)
  • Capital gain exemption for selling your principal residence. If you sold your principal residence in 2018, you'll need to report the information on your tax return so you can claim the principal residence exemption. If you don't provide the information required by the federal government, you'll be expected to pay taxes or a penalty.
  • Senior Homeowners' Property Tax Grant (Ontario)

Mobile deposits

 - External link. This link will open in a new window.Have money deposited into your account.

Sign up for Canada Revenue Agency direct deposit on AccèsD. Offered only at Desjardins.

Beware of phishing scams

The Governments of Quebec and Canada will never communicate with you about your tax return through email or text messages. You should never reply to a message about your tax return that asks for your personal and banking information. To learn more about their security practices for communicating with taxpayers, and to protect yourself from this kind of fraud, refer to  - External link. This link will open in a new window. Revenu Québec's page on communicating with taxpayers and  - External link. This link will open in a new window.Canada Revenue Agency's fraud prevention page.

1. To be eligible for some tax credits, the taxpayer must have been certified eligible (e.g., for the tax credit for persons with disabilities or the amount for a severe and prolonged impairment in mental or physical functions).

2. Attention: If you hold any foreign properties--excluding properties for personal use--worth $100,000 or more, you must fill out the T1135 form.

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Comments (2)

Guozhen Mao / March 20, 2019 3:49 PM

It is very useful, helpful and informing. Thanks Sincerely

Anne Czop / April 16, 2019 3:54 PM

Thank you for the information.Was very useful.