Smart Start Halton Awareness Campaign

Smart Start Halton: Canada Learning Bond Action and Awareness Campaign

Did you know that children born since 2004 whose families receive the National Child Benefit Supplement can receive $2,000 in FREE education money?

The Canada Learning Bond (CLB) is a Government of Canada program that provides up to $2,000 for the post-secondary education of children born on or after 1 January 2004 from families with a net income of $43,953 or lower (receiving the National Child Benefit Supplement). Eligible children are entitled to up to $2000 towards their post-secondary education.

Setting up education savings programs for a child has been shown both to make it financially possible for the child to access post-secondary education, and to set it as a family goal and expectation. Studies show that the mere existence of educational savings makes a child 50% more likely to pursue post-secondary education.

We want to help families access free money for their child’s education! You can view backgrounder to the project here.

Eligible children will receive up to $2,000 by the age of 15, plus interest.

No parental contribution is required!

How do you get it?

Step 1: Go to your local Service Canada office and obtain a Social Insurance Number (SIN) for your child. Parent must bring their Social Insurance Number and government issued photo identification, and their child’s Canadian Birth Certificate (if born in Canada) or Citizenship Card (if born outside of Canada).

Step 2: Make an appointment with your financial institution (where you do your banking) and say: “I want to open a no-fee RESP and get the Canada Learning Bond. How do I do that? What ID do I need to bring with the SINS’s?”

How do you get a Social Insurance Number?

For more information on how to get a Social Insurance Number, visit Service Canada or call 1-800-206-7218.

Service Canada locations in Halton:

Service Canada

How do you to find an RESP Provider?

There are many financial organizations licensed to provide RESPs, but each one is different.

Below are some RESP providers with:
No enrolment fee
No annual fee
No minimum contribution

You can print and bring one of the following sheets to the RESP provider to ensure that you are getting the RESP that you want.

Bank of Nova Scotia
Royal Bank of Canada
Bank of Montreal
TD Canada Trust
Canadian Imperial Bank of Commerce

If you have any questions please contact Michael Shaen at the Halton Poverty Roundtable,
at (905) 635-3131 ext.303 or by email at

Smart Saver – (has information on the CLB in 16 different languages, and other helpful resources)