Free ATM network

As an Innovation member, you're part of one of the largest surcharge-free ATM networks in the country! Our national credit union ATM network means you can bank ding free at nearly 2,000 credit unions and other financial institutions across Western, Central, and Eastern Canada. Just look for a ding free sign on your ATM and say goodbye to those pesky surcharge fees.

Get the ding free® Locator App!
Available for iPhone®, Android™, Windows®, and Blackberry® devices, our ding free locator app can help you find the nearest surcharge-free ATM wherever you are. To get yours for free, visit

Since the ding free Locator launch, the app has been rated five stars out of five with Apple-product users!

Need a debit card to start using our free ATM network? We'd love to help:


Apply Now

For information on upcoming changes to DEPOSIT INSURANCE if we become a federal credit union, see our disclosure notice. Creditors who have concerns may contact Innovation Credit Union.