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 4,500 plus 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!

Save with Member Rewards!

Member Rewards Savings Applies HERE!
With our Member Rewards program, you save money every day on fees, like our No-Fee Bank Account, where you can save as much as $300/year in fees! And say goodbye to pesky surcharge fees with our ding free® ATM network that saves you an average of $30/year.

We also offer some of the best rates in Canada on investment and lending products so you can save more of your hard-earned money every day.

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

Contact Us


Apply Now

From the Cubicle of Our CEO

Federal Continuance

Disclosure Notice

Caring Company