Coming in 2022! Improved digital banking!
Important- make sure your email address and cell number are up to date for an easy transition.

We heard you!

You let us know you wanted an exceptional digital banking experience. An easy-to-use, intuitive website and digital banking services. We listened and changes are coming February 15, 2022!

We’ll be launching a new digital banking experience – a simpler, more convenient website, online banking platform, and mobile app. We’ll share our progress with you over the coming months so you’re ready for better banking SOON.

First step

We want your transition to our new digital banking experience to be seamless and worry-free. Here are two first steps that will help:
  1. Make sure we have your valid, current email address.
  2. Ensure we also have your current cell phone number.
Your email and cell number will help enable security features within the new digital banking system.

How do I update my email and cell phone number?

In online banking:
  1. Login to online banking
  2. Select Profile and Preferences from the left menu
  3. Select Change Contact Information
  4. Select Phone Number/Email
  5. Enter your current information and date and you're set!
Call us
You can also call us at 1.866.446.7001 and update your information with us over the phone. Our call centre hours of service are:
  • Monday to Friday, 8am to 8pm
  • Saturdays and Sundays, 9am to 6pm
Stop by
You can also stop by any branch location to update your information in person.

Next step

Our improvements might cause you to ask a number of questions:
  • Will your website address change?
  • Will I need to download a new mobile app?
  • Will there be any outages as you transition?
Be sure to read through our FAQs section below. We'll keep adding new questions and answers for you so visit this page often!


FAQs for Personal Accounts Expand/Collapse

Is your website address changing?

No, our website address will stay the same.

Do I have to change my bookmarks in online banking?

We’re going to try our best to automatically redirect you, but you might need to set new bookmarks once you’re in the new system.

Will this impact my usernames and passwords in online banking or my mobile app?

Yes. Previously for login, you’d enter your debit card number and a password of your choosing. For added conveniences and security on our new sites, you will be able to pick an easy to remember, unique username as well as a password. No more memorized accounts since your username will be much easier to remember than your debit card number.

Username Criteria:
  • Minimum length is 6 characters
  • Maximum length is 32 characters
  • Your debit card number cannot be used
  • Your email address cannot be used
  • No spaces between characters
  • Your first name or last name cannot be used
  • You will need to include one of the following special characters: a hyphen (-), period (.) or underscore (_)

Password Criteria:
  • Minimum 10 characters
  • Minimum 1 letter
  • Minimum 1 number
  • Minimum 1 special character from the following options: a hyphen (-), period (.) or underscore (_)
  • Minimum 1 uppercase and 1 lower case character
You'll also be texted a one-time password for security purposes as part of your mobile banking set-up.

Will I have to download and save all my e-statements before the transition?

Not at all. Your e-Statements will be available as per usual.

Will this impact my ability to see my banking history?

No, your history will carry over. You’ll be able to see it as per usual.

Will I have to download a new Innovation mobile app?

Yes, you will. We’ll share more details on how and when it’s available.

What happens to the old mobile app? Should I delete it? Are there safety concerns?

There are no safety concerns if you keep the old mobile app on your phone. However, we recommend you uninstall it to avoid any confusion.

Will there be banking outages during the transition?

Yes, there will be an outage. We’re going to try our best to make the transition outside of normal office hours so that the downtime is minimal for you. We’ll share specific details closer to the transition date.

Will my Interac e-Transfer® contacts transfer over automatically?

You bet!

Will my bill payees transfer over automatically?

They sure will!

Will there be business online banking services, or will we lose our current systems?

There will be new business online banking services. We’ll share the updated features with you closer to launch.

Will my scheduled payments transfer over automatically?

You bet!

Will I need to set up my automatic payments for CRA again?

Unfortunately, CRA automatic payments will not automatically transition to the new banking sites. You will need to set up these payments again. If you do want to access historical data from these payments, please make sure you print or save that information to your computer prior to February 15th, 2022.

Will my direct deposits be impacted?

No, they won’t. They’ll remain unchanged.

How do I log in for the first time?

When you first login, you’ll use your current username and password. We’ll then redirect you to update both.

Will the app still have a cheque deposit feature?

Absolutely!

Will I lose the Innovation accounts I had set up to easily transfer funds to my family without having to use Interac e-Transfer®?

Initially, yes. But with new Member-to-Member transfer feature, you can add and save recipients on your own! All you need is the recipient’s Innovation account number.

Can I still make principal only payments to my loans and/or mortgage on the new system?

You bet!

Will I lose the banking alerts I had set up?

The new system still offers banking alerts. You can set them up again once we launch. To get started, choose Profile in the top right corner of your screen. Set any of the following alerts to make your banking experience safer and easier.

Security Alerts:
  • Changes to Account
  • Interac e-Transfer® Recipient Added
  • New Face or Touch Access
  • New Payee Added
  • Password Changed
  • Invalid Password or Verification Code Attempt
  • Online Login

Balance & Transaction Alerts:
  • Balance & Transaction Activity
  • Generic Balance Report
  • Low Balance
  • Deposit Activity
  • Withdrawal Activity

Scheduled Payment & Transfers:
  • Scheduled Payment or Transfer Failure Warning
  • Scheduled Payment Failed
  • Scheduled Transfer Failed

Will Innovation still support Apple Pay and Google Pay?

Absolutely!

Will the new system still have Lock’N’Block?

You bet! Still safety at your fingertips.

Will telephone banking be affected?

Not at all.

Will ATM/POS be affected?

No, they won’t.

Will I still be able to use the Me-to-Me Transfers feature?

Although Me-to-Me Transfers will no longer be available, you can easily send money via Interac e-Transfer® and Request Money via Interac e-Transfer®. If you have a No-Fee Bank Account, Interac e-transfer® is FREE!

What if I want to make an extra payment on my loan?

You can! Please note that the payment will be applied to your principal amount.

Will I still be able to use my Mobile Text Banking?

With most members using the mobile app, Mobile Text Banking will no longer be available.

Will I still have access to ePost?

We are seeing a decline in the number of members that use ePost so it will not be a function of our new banking sites.

Will I still be able to use Interac Online Payment?

Unfortunately, this service will no longer be available. Alternative online payment options for you could be PayPal or a credit card. On some sites you also can send an Interac e Transfer®.

Will my quick loan still only show the updated balance the day after I make a transfer?

In the new system your available balance will instantly update after you make a transfer from your loan to your account.

Will Realty Trust and Lawyer Trust accounts work the same?

Realty Trust and Lawyer Trust will be read only as per Law Foundation and the Real Estate Board’s requirements.

Will I still be able to see my Credential accounts through online banking?

Initially you will not be able to view your Credential accounts, but we are working to have this ability incorporated at a later date. You can view your Credential accounts by taking the following steps:

1. Go to Credential.com
2. Select which platform you currently have your investments under:
  • Credential Asset Management
  • Qtrade Asset Management
  • Credential Securities
3. If you are already registered put your email and password in to access your investments OR

If you are not registered choose “Register Now “under the login button. You can then provide the following information to proceed:
  • Email
  • First Name
  • Last Name
  • Account Number
  • Last 3 digits of your Social Insurance Number
  • Date of Birth o Advisor First and Last Name

4. If you have a corporate or business account, you will need the following:
  • Account Number
  • Company Name
  • Postal Code

FAQs for Business Accounts Expand/Collapse

Be sure to also check out the FAQs for personal accounts above, as some items may also apply to your business.

What functionality will I have with my AgriInvest account?

You will be able to transfer money to and from your AgriInvest Account, chequing account, and/or a non-registered savings account. Should you have other deposit, bill payments or transfer needs, please call us at 1.866.446.7001.

Will this impact my usernames and passwords in online banking or my mobile app?

Yes. Previously for login, you’d enter your debit card number and a password of your choosing. For added conveniences and security on our new sites, you will be able to pick an easy to remember, unique username as well as a password. No more memorized accounts since your username will be much easier to remember than your debit card number.

Username Criteria:
  • Minimum length is 6 characters
  • Maximum length is 32 characters
  • Your debit card number cannot be used
  • Your email address cannot be used
  • No spaces between characters
  • Your first name or last name cannot be used
  • You will need to include one of the following special characters: a hyphen (-), period (.) or underscore (_)

Password Criteria:
  • Minimum 10 characters
  • Minimum 1 letter
  • Minimum 1 number
  • Minimum 1 special character from the following options: a hyphen (-), period (.) or underscore (_)
  • Minimum 1 uppercase and 1 lower case character
You'll also be texted a one-time password for security purposes as part of your mobile banking set-up.

Will I still be able to consolidate both my business and personal accounts under one login?

You’ll now be required to have your business and personal online banking accounts on a separate login.

Will I lose the banking alerts I had set up?

The new system still offers banking alerts. You can set them up again once we launch. To get started, choose Profile in the top right corner of your screen. Set any of the following alerts to make your banking experience safer and easier.

Security Alerts:
  • Changes to Account
  • Interac e-Transfer® Recipient Added
  • New Face or Touch Access
  • New Payee Added
  • Password Changed
  • Invalid Password or Verification Code Attempt
  • Online Login

Balance & Transaction Alerts:
  • Balance & Transaction Activity
  • Generic Balance Report
  • Low Balance
  • Deposit Activity
  • Withdrawal Activity

Scheduled Payment & Transfers:
  • Scheduled Payment or Transfer Failure Warning
  • Scheduled Payment Failed
  • Scheduled Transfer Failed

Will I need to set up my automatic payments for CRA again?

Unfortunately, CRA automatic payments will not automatically transition to the new banking sites. You will need to set up these payments again. If you do want to access historical data from these payments, please make sure you print or save that information to your computer prior to February 15th, 2022.

Are there any changes to bill payments?

Only how payees are displayed. For security purposes, you will only be able to see the last four digits of any payee accounts you have set up. It will look like this:


Bill Payee example

Will my quick loan still only show the updated balance the day after I make a transfer?

In the new system your available balance will instantly update after you make a transfer from your loan to your account.

Will Realty Trust and Lawyer Trust accounts work the same?

Realty Trust and Lawyer Trust will be read only as per Law Foundation and the Real Estate Board’s requirements.

Will I still be able to see my Credential accounts through online banking?

Initially you will not be able to view your Credential accounts, but we are working to have this ability incorporated at a later date. You can view your Credential accounts by taking the following steps:

1. Go to Credential.com
2. Select which platform you currently have your investments under:
  • Credential Asset Management
  • Qtrade Asset Management
  • Credential Securities
3. If you are already registered put your email and password in to access your investments OR

If you are not registered choose “Register Now “under the login button. You can then provide the following information to proceed:
  • Email
  • First Name
  • Last Name
  • Account Number
  • Last 3 digits of your Social Insurance Number
  • Date of Birth o Advisor First and Last Name

4. If you have a corporate or business account, you will need the following:
  • Account Number
  • Company Name
  • Postal Code

Will I need to re-create my business online banking delegates?

Yes, you will. To add delegates simply log into your business account online, got to business services and select Manage Delegates.

What if my business has pending transactions my delegate created awaiting approval? Will they still be there for me to approve after the transition?

They won’t transition over. Please approve any pending transactions by February 14, 2022.

Will my approved transaction history carry over to the new site?

Please print or save any audit history you need, as approved transactions won’t carry over to the new site.

More details coming soon!

Stay tuned to this page to learn more valuable information about the upcoming transition.

If you have additional questions, please give us a call at 1.866.446.7001.

Thank you for your inputs and cooperation in helping us deliver a better banking experience for you!

Apply Now