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Additional Accounts
Joint accounts and Power of Attorney (POA)
It’s important to know the advantages and risks of joint accounts and Power of Attorney (pdf). Planning can help you:
- Manage your money and property today
- Help you and your loved ones manage your affairs in the future
However, you should never feel pressured to open or sign either.
Please note: If you're opening a joint account with a POA, we may require you or your attorney to present the original POA or a notarized copy of the POA. We will require proper identification from both you and the attorney to meet anti-money laundering and other legal requirements.
See our informational brochure - What every older Canadian should know about Powers of Attorney and Joint Bank Accounts.
Trust Accounts
Open a basic trust account for your child, an informal trust account to help fundraise for a group or person, or a legal trust account as part of a Will.
Additional Investments
RRIF, LIF, and LIRA
Getting ready to retire? We’re here to help with the transition!
Get advice on how to convert your hard-earned retirement savings into income. We have a variety of investment options to choose from. Learn the differences from a wealth team who cares.
Start enjoying your retirement income today! Book an appointment with one of our wealth professionals.
Skip Your Payment*
Need to skip a loan or mortgage payment? We’re here to help when making a payment is difficult. Best of all, there’s no fee for taking advantage of our skip-your-payment service.
Contact us to easily arrange a deferred loan payment today.
Eco-Friendly Banking Solutions
Energy Efficient Home Renovation Loan
There are many eco-friendly options that help you to both minimize your carbon footprint and reduce your energy bills! See the difference when you make energy efficient investments into your home:
- Replace oil furnaces or low-efficiency systems with a high-efficiency furnace, air source heat pump, or geothermal heat pump.
- Purchase better wall or basement insulation and/or wall or roof panels.
- Install a high-efficiency water heater or on-site renewable energy like solar panels.
- Replace drafty windows and doors.
You have many financing options and incentives to make your green home renovations more affordable.
With Canada Mortgage and Housing Corporation (CMHC) and their CMHC Green Home program, energy-efficient housing is now more affordable with mortgage loan insurance. CMHC Green Home offers a partial refund on the cost of mortgage loan insurance. Buy, build, or renovate for energy efficiency and you may be eligible for a refund of up to 25% of your premium!
The Federal government has also proposed further incentives that can help you undertake retrofits identified through an authorized EnerGuide energy assessment. In combination with available grants, these loans can help you make deeper, more costly retrofits that have an even bigger positive impact in energy efficiency. More than 200,000 households can take advantage of this unique saving opportunity.
Auto Loan for Zero Emission Vehicles
When you purchase a zero-emission vehicle to help reduce your energy footprint, you’re eligible for the Government of Canada’s Incentive for Zero-Emission Vehicles (iZEV). You could receive up to $5,000 on eligible zero-emission vehicles for purchase or lease!
Check if your vehicle is eligible.
Responsible Investment Solutions
Innovation has partnered with NEI Investments, Canada's leading provider of Responsible Investment (RI) solutions. Together, we aim to make a positive difference for our investors, our partners, and society.
NEI has built Canada's most diversified lineup of RI top performing and actively managed funds. The world's leading institutional money managers and many RI leaders themselves advise the RI funds. And NEI's proprietary Investment Management, Asset Allocation and Environmental, Social and Governance (ESG) teams oversee the RI funds.
Some conditions apply. Ag/Business Loans are ineligible. Qualifying loans are eligible for one skipped payment per Skip-Your-Payment fiscal year. Interest will continue to accrue and be payable on the unpaid principal amount of the skipped payment but not on the unpaid interest. The original expiry date of the loan (if applicable) may be extended to accommodate this skipped payment.
Mutual funds are offered through Credential Asset Management Inc. Mutual funds and other securities are offered through Credential Securities, a division of Credential Qtrade Securities Inc. NEI Investments is a registered trademark of Northwest & Ethical Investments L.P. Credential Asset Management Inc., Credential Qtrade Securities Inc. and Northwest & Ethical Investments L.P. are all wholly owned subsidiaries of Aviso Wealth Inc. Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the prospectus before investing. Credential Securities is a registered mark owned by Aviso Wealth Inc.