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FAQs

Find the answers you need about your products and services. 

Join the 57,000+ members who bank with us!


Choose a category to learn more!

Login & Security

If you've never used our online & mobile banking, contact us to obtain a temporary username and password.

Online Banking

  • Choose Login from our website
  • Enter the temporary username and password we've given you
  • Follow the prompts to update your username and password and you're set!

Mobile App Banking

  • Search Innovation Credit Union from your favourite app store
  • Download our app
  • Enter the temporary username and password we've given you
  • Follow the prompts to update your username and password and you're set!

  • Search Innovation Credit Union from the Play Store or App Store, depending on your device
  • Download our app

You’ll receive a temporary login ID or Username to first log into digital banking. After your first login, you can change your Username to one of your choosing using the following criteria:

  • Minimum length is 6 characters
  • Maximum length is 32 characters
  • Minimum 1 letter
  • 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 can include one of the following special characters: a hyphen (-), period (.) or underscore (_)

You’ll use a password alongside your login ID when logging into your Innovation account online. It’s something you’ll create using the following criteria:

  • Minimum length is 10 characters
  • Maximum length is 50 characters
  • Minimum 1 uppercase letter
  • Minimum 1 lowercase letter
  • Minimum 1 number
  • Minimum 1 special character

You'll also be texted a one-time password for security purposes as part of your mobile banking set-up.

Please remember not to share your password with anyone as it gives them access to your online accounts.

If you've forgotten your username, select Forgot Username and follow the prompts.

If you've forgotten your password, select Forgot Password and follow the prompts. 

You can also give us a call at 1.866.446.7001 for help.

If you've forgotten your password, select Forgot Password and follow the prompts.

You can also give us a call at 1.866.446.7001 for help.

If you've forgotten your username, select Forgot Username and follow the prompts.

You can also give us a call at 1.866.446.7001 for help.

You will not be able to change your username after enrolling.

  • Click on your profile, located at the top right corner of your screen
  • Select Security Settings
  • Select Change Password
  • Enter your current password and your new password

Biometric login/authentication is a login method that allows you to use your fingerprint or face (depending on your device's supported method) to log into Innovation's mobile banking app. It is a safe and convenient alternative to remembering your username and password.

  • Enable biometrics in the settings of your device
  • Select 'Remember Me' when you login
  • Select your Profile in the top right corner of the screen
  • Tap Security Settings > Manage Biometrics
  • Move the Toggle to On

Not in online banking, but you sure can on our mobile app. NOTE: You are only able to remember one username.

  • Log into digital banking
  • Choose your Profile in the top right corner of your screen
  • Choose Manage Alerts
  • Set any alerts you choose to make your banking experience safer and easier

Sorry, our mobile app isn't supported on tablets. Please use your favourite browser on your tablet to access online banking for the best experience.

Manage Accounts

Select Accounts > View Accounts for a complete listing of account numbers and details.

Nicknames can help you distinguish your different accounts. (For example, a nickname could be 'John’s Account' or 'Vacation Savings’). It’s an optional feature – you can keep your account name as is if you choose.

To use a nickname for your account:

  • Select Accounts > View Accounts
  • Select the Account you’d like to create a nickname for
  • Select the edit (pen) icon from the green account badge
  • Enter your nickname and select the checkmark to save your changes

  • Log into digital banking
  • Choose Accounts > View Accounts
  • Select an Account
  • Select the edit (pen) icon from the green account badge
  • Enter your nickname and select the checkmark to save your changes

  • Log into digital banking
  • Choose Accounts > View Transactions
  • Choose the Account you wish to see transactions for
  • Use the filters to narrow down your search

You sure can!

  • Log into digital banking
  • Choose Accounts > Open Account
  • Select the Account type you're interested in and follow the prompts

  • Log into digital banking
  • Choose More > Statements > View E-Statement
  • Select the account you wish to see a statement for
  • Choose the statement date
  • A PDF will be downloaded to your computer or you can Share Details on your device

  • Log into digital banking
  • Choose More > Statements > E-Statement Subscription
  • Provide your consent
  • Confirm your subscription

  • Log into digital banking
  • Choose More > Order Cheques
  • Follow the prompts and you're set!

Once you submit your request, we'll be in touch with you to complete the process.

You can only access your Innovation account details in digital banking.

Sorry, you're not able to access Credential accounts in Innovation digital banking. However, the Credential login link is on our login page for your convenience.

Sorry, you're not able to access Qtrade accounts in Innovation digital banking. However, the Qtrade login link is on our login page for your convenience.

Sorry, you're not able to access Visa* transactions in Innovation digital banking at this time, but this feature is COMING SOON!

In the meantime, the Collabria login link is on our login page for your convenience.

Deposits

  • Log into your mobile app
  • Choose Deposit Cheque from footer menu
  • Follow the prompts and you're set!

It's free!

Processing may take up to three business days. There may also be holds placed on your funds. See our Account & Fee Information brochure (pdf) for hold timelines.

  • Ensure your camera lens is clean
  • Make sure the entire cheque is within the defined perimeter. It cannot touch the guide box.
  • Make sure when taking the photo, the camera is positioned directly overhead and not at a sharp angle which may distort the image.
  • Ensure the cheque details are highly visible. Watch for shadows and glare from overhead lights.
  • Centre the cheque on a dark surface in good light.
  • Try enabling and disabling the flash to adjust for low light or glare conditions.

To have your cheques automatically deposited for you, another option is Direct Deposit. To have your pay cheque automatically deposited:

  • Log into digital banking
  • Choose Accounts > View Accounts
  • Select the account you are wanting the form for
  • At the bottom of the accounts detail page you will find the Direct Deposit and Pre-Authorized Debit Form
  • Print off the form and give it to your employer

You can also call us to help with Direct Deposit for other deposits such as:

  • child tax benefits,
  • Employment Insurance (EI) payments,
  • pension payments,
  • old age security payments, and
  • disability payments.

  • Log into digital banking
  • Select Accounts > View Accounts
  • Select the account you are wanting the form for
  • At the bottom of the accounts detail page you will find the Direct Deposit and Pre-Authorized Debit Form

When processing cheques or clearing funds, financial institutions are identified through their individual Route & Transit number. You’ll sometimes need this information for things like setting up Direct Deposit with your employer.

  • Select Accounts > View Accounts
  • Select an Account to view Account Details. You’ll see the account number, type, balance etc. Included near the bottom of the details list, you’ll see the both the route and transit numbers. 

Transfers

  • Log into digital banking.
  • Choose Transfer Money from the main screen or Payments & Transfers from the menu.
  • Choose Transfers.
  • Choose Transfer Money.
  • Choose Another Member.
  • Select your recipient OR if you haven't added one yet, choose Add Recipient.
  • Follow the prompts and you're set!

You sure can!

  • Log into digital banking
  • Choose Payments & Transfers > Transfers > Transfer Money
  • Choose the To Own Account
  • Follow the prompts and you're set!

Sorry, you're not able to send a wire transfer through digital banking. Give us a call at 1.866.446.7001 for assistance.

  • Log into digital banking.
  • Choose Payments & Transfers > Transfers > Transfer Money
  • Choose the To Own Account
  • Follow the prompts and you're set!

If it's another Innovation member, you can use our member-to-member transfer option.

  • Log into digital banking
  • Choose Payments & Transfers > Transfers > Transfer Money
  • Choose Another Member
  • Choose Add Recipient
  • Follow the prompts and you're set!

If they are not an Innovation member, you can send them an Interac e-Transfer®. See our Interac e-Transfer® section for details.

  • Log into digital banking
  • Select Payments & Transfers > Transfer > Transfer Money
  • Select To Own Account or To Another Member
  • Select the start date, end date (if applicable) and frequency

Interac e-Transfer®

  • Login to digital banking
  • Select Payments & Transfers > Interac e-Transfer® > Profile Settings
  • Follow the prompts and you're set

Your transfer notice will instantly be sent to your recipient. It's up to them to then accept your transfer and deposit the funds.

Sorry to hear that! Give us a call at 1.866.446.7001 and we can help.

A security question is a question you create for your recipient to answer to accept their Interac e-Transfer®.

Create a question that only the person you're sending your transfer to knows. That way, if the transfer is intercepted somehow, the funds will be safe from fraudsters.

Keep in mind, the answer can only be a single word.

  • Login to digital banking
  • Select Payments & Transfers > Interac e-Transfer® > Manage Contacts
  • Select Add New Contact
  • Follow the prompts and you're set

  • Login to digital banking
  • Select Payments & Transfers > Interac e-Transfer® > Send Money
  • Follow the prompts and you're set

  • Interac will send you a notification depending on your notification settings.
  • Select the link provided in your notification. You'll be brought to the Interac website.
  • Scroll down and select Saskatchewan from the Province or Territory field.
  • Select Innovation Credit Union from the Credit Union field.
  • Select Deposit.
  • Login to digital banking.
  • Answer the security question. Follow the prompts and you're set!

  • Login to digital banking
  • Choose Payments & Transfers > Interac e-Transfer® > Pending
  • Choose the transfer you wish to cancel
  • Follow the prompts and you're set

  • Login to digital banking.
  • Choose Payments & Transfers > Interac e-Transfer® > Request Money
  • Choose the contact you wish to request money from
  • Follow the prompts and you're set!

  • Interac will send you a notification depending on your notification settings.
  • Select the link provided in your notification. You'll be brought to the Interac website.
  • Scroll down and select Saskatchewan from the Province or Territory field.
  • Select Innovation Credit Union from the Credit Union field.
  • Login to digital banking.
  • Follow the prompts and you're set!

Autodeposit is a convenient feature in Interac e-Transfer®. When someone sends you an Interac e-Transfer®, the funds are automatically deposited to your account without a security answer.

Here's how you can register:

  • Login to digital banking
  • Select Payments & Transfers > Interac e-Transfer® > Autodeposit Settings
  • Follow the prompts and you're set

  • Login to digital banking
  • Select Payments & Transfers > Interac e-Transfer® > Autodeposit Settings
  • Select the registration you wish to edit
  • Follow the prompts and you're set

You'll receive a notification from Interac when your funds are deposited.

  • Login to digital banking
  • Select Payments & Transfers > Interac e-Transfer® > History
  • Select the date range, tap/click Search, and you're set!

  • Login to digital banking
  • Select Payments & Transfers > Interac e-Transfer® > Pending
  • Select Send Money or Request Money
  • Choose the transfer you want to resend a notification for
  • Select the Resend Notification button

  • Login to digital banking
  • Select Payments & Transfers > Interac e-Transfer® > Pending
  • Select Send Money 
  • Choose the transfer you want to resend a notification for
  • Select the Resend Notification button

You can stay safe from Interac e-transfer fraud by following these best practices.

  • Register for AutoDeposit
    Having funds automatically deposited into your account removes the risk of a criminal intercepting the deposit email.

  • Use answers not easy to guess
    Ensure the answer to your question cannot be easily guessed or found on social media. If the notification is intercepted, it will be harder for a criminal to answer and steal the funds.

  • Don't put the answer to the security question in the message box
    Only share the answer via a secure channel (e.g. in person or over the phone).

  • Protect your email's security
    Be cautious of phishing links. Don’t stay logged in when you’re away from your computer. Use strong passwords that are difficult to guess.

  • Register for online banking alerts and immediately notify us if you sense anything suspicious about your transaction.

Payments

  • Login to digital banking
  • Select Payments & Transfers > Payments > Pay Bills
  • Follow the prompts and you're set

  • Login to digital banking
  • Select Payments & Transfers > Payments > Pay Bills
  • Select the start date, end date (if applicable) and frequency
  • Follow the prompts and you're set

  • Login to digital banking
  • Select Payments & Transfers > Payments > Pay Bills
  • Choose Add New Payee Follow the prompts and you're set

You sure can.

  • Login to digital banking
  • Select Payments & Transfers > Payments > Pay Business Taxes
  • Scroll down and select the Tax Category you wish to pay
  • Select Remit under the respective business number
  • Follow the prompts to make a payment

  • Select Payments & Transfers > Payments > Pay Business Taxes
  • Scroll down and select the Tax Category you wish to add
  • Add your business number

This is simply a security feature to prevent others from seeing your card number/details.

You bet! Give us a call at 1.866.446.7001. Please note, you may be charged a fee depending on how many hours have passed since the payment was made.

Less than 24 hours: 

If the payment was sent within the last 24 hours, you will not be charged any fee to reverse the payment.

More than 24 hours:

If more than 24 hours have passed since the payment was made you will have to pay a $25 fee.

You can also stop a scheduled bill payment or reverse a pending bill payment that has not yet been accepted.

  • Select Payments & Transfers > Scheduled Payments & Transfers
  • Select the account under which the payments are scheduled
  • Select the arrow beside the payment and select Delete

ATM

You can use any ATM but we highly recommend using our ding free ATM network. You'll pay no surcharges on your withdrawals across thousands of machines across Canada. Download the ding free ATM app to find your nearest surcharge-free ATM today. 

You can use an ATM outside of Canada. The out-of-country ATM must have at least one of the symbols that is on the back of your debit card or Visa card.

  • Debit Card - CIRRUS, MAESTRO, Interac or AccuLink
  • Visa Card- PLUS

Send us a message or give us a call at 1.866.446.7001 and we can order one for you.

To access our Lock'N'Block feature:

  • Log into digital banking
  • Select More > Lock'N'Block® and follow the prompts

To access our Lock'N'Block feature:

  • Log into digital banking
  • Select More > Lock'N'Block® and follow the prompts

To access our Lock'N'Block feature:

  • Log into digital banking
  • Select More > Lock'N'Block® and follow the prompts

To redeem your Visa rewards points, visit Collabria's reward headquarters.  Reward yourself with:

  • gift cards
  • travel
  • event tickets
  • cash back merchandise

You can add Visa as a bill payee in digital banking, or you can enroll your card on the My Card Info website.

After enrolling, you can:

  • view recent transactions,
  • make a payment,
  • sign up for Autopay, a feature that will automatically pay the balance of your card each month...and more!

Loans

  • Log into digital banking
  • Select Accounts > View Accounts
  • You'll find a listing of all your accounts and loans and the balances for each

  • Log into digital banking
  • Select Payments & Transfers > Transfers > Transfer Money
  • Select the loan you'd like to make an additional payment to
  • Follow the prompts and you're set

Note: Your transfer will be a principal only payment

A line of credit:

  • is attached to your chequing account,
  • has a onetime application fee upon approval, and
  • has an annual fee.

A Quick Loan is a separate loan account where you can:

  • transfer funds to your chequing account as you need them,
  • make regular payments similar to a loan if there's a balance is owing. and
  • has a one-time application fee.

Both are fantastic financing options that earn you Member Rewards just for banking with us. 

To compare more loans, visit our loan comparison page OR our loan selector tool.

To payout your entire loan, please call us at 1.866.446.7001.

Fees for a Quick Loan are different for unsecured vs secured credit. Secured loans are backed by an asset or collateral in case you're not able to repay your loan. Unsecured loans require no collateral.

Unsecured credit fees: $50 one-time set-up fee plus 3rd party fees

Secured credit fees: $100 one-time set-up fee plus 3rd party fees 

Interest is calculated daily on the outstanding balance and charged monthly.

We'll be able to help you with your borrowing needs faster if you can provide:

  • Recent and updated financial verification
  • Updated Net Worth Statement
  • In the case of certain loans, you will be required to have a down payment

We may need additional information depending on your borrowing needs and credit score.

Mortgage

  • Log into digital banking
  • Select Accounts > View Accounts
  • You'll find a listing of all your accounts and loans and the balances for each

If you'd like help choosing the right mortgage for you, try our mortgage selector tool. It will suggest the ideal mortgage for you based on your needs. Try it today!

Your mortgage is tied to a specific interest rate for a certain period of time. This is typically 1-5 years.

A fixed rate is when you lock in your rate to product against future rate increases.

A variable rate is when your interest rate rises and falls with the Prime rate. It's a more risky choice, however, you may select a variable rate if you think rates may go down in the future or you plan to put extra funds on your mortgage and pay it off sooner.

Give us a call at 1.866.446.7001 and we'll help you get started. Thank you for thinking of us!

Cards

Report your lost or stolen card immediately to 1-800-699-9946.

We also recommend that you lock your card to prevent fraudulent activity by using Lock'N'Block® . Simply:

  • Log into digital banking
  • Choose More > Lock'N'Block® and follow the prompts

To access our Lock'N'Block feature:

  • Log into digital banking
  • Select More > Lock'N'Block® and follow the prompts

Business Accounts

Once logged in, you will be able to transfer money to and from your AgriInvest Account from your chequing and/or non-registered savings accounts.

You will not be able to:

  • conduct member-to-member transfers,
  • send/receive Interac e-transfers®,
  • make bill payments, or
  • use remote deposit capture from within your AgriInvest account.

The key features that make business digital banking different is that with business digital banking you can:

  • Create approval flows that support dual signature requirements
  • Access an audit trail
  • Access Delegate Management (multiple user support)
  • Approve transactions on the go through mobile web devices

Delegates are employees who are granted limited access to business digital banking by a Signer. They can see business accounts and transactions.

Delegates access can be either Initiator or Read-Only.

Delegate-Initiator access: Allows delegates to create certain transactions on behalf of their Signers. Transactions aren't executed until they are approved by the Signers. Transactions include:

  • transfers, 
  • bill payments, 
  • Interac e-Transfer®, and
  •  creating similar transactions from previous transactions. 

Delegates Read-only access: Allows the user to view account information but does not allow them to perform any transactions on the account.

  • Log into digital banking
  • Select More > Select Business Services > Manage Delegate
  • Click on "Add New Delegate" button

  • Log into digital banking
  • You'll see Pending Approvals on the Home Page that lists up to 3 transactions awaiting approval.

You can also:

  • Select More > Business Services > Pending Transactions
  • Select the Pending Your Approval tab to see all the transactions awaiting approval.

Yes, you do. To add delegates simply:

  • Log into digital banking
  • Select Business Services > Manage Delegates

Yes, you will. To receive alerts via email or mobile phone, Business Signers must have an updated mobile phone number and email address in your profile.

To subscribe to Business Services alerts:

  • Login to digital banking
  • Select your Profile > Manage Alerts > Business Services Alerts
  • Turn on the toggle for "Transaction About to Expire" and "Transaction Pending Approval"

Between the 3rd and 7th day, a “Transaction Pending Approval” alert will be sent to all signers daily until the transaction is approved.

On the 7th day, a "Transaction About to Expire" alert will be sent to warn the Signers the transaction is about to expire if not approved.

Sorry, you're required to have your business and personal online banking accounts on a separate login.

Membership

The easiest way to become a member is by opening a No-Fee Bank Account with us. It's a truly free account you can open in minutes online. 

There isn't a fee but there is a $5 member share you'll need to purchase when you open your account. It’s a one-time investment that gives you a vote.

  • You can elect candidates for our board of directors. 
  • Your board oversees what we do. So, you always have a say!

$5 of your first deposit purchases your share. You’ll see your share in your Member Rewards Account.

If you're not yet a member of Innovation, you can:

Once you're a member and enrolled in digital banking, you can open more accounts like Term Deposits, RRSPs and more.

  • Log into digital banking
  • Choose Accounts > Open Account
  • Select the Account type you're interest in and follow the prompts

A great place to learn more about the benefits of banking with us is by visiting our Rewards page. Save, earn, and give more today!

You need to become a member to use our products and services.

You can see your Member Rewards in digital banking:

  • Log in
  • Choose Accounts > View Accounts
  • You'll find a listing of all your accounts and loans and the balances for each

Account Profile

  • Log into digital banking
  • Select your name/circle with initial from the menu > Profile

  • Log into digital banking
  • Select your Profile from the top right corner of your screen
  • Select Update Profile
  • Make your necessary edits
  • You'll receive a verification code to your mobile phone to confirm it's you making the changes

  • Log into digital banking
  • Select your Profile from the top right corner of your screen
  • Choose Profile
  • Select the camera icon that is on your profile photo/circle
  • Upload the photo you wish to feature

You can update everything except your home/mailing address. To make address updates, call us at 1.866.446.7001. All other updates can be made by taking the following steps:

  • Log into digital banking
  • Select your Profile from the top right corner of your screen
  • Choose Update Profile
  • Make your necessary edits
  • You'll receive a verification code you can enter to confirm it's you making the changes to your profile

General

We have both a privacy code and digital privacy policy for your banking comfort and security.

Our digital banking is safeguarded with the best technology available. Learn more by visiting our Privacy & Security page.

You can locate our branches and ATMs using our locator tool.

You bet! Visit our Terms & Conditions page for all of our products and services.