FAQs

  • Get help with digital banking
  • Learn more about our products and services
  • Discover how to become an Innovation member

Join the 67,500+ members who bank with us!

Man Looking at Phone Screen


Report a Lost or Stolen Card

Debit Cards & Debit Mastercard® Cards
During business hours: 1.866.446.7001
After business hours: 1.888.277.1043

Visa* Cards
24/7 cardholder service

Canada & US: 1.855.341.4643
International: 1.647.252.9564

How to Lock Your Debit Card
Please also use the Lock'N'Block feature to instantly stop further unwanted activity on your debit card. Log into digital banking and choose More > Manage Cards > Lock’N’Block Card.


Login & Security

How do I get started with digital banking?

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 Federal 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!

How can I download the Innovation mobile app?

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

What is my login ID or username?

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/Debit Mastercard® 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 (_)

What is my password?

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.

I am not able to log in. What do I do?

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.

I forgot my password. What do I do?

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.

I forgot my username. What do I do?

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.

Can I change my username?

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

How do I change my password?

  • 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

What do you mean by biometric log in/biometric authentication?

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.

How do I enable biometric login on Innovation's mobile banking app?

  • 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

Can I use the Remember Me option to save my username in digital banking?

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

Do you have an Innovation mobile app for iPads or tablets?

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.

What are banking alerts?

Banking alerts are designed to keep you informed when it comes to your account activity. There are three alert categories: Security Alerts, Balance & Transaction Alerts, and Scheduled Payments & Transfers Alerts.   

  • You’ll receive alerts by text, email, or both depending on your notification settings. A text message can only be sent to a Canadian mobile phone number.  

  • If we don’t have your Canadian mobile number or email, you won’t receive any alerts.  

  • You can opt out of receiving alerts at any time. 

Why am I receiving a low balance banking alert? I didn’t sign up for it. 

Unless you opt out, we’re required to automatically send an alert if: 

  • the actual balance (excluding any overdraft protection) of your personal deposit account(s) drops below an amount you set (or $100 by default), and  

  • the available credit on your line of credit and/or overdraft protection drops below the amount you set (or $100 by default). 

If you’re a digital banking user, you can change your alert preferences at any time, including opting out of receiving the alert:  

  • Log into digital banking 
  • Select your profile icon, then select Manage Alerts > Balance & Transaction Alerts 

Not a digital banking user? Call us at 1.866.446.7001.

What personal information will you include in a banking alert message?

Any account numbers we include in your alert will only be partial to prevent fraudulent activity. We will never share personal financial information with you over text or email. If you suspect you’ve been a victim of fraud, please call us at 1.866.446.7001. 

How do I set up banking alerts?

  • 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

Will any new deposit or credit accounts I open be automatically registered for alerts?

Any new personal deposit accounts you open will be automatically subscribed to $100 low balance alerts on your actual balance.  

Any new lines of credit and/or overdraft protection you open will be automatically subscribed to $100 low balance alerts on your available credit. 

How do I adjust my low balance alert settings or opt out of receiving alerts?

If you use digital banking: 

  • Log in
  • Select your profile icon, then select Manage Alerts > Balance & Transaction Alerts  

If you’re not a digital banking user, call us at 1.866.446.7001.

I can't find my debit card/Debit Mastercard.® Is there a way to cancel it to prevent fraud?

You bet! You can lock your debit card/Debit Mastercard® and block unauthorized or unwanted use with Lock’N’Block®:

  • lock your debit card/Debit Mastercard®,
  • block ATM transactions,
  • block purchases and refunds, and
  • block all international transactions.

To access Lock'N'Block® through online banking or our mobile app:

  • Log in
  • Click More > Manage Cards > Lock'N'Block® Card 

If you're not a digital banking member, simply call at us at 1.866.446.7001 and we can help you.



Manage Accounts

Where do I find my Innovation account number?

  • Select your account from the home screen.
  • Select the Account Details tab to view your account information, including your account number. 

What is an account nickname?

Nicknames can help you distinguish between 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.

How do I add or edit an account nickname?

To add or edit an account nickname:

  • Select your account from the home screen.
  • Select the edit (pen) icon from the green account badge.
  • Enter the account nickname and select the checkmark to save your changes.  

Can I view my balance without logging in?

You sure can! Simply:

  • Login
  • Select More > Balance Preview
  • Follow the prompts and you're set!

Where can I see a list of all my banking transactions?

  • Select your account from the home screen.
  • Scroll to view all your transactions or use the Search button to find specific transactions.

Can I open additional accounts within digital banking?

You sure can!

  • Log into digital banking
  • Select the Open an Account option that’s found beside My Accounts
  • Select the account type you're interested in and follow the prompts

Can I toggle between business and personal accounts?

You sure can!

  • Log into your personal account on your favourite device then log out.
  • Log into your business account on this same device then log out.
  • When you log back into either account, choose your profile icon > Switch Profiles. You’re now set to switch with ease!

Note: this new feature is not available on desktop just yet.

How do I view or download my e-statements?

  • Log into digital banking
  • Select your account from the home screen
  • Select Statements
  • Choose the statement date

A PDF will be downloaded to your computer, or you can Share Details on your device.

How do I sign up for e-statements?

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

How do I order cheques?

  • Log into digital banking
  • Choose More > Cheques > 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.

Can I access Aviso Wealth and Qtrade account details and transactions in digital banking?

You can access any Innovation Wealth accounts you have through Innovation Federal Credit Union's digital banking. These include accounts you have with:

  • Aviso Wealth
  • Qtrade Direct Investing
  • Qtrade Guided Portfolios

Can I access Collabria Visa* card details and transactions in digital banking?

Sorry, you're not able to access Collabria Visa* transactions in Innovation digital banking at this time. However, the Collabria login link is on our login page for your convenience.



Deposits

How do I deposit a cheque using my mobile phone?

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

Is there any cost of using mobile cheque deposit?

It's free!

Will my money be deposited instantly if I use the cheque deposit feature?

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

What are some best practices for using cheque deposit on my app?

  • 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.

How do I sign up for Direct Deposit?

To have your pay cheque automatically deposited to your account:

  • Log into digital banking
  • Select your account from the home screen
  • Select the Account Info tab. At the bottom of the Account Info 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.

Where do I find a Direct Deposit and Pre-Authorized Debit form?

  • Log into digital banking
  • Select your account from the home screen
  • Select the Account Info tab 

At the bottom of the Account Info page, you will find the Direct Deposit and Pre-Authorized Debit Form

What is a Route & Transit number?

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.

How do I find my Route & Transit number?

  • Select your account from the home screen
  • Select the Account Info tab   

Near the bottom of the details list, you’ll see both the route and transit numbers for your account.



Transfers

How do I transfer funds to another Innovation member?

  • Log into digital banking.
  • Choose Transfer from the home screen
  • Select the Another Member tab
  • Select your recipient or if you haven't added one yet, choose Add Recipient.
  • Follow the prompts and you’re set!

NOTE: If you’re transferring funds to an Innovation member for the first time, send a small amount to be sure you have their correct account number.

Can I transfer funds to a USD account?

You sure can!

  • Log into digital banking
  • Choose Transfer from the home screen
  • Select the To Own Account tab
  • Follow the prompts and you're set!

How can I send a wire transfer?

You can send money internationally with OFX.

  • Log into digital banking
  • Select Move Money > International Transfers and follow the prompts.

How do I transfer funds to my other Innovation accounts?

  • Log into digital banking.
  • Choose Transfer
  • Choose the To Own Account tab
  • Follow the prompts and you're set!

How do I add a transfer recipient?

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

  • Log into digital banking
  • Choose Transfer from the home screen
  • Select the Another Member tab
  • Choose Add Recipient
  • Follow the prompts and you're set!

NOTE: If you’re transferring funds to an Innovation member for the first time, send a small amount to be sure you have their correct account number.

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

How do I schedule a transfer?

  • Log into digital banking
  • Select Transfer from the home screen
  • Select the To Own Account or Another Member tab
  • Select the start date, end date (if applicable), and frequency

How do I delete or edit a scheduled transfer?

NOTE: If you have a scheduled transfer that was not set up by you within online banking, please call us at 1.866.446.7001 and we can edit or delete that transfer for you.

How do I transfer money to my RRSP online?

  • Log into digital banking
  • Select Transfer
  • Select To Own Account
  • Select your RRSP account

If you don’t have an RRSP account, you can open one by choosing the Open an Account option that’s found beside My Accounts.



Interac e-Transfer®

How do I create and update my Interac e-Transfer® profile?

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

How long does an Interac e-Transfer® take to complete?

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

Why do I get an error message while sending or receiving an Interac e-Transfer®?

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

What is a security question?

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.

How do I add a new Interac e-Transfer® contact?

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

How do I edit or delete an Interac e-Transfer® contact?

  • Login to digital banking
  • Select Move Money > Interac e-Transfer® > Manage Contacts
  • Search for your contact
  • Open your contact and select Delete or Edit 
  • Follow the prompts and you're set

How do I send an Interac e-Transfer®?

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

How do I receive an Interac e-Transfer®?

  • 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 Federal Credit Union from the Credit Union field.
  • Select Deposit.
  • Login to digital banking.
  • Answer the security question. Follow the prompts and you're set!

How do I cancel an Interac e-Transfer®?

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

How can I request money through Interac e-Transfer®?

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

How do I accept a money request through Interac e-Transfer®?

  • 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 Federal Credit Union from the Credit Union field.
  • Login to digital banking.
  • Follow the prompts and you're set!

What are my Interac e-Transfer® limits?

 

Interac e-Transfer® TransactionLimit
Outgoing TransfersPer transaction: $10,000*
Daily: $20,000*
Weekly: $50,000*
Monthly: $100,000*
Incoming TransfersPer transaction: $25,000
Daily: Unlimited
Weekly: Unlimited
Monthly: Unlimited

* Your transfer limits may vary. Please contact us to know your personal limits or to change them.

Note: Transfer limits are based on the date and time of the most recent Interac e-transfer® transaction. For example, if a transaction was sent at 8:00 a.m. today, your limit period will expire at 7:59 a.m. tomorrow. 

What is Autodeposit?

Autodeposit is a convenient Interac e-Transfer® feature. When someone sends you an Interac e-Transfer®, the funds are automatically deposited to your account without the need to log into digital banking and provide an answer to a security question.

How do I register for Autodeposit?

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

How do I edit my Autodeposit settings?

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

Once I have registered for Autodeposit, how will I know when someone sends me money?

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

How do I view my Interac e-Transfer® history?

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

My recipient did not receive a notification. What do I do?

  • Login to digital banking
  • Select Move Money > 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

How do I send a reminder to my recipient to deposit their money?

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

What are some best practices to stay safe when sending/receiving transfers?

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.


Wealth Accounts Feature

What is the Wealth Accounts feature?

The Wealth Accounts feature provides you with the ability to connect investment accounts from the list of partners below to your Innovation online and mobile banking experience:

  • Aviso Wealth accounts
  • Qtrade Direct Investing™ accounts
  • Qtrade Guided Portfolios™ accounts

How does the Wealth Accounts feature work?

To link a wealth account, you will need your client number (located on your Aviso or Qtrade investment account statement). Once the account is linked, you will be able to see your Aviso and Qtrade account balances, holdings, and transactions for the last 12 months.

Note: The information will reflect the previous business day’s data.

Where do I access the Wealth Accounts feature?

  • Log into Innovation's online banking or mobile app
  • Scroll and select Wealth Accounts near the bottom of your home screen 

Can I link wealth accounts owned by a business/organization?

Right now you can link your individual personal accounts. You should be able to link business and joint accounts in the near future!

Can I link both my single and joint-owned Wealth Accounts?

Right now you can link your individual personal accounts. You should be able to link joint accounts in the near future!

How do I add a Wealth Account to Innovation's online banking/mobile app?

  • Log into Innovation's online banking or mobile app
  • Select the Wealth Accounts link from the accounts listing on the home screen
  • Choose Link Wealth Account
  • Select the Innovation Wealth Partner you have accounts with
  • Enter your Client ID from your Innovation Wealth Partner statement. You can find your Client ID on the top of your Innovation Wealth Partner statement.
  • Enter your last name, postal code, and date of birth to confirm your identity
  • Accept the terms and conditions and you're set!

Where is my Client ID on my Innovation Wealth Partner statement?

An Aviso Wealth statement with the client ID number circled.



Payments

How do I make a bill payment?

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

How do I make a recurring bill payment?

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

How do I add a bill payee?

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

Can I pay business taxes in the app?

You sure can!

  • Login to digital banking
  • Select Move Money > 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

How do I add my business account number to pay business taxes?

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

Why is my payee account number masked in digital banking?

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

I sent a bill payment to the wrong vendor. Can I reverse it? How?

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


ATM

Which ATMs can I use to access the money in my Innovation account?

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. 

Can I withdraw money outside Canada?

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/Debit Mastercard® or Collabria Visa card.

  • Debit Card/Debit Mastercard® - CIRRUS, MAESTRO, Interac or AccuLink
  • Collabria Visa Card - PLUS

How do I order a new debit card/Debit Mastercard®?

Give us a call at 1.866.446.7001 or stop by any Innovation location.

How do I block ATM transactions?

To access our Lock'N'Block feature:

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


Loans

Where can I view my outstanding loan amount?

Log into digital banking. You’ll see your loan’s outstanding balance right on the home screen.

How do I make an extra payment on my loan?

  • Log into digital banking
  • Select Transfer
  • 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

How do I payout my loan?

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

How is interest calculated on my line of credit?

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

What information do I need to provide while applying for a loan or line of credit?

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.



Mortgages

Where can I view my outstanding mortgage amount?

Log into digital banking. You’ll see your mortgage’s outstanding balance right on the home screen.

What type of mortgages do you offer?

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!

What's the difference between a fixed rate mortgage and variable rate mortgage?

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.

How do I transfer my mortgage to Innovation?

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



Debit Cards

How do I report a lost or stolen debit card/Debit Mastercard®?

Report your lost or stolen card immediately by calling:

1.866.446.7001 during business hours and
1.888.277.1043 after business hours

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

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

How do I order a Debit Mastercard®?

You can call us at 1.866.446.7001 or stop by any location.

How do I lock my debit card/Debit Mastercard®?

To access our Lock'N'Block feature:

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

How do I block debit card/Debit Mastercard® POS and International transactions?

To access our Lock'N'Block feature:

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

Do I qualify for a Debit Mastercard?

All members qualify for Debit Mastercard. There isn’t an application or approval process.

If you're under the age of 12, you must have a parent or guardian sign your PIN agreement. 

If you're age 12 to 18, you don't need consent from a parent or guardian.

How does Debit Mastercard work?

Debit Mastercard is tied to your personal account, just like a regular debit card. That means, any purchase you make with it, the funds are taken directly from your account. 

You can use your card:

  • at ATMs,
  • online,
  • in-store, and
  • worldwide.

What's the difference between a regular debit card and Debit Mastercard?

The additional benefits of Debit Mastercard include:

  • online purchasing anywhere Debit Mastercard is accepted in Canada and anywhere Mastercard is accepted worldwide.
  • travelling convenience such as booking flights, hotels, and making in-person purchases around the world anywhere Mastercard is accepted.

NOTE: The "tap" function is unavailable for in-person purchases outside of Canada. You will need to enter your PIN at the terminal.

Can I use my Debit Mastercard at an ATM?

You bet! You have access to hundreds of free ATMs across Canada, plus any ATM worldwide that displays the Cirrus mark. Visit the ding free® site to download their free ATM locator app.

Who accepts Debit Mastercard?

Debit Mastercard is widely accepted across Canada. Here is a list of participating online Canadian retailers. This list is updated frequently!

If you try to use your card on a site that doesn’t accept Debit Mastercard, your transaction will be declined. That’s why Collabria offers Visa cards. Most Canadian retailers accept Visa or Mastercard. 

How do I activate my card?

Simply complete one transaction at any ATM or POS terminal.

Are there monthly charges or fees with a Debit Mastercard?

There are no monthly payments or charges associated with Debit MasterCard. 

However, there may be fees connected to some transactions such as ATM withdrawals from a non-credit union ATM or if your transaction uses foreign currency.

See our Account & Fee Information (pdf) for details.

Is Debit Mastercard a credit card?

Debit Mastercard is a debit card that you can use anywhere Mastercard is accepted (online and internationally). Any purchases you make with Debit Mastercard are paid with funds you have in your personal account. 

What if a US Merchant asks for my ZIP Code when I make a purchase?

You can use the 3 numbers from your postal code followed by 000. For example, if your postal code is A1B 2C3, you can enter 123000 as your ZIP code.



Budgeting Tool

How do I get started using the budgeting tool?

  1. Login to online banking or your mobile app
  2. Tap on the “More” option from the menu
  3. Tap on “Budget Tool”
  4. Tap on “Goals”

You can then create new goals, budgets, set dates, and track your progress.

What are those tag icons beside my transactions?

The tag icons are part of the new budgeting tool. You can ignore them completely if you aren't interested in budgeting.

If you do choose to use them, they're a fantastic way to help you keep track of your expenses and the categories they fall under.

Simply tap the tag icon to assign your expense to a specific budget category. For example, your mortgage payment could be assigned to Housing. 

Can I set more than one goal per account?

You can only set one goal per account, but you can easily open a new savings account in seconds to accommodate new goals. You can also update your goal at any time as your plans change.  

How can I create spending categories for the tags?

You'll notice there are already some common spending categories created for your convenience. You can add up to five additional categories however, that better meet your goals and needs.

Under the budget section, you can select Add New Budget to create a new spending category. It will automatically create an icon based on the first letter of your category name. You can then tag your transactions using that spending category.

What happens if I don’t reach a target?

Things happen and sometimes we don’t reach all our goals on time. With the budgeting feature, you can simply adjust your goal and set a new date so you can get right back on track!

Can I get notifications on my progress?

You sure can! You can receive text or email progress notifications to help keep your goals top of mind.

You can also receive alerts when you’ve reached a budget threshold.


Business Accounts

What functionality will I have with my AgriInvest account?

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.

How is business digital banking different from personal digital banking?

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

What is a delegate?

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.

How do I set up a delegate?

  • Log into digital banking
  • Select Business Services from the top menu in online banking or from More in the footer menu in the mobile banking app.
  • Choose Manage Delegate
  • Choose "Add New Delegate"

How do I know when there is a transaction needing my approval?

  • Log into digital banking
  • You'll see Pending Approvals on the right side of your home screen in online banking or on the bottom of the home screen in the mobile banking app. The list will include up to three transactions awaiting approval.

You can also:

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

Do I get notified when a transaction is pending approval?

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.

Can I consolidate my business and personal accounts under one login?

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



Membership

How do I become an Innovation member?

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

Is there any membership fee?

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.

How do I open an 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 GIC/Term Deposits, RRSPs and more.

  • Log into digital banking
  • Select the Open an Account option that’s found beside My Accounts
  • Select the Account type you're interested in and follow the prompts

What are the benefits of becoming an Innovation member?

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!

Can I use Innovation's product and services without becoming a member?

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

Where can I view my Member Rewards?

You can see your Member Rewards in digital banking:

  • Login to digital banking
  • Select Rewards from the top menu (online banking) or the footer menu (mobile banking app)
  • You'll find a listing of all your rewards balances.


Account Profile

Where can I view my profile?

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

How can I edit my 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

How can I change my profile picture?

  • 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

Can I update my mobile, email address, home address, and mailing address?

You can update everything 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

What's your privacy policy?

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

How secure is online banking?

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

Where can I find Innovation's branch locations?

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

Can I see all the Terms and Conditions?

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