Join the 59,000+ members who bank with us!
If you've never used our online & mobile banking, contact us to obtain a temporary username and password.
Online Banking
Mobile App Banking
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:
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:
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.
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.
Not in online banking, but you sure can on our mobile app. NOTE: You are only able to remember one username.
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.
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.
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:
Not a digital banking user? Call us at 1.866.446.7001 or complete our online form.
Any low balance alerts you have in place will remain unchanged. You might see additional alerts, however. Feel free to change your preferences at any time:
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.
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.
If you use digital banking:
If you’re not a digital banking user:
You bet! You can lock your debit card and block unauthorized or unwanted use with Lock’N’Block®:
To access Lock'N'Block® through online banking or our mobile app:
If you're not a digital banking member, simply call at us at 1.866.446.7001 and we can help you.
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:
You sure can!
Once you submit your request, we'll be in touch with you to complete the process.
You can access any Innovation Wealth accounts you have through Innovation Credit Union's digital banking. These include accounts you have with:
You bet! You can access any Innovation Wealth accounts you have through Innovation Credit Union's digital banking. These include accounts you have with:
You bet! You can access any Innovation Wealth accounts you have through Innovation Credit Union's digital banking. These include accounts you have with:
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.
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.
To have your cheques automatically deposited for you, another option is Direct Deposit. To have your pay cheque automatically deposited:
You can also call us to help with Direct Deposit for other deposits such as:
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.
You sure can!
Sorry, you're not able to send a wire transfer through digital banking. Give us a call at 1.866.446.7001 for assistance.
If it's another Innovation member, you can use our member-to-member transfer option.
If they are not an Innovation member, you can send them an Interac e-Transfer®. See our Interac e-Transfer® section for details.
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.
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:
You'll receive a notification from Interac when your funds are deposited.
You can stay safe from Interac e-transfer fraud by following these best practices.
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:
To link a wealth account, you will need your client number (located on your Credential or Qtrade investment account statement). Once the account is linked, you will be able to see your Credential and Qtrade account balances, holdings, and transactions for the last 12 months.
Note: The information will reflect the previous business day’s data.
Right now you can link your individual personal accounts. You should be able to link business and joint accounts in the near future!
Right now you can link your individual personal accounts. You should be able to link joint accounts in the near future!
You sure can.
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.
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.
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:
To access our Lock'N'Block feature:
To access our Lock'N'Block feature:
To redeem your Visa rewards points, visit Collabria's reward headquarters. Reward yourself with:
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:
Note: Your transfer will be a principal only payment
To payout your entire loan, please call us at 1.866.446.7001.
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:
We may need additional information depending on your borrowing needs and credit score.
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!
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:
To access our Lock'N'Block feature:
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:
The key features that make business digital banking different is that with business digital banking you can:
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:
Delegates Read-only access: Allows the user to view account information but does not allow them to perform any transactions on the account.
You can also:
Yes, you do. To add delegates simply:
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:
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.
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.
$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.
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:
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:
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.