Save more money with less fees and competitive rates. Earn profit sharing dollars, and give back to your community by banking with us.

Open an account to access no-fee banking, mortgages & loans, credit & debit cards and more.

  • finger-snap
  • Open your account online in minutes!
    In-person/over-the-phone: 30 minutes

It's payday!

We just paid approximately $1.15 million into Member Rewards accounts! This includes a youth dividend of $10!
Want to earn more?

Exciting offers: thank you for being a member!

Get Up to $3,000 Cash Back*

This special mortgage offer is available on your:

  • first mortgage,
  • a mortgage transfer to us, or
  • next mortgage with us!

*Terms & Conditions Apply

Apply to Win a $2,500 Winter Getaway*

Open a No-Fee Bank Account. You could win a $2500 winter getaway!*

  • Pay $0 bank fees.
  • Enjoy unlimited transactions!

Terms & Conditions Apply

Refer a Friend for $50*

If they open a No-Fee Bank Account,

  • you'll get $50,
  • they'll get $50, and
  • you'll both be entered to win a $2,500 winter getaway!*

Terms & Conditions Apply

You Help Us Give Back to Your Community

Banking with us supports your community in the form of scholarships, sponsorships, and grants. We allocate 2% to 4% of pre-tax profits every year to our communities.


From volunteers to financial support, apply online in minutes.


Fund your larger community project. Make a difference!


Win thousands to help with tuition costs. Applying is easy!

Online Banking That Helps You Reach Your Goals

Online personal banking should be simple, secure, and focused on your needs. You should be able to check on your account whenever you want or need to. And it should always be a positive experience.

Of course, safety should be a top priority with your mobile app or online banking choice. You need to feel confident that your money is well protected.

And what about banking products and services? You should be able to easily find a diverse mix that supports many different financial goals. It should be simple to apply or register for a service in minutes.

How about free or low-cost banking options? Like no-fee accounts and superior customer service for both online and in-person banking. How about advice that helps you save money and resolves financial issues you may come across?

Welcome to Innovation Federal Credit Union’s online banking.

Free Personal Banking: Accounts Everyone Needs

Can you open a bank account online with Innovation Federal Credit Union? Yes! Discover the foundational account our members love — the tool they rely on to handle all kinds of financial transactions.

Explore the benefits of our No-Fee Chequing Account:

  •  Zero monthly fees
  • Unlimited Interac e-Transfer® at no cost
  • Transactions at all ding free ATM locations with no fees or surcharges
  • No requirement to maintain a minimum balance

Plus, you can access all the standard benefits of a bank account, too. From debit cards and online bill payments to our easy-to-use mobile banking app, you’ll have everything you’d want in a chequing account.

Ready to Open a Savings Account?

You deserve better than a piggy bank. Open a free Savings Account to earn interest and rewards. Enjoy:

  • no monthly fees,
  • no minimum balance requirements,
  • six free debit transactions per month, and
  • fast access 24/7 through your mobile device.

It’s easy to stay on top of your savings!

Choose from a variety of additional savings plans, including:

We make it easy for you to open a new bank account online, to use it wherever you need to with mobile banking, and to access our many other banking products and services, too.

Online Banking: Much More Than Only Bank Accounts

Online banking starts with an account, but it doesn’t stop there. As a member, you can also apply for and access a wide variety of useful financial tools.

Loans and lines of credit can help you do everything from paying for an unpredictable and unavoidable expense to funding your education.

It’s easy to start the application process for the loan you want through online banking. There’s no need to visit a branch or wait on hold to begin this process. Simply visit the dedicated page for the loan you want to secure and select the apply button.

You can also explore a range of mortgage loans, with support for everyone from first-time home buyers to those building a home from scratch.

When you choose Innovation, you pick an online banking partner dedicated to supporting all members. We also support the communities you live in through donations of 2-4% of our pre-tax yearly profits to local organizations.

Make a change to support your financial future!

Digital Banking

Our mobile app users have given us 4.5 stars! View our how-to videos and bank anytime, anywhere.

Deposit Insurance

Your eligible deposits are insured by Canada Deposit Insurance Corporation (CDIC).

Caring Company

We're a Caring Company, by Imagine Canada, setting the standard in corporate giving.