October 27, 2026

Can I Open a Bank Account Without Going to the Bank?

Opening a bank account might seem a bit daunting: making an appointment during bank hours, standing in a queue, answering endless questions… Surely there must be a better way of opening an account today? There is. How would you like to open an account from your couch at home?

There are three ways to open an account with us:

Apply online via our website 

You can apply for a No-Fee Chequing Account or Savings Account online in under 10 minutes. No line-ups and on your schedule. You’ll be enjoying free banking1 in no time!

Call us 

If you’d like some personalized assistance, our team of experts are primed and ready to help you out at a moment’s notice. You can call our toll free number: 1-866-446-7001 between 8am and 8pm, Monday - Friday and between 9am and 6pm on Saturdays and Sundays.

To top it off, you can also contact our team of specialists directly! View the list of specialists in your region.

 Book an appointment

You might still prefer to meet in person and that’s fine with us! Book an appointment with one of our consumer advisors and we can open an account for you over a cup of coffee. Not close to a branch/advice centre? No problem! You can book a video appointment with us.

Tired of paying bank fees?

If you’re new to Saskatchewan or just new to Innovation, did you know you can bank FREE with our No-Fee Chequing Account?1 There are no monthly fees.1 Zip. Nada. Zilch. Even Interac e-Transfer®4 services are free and unlimited. In fact, all your debit transactions are completely free of charge. POS transactions, transfers, bill payments…buy, send, receive as many as you like each month.1 You’ll also enjoy free ATMs across Canada with our ding free ATM network.3 When we say free banking, we mean it.

Think bank fees don’t add up? Some banks charge as much as $13 to $15/month in fees. That’s $156/year that should be in your pocket, not theirs. Having the right bank account can really make a difference!

Your money, your rules

Your No-Fee Chequing Account also has no minimum balance requirement. That means no matter what your account balance is, you still get to enjoy free banking.1 It’s your money. You should decide how and when you can spend it, and not be penalized for it.

Why else should you bank with us?

Save. As we already mentioned, you could save as much as $156/year in bank fees with our No-Fee Chequing Account.1

Earn. Get cash rewards for everyday banking with us.2 Our members have earned millions in equity and cash dividends simply by doing business with us.

Give. Our members have helped us give back millions to the communities we serve.

With 175+ advisors at your service, you’ll get the attention you deserve. Give us a call today OR apply online in minutes! You deserve to bank free1 with a credit union who cares.

Terms & Conditions

1Account & Fee Information/About Our Interest Calculations
Learn more about our accounts and services. Review our Account and Fee Information (pdf).
Identify the interest rates applicable to your account(s) and how they're calculated. Review our About Our Interest Calculations (pdf) document.

2Member Share & Member Rewards
All Member Reward distributions are not guaranteed and are at the full discretion of Innovation Federal Credit Union's (Innovation) Board of Directors and the Office of the Superintendent of Financial Institutions (OSFI). 
Redemptions of Membership Shares for any reason are not guaranteed and are at the full discretion of Innovation's Board of Directors and the Office of the Superintendent of Financial Institutions (OSFI). 
Membership Shares are capped at $5,000 (personal members) and $10,000 (business members). All balances held in the Member Rewards account exceeding these amounts are fully accessible to members and are not treated as capital to Innovation.
Dividend rates, allocation rates or any other factors impacting distribution of Member Rewards are subject to change without notice.

3ding free® ATMs
ATM transactions for the No-Fee Chequing Account are free at ding free ATM locations.

4Interac e-Transfer® Trademark
Interac e-Transfer® is a registered trademark of Interac Corp. Used under licence.