We get it. Hidden fees. Profits before customers. No wonder you're not happy with your bank. Feel less bankgry with Innovation!

Why Innovation?

Feel like the bigger the bank the smaller the customer? Discover the credit union difference. Earn money. Save money. And give back to your community simply by banking with us!

Pay $0 fees

No-Fee Bank Account

Save as much as $360/year in bank fees with our No-Fee Bank Account!

  • Pay no monthly fees
  • Enjoy free and unlimited Interac e-Transfers®
  • Discover no minimum balance requirements
  • Make unlimited transactions
  • Access free ATMs across Canada

Join the 41,000+ Canadians who pay no fees!

Earn cash just for banking with us

The more banking you do with us, the more you’ll earn!

Through our Member Rewards program, we’ve paid members approximately $40.1 million since 2007. What bank would do that?

Your Opinion Matters to Us

In a recent survey, we asked what community causes meant the most to you, then donated $5,000 to that category. Your feedback and community matters to us.

Feel proud about where you bank

‘Giving back to the community’ is a common mantra among financial institutions. See how we put our money where our mouth is when it comes to living this mantra.


Still banking with a bank?

Bankgry. It's a thing. And we can help.


We are real, but we are a credit union – which is just like a bank only you have more say in how we’re run.

Thousands of Canadians have an Innovation No-Fee Bank Account with us. We have been around for over 60 years. Many happy members think of us as a best kept banking secret.

Credit unions are not-for-profits created to serve members. We’re just like a bank except our customers (members) own us. Members join by paying a one-time membership fee of $5.

Our main goal is to provide better products and services to our members, not seek a profit like banks do. Any money we earn is invested back into the organization, issued as cash dividends to our members, or donated back into the community.

There’s no pressure to move everything. Try us out and if you like how much you save you can gradually switch more items over.

Give us a call at 1.866.446.7001 and we can help you switch payments and direct deposits quickly and safely from your current bank.