Get Two Ride-All-Day Packs!

No-Fee Chequing Account available for personal use only. SIN is not required as a condition of opening an account. If you prefer not to provide your SIN for our online application, please visit one of our branch locations to apply or call 1.866.446.7001 for more information.

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

Innovation Federal Credit Union banking services are not available in Quebec.

Learn more about our accounts and services. Review our Account and Fee Information (pdf).

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No-Fee Chequing Account Edmonton Exhibition All-Day-Ride Packs Offer

1. Eligibility

*Qualifying Account Holders must be a new customer/member to Innovation Federal Credit Union (“Innovation”), be 18 years of age or older, be a Canadian resident (excluding Quebec), meet Innovation’s membership and account opening approval criteria, and cannot have been an Innovation member since January 2026.

2. Offer Conditions

Qualifying Account Holders will be eligible to receive two All-Day-Ride Packs for Edmonton's exhibition after meeting the following conditions:

a) Successfully open an Innovation No-Fee Chequing Account (the “Account”) from June 29 to July 25, 2026, through the Online Account Opening Application on Innovation’s website landing page using the promo code 'EdmontonExhibition'

b) Deposit a minimum of $5.00 into their Account to pay for the cost of a membership share

3. Additional Information

• After the Offer Conditions have been met, the Qualifying Account Holder would receive two All-Day-Ride Packs for Edmonton's 2026 exhibition.
• Winner(s) will be notified by phone or email. Winner(s) will have one week (7 days) to claim the prize. If the winner(s) does not claim the prize within this timeframe, the prize will be forfeited. In the event that the exhibition tickets are unavailable for any reason, Innovation reserves the right, at its sole discretion, to provide a cash equivalent equal to the face value of the unavailable tickets by depositing such amount into the member’s Innovation account. A direct deposit will be deposited to the member(s) No-Fee Chequing Account.
• If the No-Fee Chequing Account is opened as a joint account, the tickets will be awarded only to the primary account holder identified on the approved account.
• Limit of two tickets per Qualifying Account Holder, including Joint Account Holders. The recipient(s) of the Offer is solely responsible for any tax consequences associated with their receipt thereof.
• Tickets awarded under this Promotion are non-transferable, non-exchangeable, and may not be sold, assigned, substituted, or redeemed for cash except as expressly stated above.
• Innovation shall not be responsible for any delays in ticket issuance resulting from incomplete applications, missing documentation, delayed responses from applicants, or any other circumstances beyond Innovation’s reasonable control.
• Innovation is not responsible for undelivered, misdirected, filtered, or otherwise unsuccessful email communications.
• Innovation is not responsible for lost, stolen, damaged, misplaced, or destroyed tickets once they have been issued or delivered.
• Innovation is solely sponsoring admission tickets for the Edmonton exhibition and is not affiliated with, endorsed by, or responsible for the administration, organization, operation, cancellation, postponement, or modification of the event.
• Innovation shall have no liability arising from the actions, omissions, representations, or conduct of Edmonton exhibition organizers, sponsors, vendors, exhibitors, performers, or other third parties associated with the event.
• Innovation shall not be liable if the Edmonton exhibition is postponed, rescheduled, modified, restricted, interrupted, or cancelled in whole or in part due to circumstances beyond its control, including but not limited to weather conditions, public health concerns, acts of government, labour disruptions, force majeure events, or any other unforeseen circumstances.
• By participating in the Promotion, participants agree to release and hold harmless Innovation, its directors, officers, employees, representatives, and agents from any claims, losses, damages, liabilities, costs, or expenses arising from or relating to participation in the Promotion, acceptance or use of the tickets, or attendance at the Edmonton exhibition.
• Innovation Federal Credit Union and Innovation Wealth employees and immediate family members of employees are not eligible for the Offer.
• By accepting the prize, the winner(s) consent to Innovation publishing their name and prize description on Innovation’s digital channels, including but not limited to social media, digital screens, and website, as well as print publications.
• Innovation reserves the right to cancel or change these Terms and Conditions at any time without notice, for any reason, and to revoke the Offer for any customer/member who appears to be manipulating or abusing the Offer or appears to be engaged in any suspicious/fraudulent activity. 

No-Fee Chequing Account $2,500 Giveaway Draw 

Between April 1, 2026, and September 30, 2026 (the “Offer Period”) Qualifying Account Holders* will be entered into a draw to win a $2,500 Cash Giveaway prize, provided the following terms and conditions are met:

Terms & Conditions

1. Eligibility

*Qualifying Account Holders must be a new customer/member to Innovation Federal Credit Union (“Innovation”), be 18 years of age or older, be a Canadian resident (excluding Quebec), meet Innovation’s membership and account opening approval criteria, and cannot have been an Innovation member since January 2016.

2. Offer Conditions

Qualifying Account Holders will be entered into a draw to win a $2,500 Cash Giveaway prize after meeting the following conditions:

a) Successfully open an Innovation No-Fee Chequing Account (the “Account”) between April 1, 2026, and September 30, 2026, through the Online Account Opening Application on Innovation’s website;

b) Deposit a minimum of $5.00 into their Account to pay for the cost of a membership share.

c) Enroll in digital banking through Innovation’s mobile app or online banking platforms.

3. Additional Information

After the Offer Conditions have been met, the Qualifying Account Holder will be entered into the draw to win a $2,500 Cash Giveaway prize. The draw will occur on the week of October 5, 2026, and the winner(s) will be randomly selected. Winner(s) will be notified by phone or email. Winner(s) will have two weeks (14 days) to claim the prize. If the winner(s) does not claim the prize within this timeframe, the prize will be forfeited, and a new winner(s) will be drawn. Winner(s) will be provided with a cash prize of $2,500. A direct deposit will be deposited to the winning member(s) No-Fee Chequing Account or other operating account.

The Qualifying Account Holder’s account(s) must also be active and in good standing (not in an unauthorized overdraft or in a delinquent status) at that time of the prize draw. If the No-Fee Chequing Account is opened as a joint account, the primary account holder will be entered into the prize draw. If the draw is won by a jointly opened account, the prize will be jointly awarded to the account holders.

By accepting the prize, the winner(s) consent to Innovation publishing their name and prize description on Innovation’s digital channels, including but not limited to social media, digital screens, and website, as well as print publications.

The Qualifying Account Holder will be charged a fee of $30 if they close their No-Fee Chequing Account within 180 days of opening the Account, as per Innovation’s Account and Fee Information brochure.

Limit of one draw entry per Qualifying Account Holder, including Joint Account Holders. The recipient(s) of the Offer is solely responsible for any tax consequences associated with their receipt thereof.

Innovation Federal Credit Union and Innovation Wealth employees and immediate family members of employees are not eligible for the Offer.

Innovation reserves the right to cancel or change these Terms and Conditions at any time without notice, for any reason, and to revoke the Offer for any customer/member who appears to be manipulating or abusing the Offer or appears to be engaged in any suspicious/fraudulent activity. 

Updated June 3, 2026