Cash Back Rebate from GCR:

Go to Innovation Federal Credit Union

Note : Click to application page from GCR before filling application

Innovation Federal Credit Union
Innovation Federal Credit Union No-Fee Chequing Account

Save ~$11 per month in banking fees!

Plus, open a No-Fee Bank Account between October 1 and December 31, and you could win
a $2,500 pick-your-tech prize!*

Discover the benefits of Innovation’s No-Fee Chequing Account

  • No monthly account fees and no hidden charges
  • Free and unlimited Interac e-Transfers®
  • No minimum balance requirements
  • Free, unlimited daily transactions, POS transactions (debit card purchases), deposits, and ATM withdrawals*
  • Free ATMs* across Canada

More reasons to bank with Innovation Federal Credit Union
  • Access your money anytime, anywhere with their app and online banking.
  • Your deposits are protected via CDIC.
  • Earn cash dividends simply by doing your everyday banking with them. The more you bank with them, the more you benefit.
  • Your business helps them support your community. They allocate 2% to 4% of pre-tax profits/year to their communities.

Open your account online now in minutes!

* ATM transactions for the No-Fee Bank Account are free at "ding free" ATM locations.

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

No-Fee Bank Account $2,500 Pick-Your-Tech Prize Draw

Between October 1, 2023, and December 31, 2023 (the “Offer Period”) Qualifying Account Holders* will be entered into a monthly draw to win a $2,500 Pick-Your-Tech 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 Pick-Your-Tech prize, in the month of their account opening, after meeting the following conditions: (a) Successfully open an Innovation No-Fee Bank Account (the “Account”) through the Online Account Opening Application on Innovation’s website; and, (b) Deposit a minimum of $5.00 into you’re 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 will be entered into the corresponding monthly draw to win a $2,500 Pick-Your-Tech prize. For example: If a Qualifying Account Holder opens their account in October of 2023, they will be entered into the October 2023 draw to win a Pick-Your-Tech prize. The draw will occur the week following month end and winner(s) will be randomly selected. Winner(s) will be notified by phone or email. Winner(s) will be provided with a total budget of $2,500 inclusive of shipping, taxes, and additional fees to purchase their choice of technology. Gift card(s) for purchase of technology item(s) will be shipped to a physical address or e-mail address as provided by the winning member(s).

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 monthly draw. If the No-Fee Bank Account is opened as a joint account, the primary account holder will be entered into the monthly draw. If the draw is won by a jointly opened account, the prize will be jointly awarded to the account holders.

The Qualifying Account Holder will be charged a fee of $30 if they close their No-Fee Bank 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 for joint Account Holders. The recipient(s) of the Offer is solely responsible for any tax consequences associated with their receipt thereof.

Innovation 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. 


• Do not browse or leave application page before it is completed.
• Please click from GCR again if session expires.
• Must apply online.
• Cash Back Rebate is from GCR and will be posted to your GCR account upon account approval.
• Cash Back not offered on repeat account holders.

• NOTE: You must reply to GCR within 4 months to report a missing rebate otherwise the rebate is void.

Rebate Currency Exchange :  NONE

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