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Innovation Federal CU

Innovation Federal CU

Mobile Banking

28 ratings
167 reviews
💰 Finance
Free

Details

  • Released
  • Updated
  • February 14, 2022
  • December 3, 2025

Features

Developer

Innovation Credit Union
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Innovation Federal CU screenshot #1 for iPhone
Innovation Federal CU screenshot #2 for iPhone
Innovation Federal CU screenshot #3 for iPhone
Innovation Federal CU screenshot #4 for iPhone
Innovation Federal CU screenshot #5 for iPhone
Innovation Federal CU screenshot #6 for iPhone
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Reviews summary↘︎
⭐167
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📝3+ tags
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🔄5+ apps
Alternatives↘︎
❓5 answered
FAQ↘︎
📦w/o updates
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About

Manage your finances on the go with secure and convenient access to your accounts. Pay bills, transfer funds, deposit checks, and receive important messages directly to your phone.

✓View account activity and transactions
✓Manage multiple accounts
✓Pay bills and schedule payments
✓Deposit checks
✓Transfer money between accounts
✓Send money via INTERAC e-Transfer®
✓Receive digital banking messages
Show original description

What users say

Summarized from real user reviews of Innovation Federal CU. Based on 28 reviews and a 4.6/5 average, it highlights the 10 positives and 10 negatives reviewers mention most about this Finance app.

Positive things

  • 👍Easy to navigate and user-friendly interface
  • 💰No-fee banking accounts
  • ⚡Quick e-transfer functionality
  • 📱Convenient mobile banking features
  • 🔒Strong security with biometric login
  • 💳Simple cheque deposit feature
  • 🏦Excellent customer service and support
  • 💡Balance preview without login
  • 🎯Clean and simple layout
  • ⏱️Fast transaction processing

Negative things

  • 🐛App crashes and freezes frequently
  • ⏳Slow app startup and loading times
  • 🔐Excessive security prompts and re-login requirements
  • 📵Login failures and access issues
  • ⚠️Overdraft fee problems and charges
  • 🔄E-transfer deposit glitches
  • 📊Difficult account switching between personal/business
  • 💔Performance degradation after Federal transition
  • 🔌Technical issues and maintenance downtime
  • 📱iPad incompatibility for cheque deposits
See all reviews

What's New in Innovation Federal CU

1.2.7

December 3, 2025

General bug fixes and minor enhancements

User reviews

Most RecentHighest RatedLowest Rated

awesomeness!

verywell app!!!
bojoupdatebojoupdate

Great!

I am so happy to have a financial institution that really wants to help their clients. After years of dealing with RBC and paying out thousands and thousands of dollars in bank fees., I am so happy to be with Innovation Credit Union. What goes into my account is mine. And it’s wonderful to see what goes into my savings account, grows.
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LalyenLalyen

Pretty good

Easy to use
Tristan_DaCunha-403Tristan_DaCunha-403

Warning: Hard Credit Check

They do hard credit checks without authorization and will hit your credit score! Even if you don’t apply for any loans or overdraft protection!
Mini19285Mini19285

STOP LOGGING ME OUT

ANNOYING
AngelfacedfishAngelfacedfish
See 162 more reviews

User experience

🐞

Reported Bugs

13 issues

App won't load contacts

Bug

Email transfer goes blank after iOS update

Bug

Bottom navigation bar sticks, blocking payee selection

Bug

Double login required to accept e-transfers

Bug

Payees disappear after updates with 'invalid account number' error

Bug

Cheque deposit holds funds for a week

Bug

E-deposit functionality broken for some users

Bug

Six-digit security code not working for three months

Bug

App crashes on iOS 15.4.1

Bug

E-transfer deposit opens app without deposit option

Bug

Random error messages and 'technical issues' notifications

Bug

App locks users out frequently

Bug

Slow login process with long thinking times

Bug
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Requested Features

12 requests

Recurring e-transfer payments

Feature

Ability to remove failed login attempts

Feature

Face ID login option

Feature

Better transaction filtering and search

Feature

Show previous bill payment amounts

Feature

Visa/Mastercard debit card support

Feature

24-hour customer service access

Feature

All accounts visible on main page without swiping

Feature

Loan payment flexibility beyond principal

Feature

Automatic balance preview without login

Feature

Improved transaction descriptions for bill payments

Feature

Skip security code for e-transfer acceptance when app is open

Feature

FAQ

What can I do with the Innovation Federal CU mobile app?

The app allows you to view your account activity and recent transactions, manage multiple accounts, pay bills now or schedule them for the future, deposit checks, and transfer money between your accounts or to other Innovation members. You can also use INTERAC e-Transfer® to send money securely via email or text and receive messages about your digital banking and account activity.

Is there a cost to use the Innovation Federal CU mobile app?

There is no charge for the app itself. However, standard mobile data downloading and internet charges from your mobile phone provider may apply. It is recommended to check with your provider for specific details on these potential costs.

How secure is the Innovation Federal CU mobile banking app?

Your security is a top priority. The mobile banking app utilizes the same high level of secure protection as the full online banking website. This ensures your financial information and transactions are kept safe while using the app.

Do I need to be registered for online banking to use this app?

Yes, to take full advantage of the app's functionality, you must already be registered for online banking with Innovation Federal Credit Union. This ensures a seamless and secure experience for managing your accounts.

What devices is the Innovation Federal CU app compatible with?

The description specifically mentions the 'iPhone app,' indicating compatibility with Apple's iOS operating system. Users should ensure their iPhone meets any minimum iOS version requirements for optimal performance.