# Innovation Federal CU — Mobile Banking > Mobile banking app for managing accounts, payments, and transfers. (iPhone/iPad app by Innovation Credit Union.) - Source: https://appshunter.io/ios/app/innovation-federal-cu/id1606875406 (this page in markdown: same URL + `.md`) - Developer: [Innovation Credit Union](https://appshunter.io/developer/915171034) - Category: Finance - Price: Free - Rating: 4.60/5 from 28 App Store ratings · 167 written reviews indexed - Age rating: 4+ - Requires: iOS 11.0 · 17 MB - Languages: American English - Released: 2022-02-14 - Data updated: 2026-08-14 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/innovation-federal-cu/id1606875406/reviews.md ## What is Innovation Federal CU? Instant, easy and secure access to paying your bills, transferring money, and more with Innovation Federal Credit Union's iPhone app. To take advantage of the full functionality of this app, you must already be registered for online banking. You can: • View your account activity and recent transactions • Manage multiple accounts • Pay bills now or set up payments for the future • Schedule payments: view and edit upcoming bills and transfers • Deposit cheques • Transfer money between your accounts, or to other Innovation members • Use INTERAC e-Transfer® to send money securely via email or text • Get messages about your digital banking and account activity straight to your phone There is no charge for the app, but mobile data downloading, and Internet charges may apply. Check with your mobile phone provider for details. Your security is our priority, which is why our mobile banking app uses the same level of secure protection as our full online banking site. ## Key features - 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 ## What do users think of Innovation Federal CU? Overall sentiment: positive **Pros** - 👍 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 **Cons** - 🐛 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 **Commonly reported bugs** - App won't load contacts - Email transfer goes blank after iOS update - Bottom navigation bar sticks, blocking payee selection - Double login required to accept e-transfers - Payees disappear after updates with 'invalid account number' error - Cheque deposit holds funds for a week - E-deposit functionality broken for some users - Six-digit security code not working for three months - App crashes on iOS 15.4.1 - E-transfer deposit opens app without deposit option - Random error messages and 'technical issues' notifications - App locks users out frequently - Slow login process with long thinking times **Most requested features** - Recurring e-transfer payments - Ability to remove failed login attempts - Face ID login option - Better transaction filtering and search - Show previous bill payment amounts - Visa/Mastercard debit card support - 24-hour customer service access - All accounts visible on main page without swiping - Loan payment flexibility beyond principal - Automatic balance preview without login - Improved transaction descriptions for bill payments - Skip security code for e-transfer acceptance when app is open ## Recent user reviews (10 of 167) All indexed reviews: https://appshunter.io/ios/app/innovation-federal-cu/id1606875406/reviews.md ### 5/5 — awesomeness! *2026-07-31, version 1.2.7* verywell app!!! ### 5/5 — Great! *2026-07-30, version 1.2.7* 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. ### 5/5 — Pretty good *2026-06-20, version 1.2.7* Easy to use ### 1/5 — Warning: Hard Credit Check *2026-06-09, version 1.2.7* 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! ### 1/5 — STOP LOGGING ME OUT *2026-05-31, version 1.2.7* ANNOYING ### 5/5 — Works well *2026-05-21, version 1.2.7* E-cheque deposit works great! Don’t have to go to a branch ! ### 5/5 — Great app *2026-05-21, version 1.2.7* Good to use ### 1/5 — Worst app *2026-05-20, version 1.2.7* Doesn’t work when you need it to always crashes the amount of updates to try help this app is terrible they can’t fix it . Doesn’t work over data cause it takes 10 minutes to log in for it to fail suggest getting a new bank and a new app entirely close your your account with innovation ! ### 1/5 — Bad user interface *2026-05-13, version 1.2.7* App isn’t user friendly and takes a lot of time to load and the instructions are not appropriate for the functions to be completed. Feels like a very preliminary version. ### 5/5 — Great reliable *2026-05-08, version 1.2.7* This is great bank I had my account negative for a while they didn’t bother me or close my account I had before wealth simple and alterna both close my account because I used e-transfer with friends and wife and family for no reason they closed my account my account because they only want people who put money and deposit money and leave it there this bank is amazing honestly their app is amazing never had issue never abused me as client even when my account was negative with money I had other online banks small banks and had issues with them after 1 week because they just want money I recommend this bank they have good customer service very knowledgeable on the phone I had issue with log in she solved my problem in 5 mins no head office no none sense I can tell this bank respects their customers and allow their customers to freely use the bank if your rich or not I been using it for day to day banking and never had an issue one thing I wish is they had visa debt and when you deposit cash is available right away but I understand they don’t have their own atm in Ontario or Toronto I’m in Toronto not sure if they have it other places or in Ontario but visa debt I wish they had it’s important ## Frequently asked questions about Innovation Federal CU ### 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. ## Version history (last 5 releases) ### 1.2.7 — 2025-12-03 General bug fixes and minor enhancements ### 1.2.6 — 2025-03-26 General bug fixes and minor enhancements ### 1.2.5 — 2025-03-20 General bug fixes and minor enhancements ### 1.2.4 — 2024-12-23 General bug fixes and minor enhancements ### 1.2.3 — 2024-12-19 General bug fixes and minor enhancements ## Apps similar to Innovation Federal CU | App | Rating | Price | Category | | --- | --- | --- | --- | | [Alterna Bank Mobile Banking](https://appshunter.io/ios/app/alterna-bank-mobile-banking/id6443500605) | — | Free | Finance | | [WealthONE Bank](https://appshunter.io/ios/app/wealthone-bank/id1264295087) | 5.0 (1) | Free | Finance | | [Alterna Savings Mobile Banking](https://appshunter.io/ios/app/alterna-savings-mobile-banking/id1617991154) | 4.7 (6) | Free | Finance | | [EQ Bank Mobile Banking](https://appshunter.io/ios/app/eq-bank-mobile-banking/id1039432211) | 4.8 (57,110) | Free | Finance | | [Coast Capital Savings](https://appshunter.io/ios/app/coast-capital-savings/id1466597953) | 4.7 (47) | Free | Finance | ## Related topics [innovation credit union](https://appshunter.io/ios/topics/innovation-credit-union) · [ente ksrtc](https://appshunter.io/ios/topics/ente-ksrtc) · [laboratorio echevarne](https://appshunter.io/ios/topics/laboratorio-echevarne) --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-14.*