Save. Earn. Give. That's Responsible Banking.
Welcome to Personal Business Wealth, your trusted partner for financial success. We are a member-owned financial institution that has been serving the Canadian community for many years. Our mission is to help our members achieve their financial goals through a wide range of products and services tailored to meet their unique needs.
At Personal Business Wealth, we believe in responsible banking. That's why we offer $0 bank fees, so you can save each month. We are proud to have paid $43.25 million in cash rewards to our members, and over $9 million invested in your communities. Our members are at the heart of everything we do, and we are committed to providing them with the best possible service.
Our Services
We offer a variety of services to help our members manage their finances, including:
- No-Fee Chequing Account: Pay $0 in monthly fees, transactions, and withdrawals, including Interac e-Transfer. With our No-Fee Chequing Account, you can enjoy free and unlimited Interac e-Transfer transactions, surcharge-free ATM transactions at any ding-free ATM location, and no minimum balance requirements.
- Savings Account: Pay $0 in monthly fees and earn cash dividends plus interest. Our Savings Account offers a variety of features to help you manage your money, including debit cards, mobile banking, and more.
- Mortgage: Fund your home with flexible mortgage options. Plus, you'll earn Member Rewards! We offer a range of mortgage options to suit your needs, including first mortgages, mortgage transfers, and next mortgages.
- Personal Loan: Enjoy simple borrowing for that one-time purchase or emergency need. Our Personal Loan offers low-interest rates and flexible repayment terms.
- **Visa* Credit Cards:** Find the best card for you today, with no fees, rewards, cash-back options, and more. We offer a variety of Visa* Credit Cards to suit your needs, including Premium Rewards and No Fee Cash Back options.
- Line of Credit: Enjoy convenient, easy-to-access cash with low minimum payments. Our Line of Credit offers a flexible borrowing option for when you need it.
- Estate and Planning Services: Our team of experts can help you plan for the future and protect your assets. We offer a range of Estate and Planning Services, including will preparation, trusts, and more.
Expert Financial Advice & Tools
At Personal Business Wealth, we are committed to providing our members with expert financial advice and tools. Our team of financial advisors can help you navigate the complex world of finance and make informed decisions about your money. We offer a range of tools and resources, including calculators, rates, and expert financial advice, to help you achieve your financial goals.
Community Support
We are proud to be a member of the Canadian community and are committed to giving back. We allocate 2% to 4% of pre-tax profits every year to our communities in the form of scholarships, sponsorships, and grants. We are recognized as a Caring Company by Imagine Canada for our commitment to community support.
Credit Union Services and Experiences
Negative Feedback
The reviewer Brew has been with Innovation Credit Union since May 2021 and, despite being treated well, has a few issues. The first issue is the lack of VISA or M/C debit cards, as all major banks and ATB have them. The second issue is that they opened an account at a branch, which made them not eligible to receive the $200 promotion. The reviewer believes that the promotion should be available for anyone who opens a new account, regardless of whether it is online or not, and that those who prefer not to use personal information on the internet should not be punished.
Positive Feedback
On the other hand, Fabio Ruiz, Ryan Martens, Steph Green, and Kevin White have had positive experiences with Innovation Credit Union. Fabio Ruiz appreciates the friendly staff and non-pushy service, while Ryan Martens loves the friendly staff and cleanliness of the bank. Steph Green praises the great customer service, no-fee bank account, and the mobile app features, such as budgeting, tracking spending trends, and setting up automated payments. Kevin White appreciates the friendly and helpful tellers.
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