Benefits1 Bundle
Receive free access to legal* and estate assistance, identity theft support and home service referrals. Exclusive to Premium Unlimited plan holders.
With the Benefits1 Bundle, you gain direct access to experienced lawyers and certified specialists, ready to assist you by phone when you need expert advice and support.
Have you ever:
- Needed legal advice for employment, family, property, or consumer matters?
- Experienced identity theft or fraud — or worried about protecting yourself?
- Wanted help with estate planning or been named an executor for a loved one’s estate?
- Needed reliable professionals for home repairs or renovations, but didn’t know where to start?
What’s included in the Benefits1 Bundle
Legal assistance
Access experienced lawyers who provide guidance on common legal concerns, including family law, employment issues, property matters, and consumer rights. Get trusted legal advice quickly and confidently.
Estate assistance
Receive support with estate planning, executorship responsibilities, wills, and related legal questions. Make informed decisions that protect your family and simplify the estate process.
Identity theft assistance
If you suspect identity theft or fraud, a legal professional will guide you through next steps, including who to notify, how to protect your information, and how to begin recovery.
Home referral assistance
Connect with verified professionals for plumbing, electrical work, painting, roofing, doors, windows, and other home improvement services. Members may also receive assistance identifying renovation grants and cost-saving programs.
Premium Unlimited plan holders can call 1-888-873-1004 to access these services
Available Monday to Friday from 8 a.m. to 8 p.m. excluding statutory holidays.
Frequently asked questions
What is the Benefits1 Bundle?
This exclusive package is available to members who have a Premium Unlimited plan. It includes unlimited, free access to legal and estate services, home referrals and identity theft support. Members can connect with these services whenever they need assistance during the operating hours noted below.
Who is eligible for the specialized services?
All FirstOntario Premium Unlimited plan holders are eligible, including joint account holders.
What information will be used to verify that I’m eligible to receive assistance?
Your full name, postal code and/or phone number will be used to verify that you are a FirstOntario Premium Unlimited plan holder and confirm eligibility.
Are there any additional charges?
The Benefits1 Bundle is included with your Premium Unlimited plan. It is designed to offer you complimentary access to legal, identity theft, estate, and home repair information, as well as referrals and assistance. Additional charges may apply if you choose to retain a third-party professional to complete any required work or task. The Benefits1 Bundle will provide you with referrals to qualified professionals at preferred rates (where possible).
Is there a limit to the number or duration of calls?
No, Premium Unlimited plan members can call as often as necessary. The length of the calls is also unlimited.
Are there special mortgage benefits for using a credit union?
Yes. Unlike major banks, FirstOntario Credit Union is provincially regulated. This often allows us to offer more flexible lending criteria or niche products that big banks cannot. Additionally, FirstOntario is member-owned, meaning our profits are returned to you through competitive rates, lower fees, and local community investments.
How do I access the Benefits1 Bundle?
If you are already a Premium Unlimited plan holder, you may call 1-888-873-1004, Monday to Friday from 8 a.m. to 8 p.m. (excluding statutory holidays).
If you are not currently a Premium Unlimited plan holder, you may call our Member Service Centre at 1-800-616-8878 or visit your local branch to upgrade your account in order to gain access to the Benefits1 Bundle.
What are the hours of operations?
You may access the Benefits1 Bundle service Monday to Friday from 8 a.m. to 8 p.m., excluding statutory holidays.
Are calls confidential?
Yes, any questions or concerns addressed during calls are kept strictly confidential.
Can I ask any legal question?
The lawyers will answer all legal questions concerning personal life for eligible members (e.g., family law, property law, hidden defects, rental, labour law, bodily injuries, consumer law, estate/succession, ID theft, etc.). If a lawyer is unable to answer the question immediately, they will conduct the necessary research and contact you as soon as possible.
Anything related to FirstOntario Credit Union, commercial activities and criminal matters are excluded and cannot be discussed.
How quickly after calling can I expect to be paired with a lawyer?
If a lawyer is available at the time of the call, the member will be paired immediately. If no lawyer is available, the call will be returned within four business hours.
Will I be paired with the same lawyer if they call back regarding a past issue?
Yes. Once you speak to a lawyer regarding a particular issue, you will be assigned to the same lawyer if you call back. If the assigned lawyer is away at the time of call back, notes will be left on file for takeover by another lawyer.
Can the lawyer helping me with a dispute be hired to do representation?
No, the lawyer is there to provide telephone assistance and cannot accept a mandate from a member.
In the event of identity theft, will the lawyer draw all the documentation for re-establishing identity?
No, the lawyer will guide and support you through the various steps leading to the recovery of your identity.
How many referrals will I get from a home referral request?
Members will receive up to three trusted supplier references for their referral request by email within 24 to 48 hours of the request being made.
Are referred suppliers subject to verifications?
Yes. Referred suppliers are subject to rigorous checks. Court registry and Better Business Bureau checks are done systematically, and they must also be covered by liability insurance.