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Online Banking Help

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  • Online Banking

Get help logging in and managing your finances online

There is plenty you can take care of when you manage your money online. Get to know everything that is available to you just by logging in.

  1. From the left navigation menu, select Account Services.
  2. Select View Credit Cards from the menu, you will be taken to the Add/Remove Collabria Card page.
  3. Select Link a Collabria Credit Card.
  4. Read and agree to the terms and conditions.
  5. Enter the 16-digit credit card number and three-digit CVV for the card you would like to link.
  6. Select Link Card and you will be taken to a page confirming your newly linked accounts.
  1. Once you log in, choose the chequing or savings account from which the form is needed. Note – this feature is not available in mobile banking.
  2. Below Account Details, select Direct Deposit and Pre-Authorized Debit (PAD) Form.
  3. A letter will automatically be generated, on FirstOntario letterhead and will include a copy of the void cheque.
  4. You can print the letter if a void cheque is needed or you can easily locate the institution number, transit number and account number to set-up a pre-authorized credit or debit.
  5. Be sure to delete the download once you’re finished to ensure your banking information is protected.

To get started, you'll need a Personal Access Code (PAC), which you can get at your nearest branch. If you already have a debit card, give our Member Service Centre a call at 1-800-616-8878 to get set up.

Then, enjoy the convenience of 24-hour access to your accounts. 

  1. Log in to FirstOntario's online banking using your current Personal Access Code (PAC).
  2. Navigate to Profile and Preferences in the left navigation menu.
  3. Select Change Personal Access Code.
  4. Enter your current PAC followed by your new PAC. You will need to enter your new PAC a second time to confirm it.
  5. Select Submit.

A safe access code consists of at least 12 characters and combines letters and numbers.

If you have forgotten your password or if you are locked out of your account, please contact our Member Service Centre at 1-800-616-8878 to reset your PAC.

All Members are set up to automatically receive eStatements in online banking.  You can stop paper statements from being mailed to you by changing your preference in online banking.  Simply log in to online banking and follow these simple steps:

  1. In the left navigation menu, select My Accounts.
  2. Within the My Accounts menu items, select Statement Preferences.
  3. The first screen will show you your Membership number.
  4. Select Next. On the next screen, choose E-Statements only as your statement preference and select Continue.
  5. The next screen will summarize your preference. Select Confirm to complete the process.

Depending on timing of completing these steps, you may still receive one more paper statement mailing after cancelling paper statements.

Your eStatement can be found by logging in to online banking and following these simple steps:

  1. In the left navigation menu, select My Accounts.
  2. Within the My Accounts menu items, select View e-Statements.
  3. The e-Statements screen will appear and you can select the year from which you would like to view a statement.
  4. After you choose the specific year, e.g. 2019, each month for which a statement is available will appear for you to select from.
  5. Select the month you want to open a PDF of that month’s statement.

Log in to online banking and head to the My Accounts section. Select your line of credit (or any other account) from the list of accounts, then select Account Details.


Interac e-Transfer®

You can also visit our Interac e-Transfer FAQ page for more detailed information.


All of our everyday chequing accounts come with free e-Transfers. The number of free transactions depends on which account you have. View our Everyday Chequing Accounts page for details on all of our accounts.

Please see below for e-Transfer transaction limits:

Maximum sending limit per transaction $3,000
Maximum sending limit per day (rolling period of 24 hours) $10,000
Maximum sending limit per week (rolling period of seven days) $10,000
Maximum sending limit per month (rolling period of 30 days) $20,000
Maximum incoming limit per transaction $25,000
Minimum incoming limit per transaction $0

All you and the recipient/sender need to get started is an email address or mobile telephone number and a Canadian deposit account with access to online banking.

Sending an Interac e-Transfer 

  1. Log in to online banking. If you haven’t set up your online banking yet, call us at
    ​1-800-616-8878 or visit your local branch to get started and to receive your Personal Access Code (PAC).
  2. Select Transfers in the menu on the left, go to INTERAC e-Transfer then select Send Money.
  3. Set up your profile by filling out the fields as indicated.
  4. Select Add New Contact. Enter the name and email address or mobile telephone number of the person who you will be sending the money to. Once you have added these details, they will be stored on the Recipients list, you will not have to enter in the same information again.  
  5. Create a security question and answer that only the sender and receiver will know. The receiver will have to enter the answer to the security question in order to access the e-Transfer. If it's a friend, for example, the question might be: "What is the name of your dog?"

    For security reasons, the message field which enables you to leave a note for your recipient, must not contain the answer to your security question.
  6. Select your recipient from the dropdown list on the Send via Interac e-Transfer page. Indicate the amount you'd like to send and select Continue.
  7. Review the details and select Confirm. Your account will be debited the amount you have sent once you select Confirm.

Receiving an Interac e-Transfer 

You will be notified by email and/or text that an Interac e-Transfer has been sent to you.

From your computer or smartphone, open the email or text and you will be walked through a simple, user-friendly interface that leads to your own financial institution's online banking, where you will deposit the funds to the account of your choice after correctly answering the security question set up by the sender.

Autodeposit is a feature within the Interac e-Transfer service that enables users to save time when accepting an Interac e-Transfer.

It is enabled by registering your email address with Interac, and allows you to receive funds directly into an assigned account without the need to select your financial institution or answer a security question.

When sending an Interac e-Transfer, the sender is made aware in online banking that you are registered for Autodeposit.

Request Money is a feature within the Interac e-Transfer service that allows you to request money via online banking.

Money can be requested by sending an email or text message to any individual or business in Canada. When the request is fulfilled, you will receive a notification once the funds are deposited into the selected account.


Online Security

Increased authentication improves the safety of the online banking environment by adding challenge questions and answers at login. These questions increase the protection of online banking against phishing and other fraudulent behavior.

Members set up three challenge questions from a list provided during the registration process.

When you log in to online or mobile banking, the login page may display one of the three selected challenge questions you chose at the time of the registration.

The challenge question appears based on a number of security policy parameters such as logging in from a device you would not normally log in from.

Answering the question correctly will indicate the login is genuine and you will be allowed to continue into your online banking account.

When you do not answer the challenge questions correctly, you will be presented with another of the three questions you set up.

After three attempts you will be locked out of your account and will need to contact our Member Service Centre at 1-800-616-8878.

Once logged in, you can select different challenge questions from the list provided and you can also update the answers you have already set up.

You can set up an email and/or text alert that will notify you if your account has been locked due to maximum number of failed attempts to answer your challenge question.

This alert and others can be set up in online banking by going to Messages and Alerts in the left side menu, then selecting Manage Alerts.

No, you must select your challenge questions from the list provided.
Laptop on Desk Beside Mobile Phone

Digital enhancements coming soon

We've got plans for your digital banking journey! Your online banking experience is going to get even better.


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