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Online Banking

Manage your money online, anytime.

It’s easy, safe and secure. Log in and take control of your finances.

Take care of your personal banking whenever it’s convenient for you. Everything you need is just a few clicks away. Simply log in – you’ll need your debit card – and bank online. Here’s what you’ll get access to: 

Move money with Interac e-Transfer®

Send, request and arrange for money to be automatically deposited into your account.

Pay bills online

Set up and manage your bill payees so you can make quick and easy payments. 

View eStatements and account history

Monitor day-to-day activity and access your free electronic statements.

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Not a FirstOntario Member yet?

It only takes a few minutes to become a Member and open an account at the same time. Take care of it all online.

Convenience banking when you need it

FirstOntario offers a selection of services through online banking to make your life easier. 

CRA Direct Deposit

A fast, convenient and secure way to get your CRA payments directly into your account.

Automate transfers and payments

Easily set up recurring transfers and bill payments so you can plan ahead and stay organized.


Switch recurring payments and direct deposits from your accounts at other financial institutions to your FirstOntario account. 

Go Paperless

Choose the environmentally-friendly route and access everything you need electronically.

View all your accounts in one place

Link your Credential investment accounts for easy reference and access MyCardInfo to check Visa transactions and balances.   

Open accounts online

It's easy to set up term deposits and open chequing, eSavings and U.S. Dollar accounts through online banking.

Direct deposit forms available online

This feature will allow you to easily set up pre-authorized debits or credits on your FirstOntario accounts whenever needed.

​Log in to online banking

The most convenient and secure way to bank.

Need help?

Visit our help section to get more support

​​​Are there fees and limits for Interac e-Transfers®?

There will be a service fee of $1.50 for each Interac e-Transfer sent (there is no fee to receive one). This feature is available for personal and business accounts.

Please see below for transaction limits:

Interac e-TransfersLimit
Maximum sending transaction limit$3,000
Maximum sending limit per day$10,000
Maximum sending limit per week$10,000
Maximum sending limit per month$20,000
Maximum incoming limit per week$70,000
Maximum incoming limit per transaction$10,000
Maximum incoming limit per day$10,000
Maximum incoming limit per month$300,000
Minimum incoming limit per transaction$0

​​​How do I complete an Interac e-Transfer®?

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. Click on “Transfers” on the menu on the left, then select Send Interac e-Transfer.  
  3. Set up your profile by filling out the fields as indicated.  
  4. Click on “Add Recipients”. 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 Interac e-Transfer page. Indicate the amount you'd like to send.

Your account will be debited the amount you have sent as well as a $1.50 fee once you click Send Transfer.

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 a 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.

​​​How do I register for online banking?

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 Solutions Centre a call (1-800-616-8878) to get set up. Then, enjoy the convenience of 24-hour access to your accounts.   

More ways to bank

​We're here to accommodate your needs.