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Mobile Banking

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Download the app, log in and you’ll be ready to go!

The official FirstOntario app is only available through the App Store and Google Play.


Access your bank accounts on the go.

Creative Arts Financial members now have access to the FirstOntario mobile banking app. It's secure and convenient and lets you stay on top of your everyday banking using your smartphone or tablet. Here are a few things you can take care of though the app:


Move money with Interac e-Transfer®

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

Deposit Anywhere​™

Deposit a cheque in less than a minute simply by taking a picture with your phone.

Pay bills online

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

Person Using Mobile Phone and Laptop

Introducing 2-Step Verification

We’re implementing 2-Step Verification (2SV) to enhance our security measures and give our members another layer of protection online.


Forget about business hours

Go mobile and enjoy endless banking options. Bank on the go in real time, when you have time. No need to rush anywhere when everything is right at your fingertips. 


Automate transfers and payments

Easily set up recurring transfers and bill payments.

Check balances and account activity

Just tap to view a quick summary of all your account transactions.

Transfer funds

Move money between your creativeartsfinancial accounts in no time.

Find your nearest branch/ATM

Access more than 3,700 surcharge-free ATMs through THE EXCHANGE Network. 

View our great rates

Log in to the FirstOntario app and tap Rates.


Download the FirstOntario app now


Need help?

Visit our help section to get more support


Our premium chequing plans come with a range of free e-Transfers. The number of free transactions depends on which plan you have.

Visit our Chequing Accounts page for details on all of our accounts.

Please see below for transaction limits:

Interac e-Transfers Limit
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 1-866-800-ARTS (2787) or visit your local branch to get started and to receive your Personal Access Code (PAC).  
  2. Select Interac e-Transfer from the main page.
  3. Choose the account you wish to send money from by tapping Select Account.
  4. Choose the recipient of your e-Transfer by tapping Select Contact.
  5. Select Add Contacts. 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 Contacts list, you will not have to enter in the same information again.  
  6. 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.  
  7. Indicate the amount you'd like to send and select Continue.
  8. Review the details of your Interac e-Transfer. Your account will be debited the amount you have sent once you select 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.


You can reset your password anytime by simply clicking Forgot Password? on the online banking log in page. Online users must be enrolled in 2-Step Verification (2SV) to enable this feature. Business members need to call our Member Service Centre to reset their password.

Once you are on the log in page:

  1. Select Forgot Password?
  2. Enter your debit card and the last three numbers of your SIN
  3. Hit Continue
  4. You'll receive a one-time passcode as part of 2SV which you will then need to enter
  5. Enter and confirm new PAC
  6. Hit Continue

More ways to bank

We're here to accommodate your needs