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.

Who is eligible for the specialized services?

All Creative Arts Financial Premium Unlimited plan holders are eligible, including joint account holders.

What information will be used to verify that I’m eligible to receive assistance through the Benefits1 Bundle?

Your full name, postal code and/or phone number will be used to verify that you are a Creative Arts Financial Premium Unlimited plan holder and confirm eligibility.

Are there any additional charges?

The Benefits1 Bundle is included with your Premium Unlimited plan. The Benefits1 Bundle is intended to provide you with free access to legal, identity theft, estate and home repair information, referrals and assistance. Additional charges may apply should you choose to retain a third-party professional to complete any work or task required. 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.

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 or visit the 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.

Chequing accounts

Benefits1 Bundle

Big support for life’s little (and not-so-little) moments. Exclusive to Premium Unlimited plan holders.

The Benefits1 Bundle is your all-access pass to expert help when you need it. Available exclusively with the Premium Unlimited chequing plan, this feature connects you with trusted professionals who can guide you through legal* questions, estate planning, identity theft recovery, and even home repairs.

What’s included

Legal assistance

From family law to employment issues, property matters to consumer rights, experienced lawyers are just a phone call away and ready to offer you advice.

Estate assistance

Planning ahead or managing a loved one’s estate? Get expert guidance on wills, executorship, and estate planning to help you make informed, confident decisions.

Identity theft support

Worried about fraud or identity theft? If something doesn’t feel right, you’ll have a legal expert to walk you through what to watch for, who to notify, and how to recover.

Home referral assistance

We’ll connect you with verified professionals for repairs, renovations, and upgrades — plus help you find available grants or rebates to save money.

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

FAQs

Features

Access

Services

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 Creative Arts Financial, 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.

Not a Premium Unlimited member yet? It’s easy to upgrade or open a new account.

Or give us a call at 1-866-800-2787 to upgrade your account.

Terms and conditions

* Legal assistance provided is general in nature and for informational purposes only and does not replace obtaining specialized legal advice for your particular circumstances. The legal assistance offered may exclude certain areas of law including questions about taxes, criminal law or commercial activity. You are responsible for any fees associated with additional services not included in the Benefits1 Bundle including for example drafting a will or notary services or fees charged by your telecommunications provider related to the call. The Benefits1 Bundle allows you to benefit from legal assistance and other assistance services if you hold the Premium Unlimited plan. These services are provided entirely by Fecteau Bélanger and Associates Consulting Group Inc., also doing business under FBA, FBA Consulting Group and FBA Solutions (“FBA”). You understand that by using FBA’s services, you release FirstOntario Credit Union Limited from any liability related to the services provided by FBA, including any matter relating to information security and confidential information that could be shared by you with this company or with its employees during the provision of services.

Balance	Rate*
Balance $0 – $100,000.00	Rate* 1.55%
Balance $100,000.01 – $250,000.00	Rate* 1.60%
Balance $250,000.01 – $500,000.00	Rate* 1.70%
Balance $500,000.01 – $750,000.00	Rate* 1.80%
Balance $750,000.01 – $1,000,000.00	Rate* 1.90%
Balance $1,000,000.01 – $2,500,000.00	Rate* 2.00%
Balance $2,500,000.01+	Rate* 2.10%

Wednesday, July 1, 2026	Canada Day
Monday, August 3, 2026	Civic Holiday
Monday, September 7, 2026	Labour Day
Wednesday, September 30, 2026	National Day for Truth and Reconciliation*
Monday, October 12, 2026	Thanksgiving Day
Wednesday, November 11, 2026	Remembrance Day*
Thursday, December 24, 2026	Christmas Eve**
Friday, December 25, 2026	Christmas Day
Monday, December 28, 2026	Observation of Boxing Day*
Thursday, December 31, 2026	New Year's Eve**
Friday, January 1, 2027	New Year's Day 2027

Balance	Rate*
Balance $0 – $1,000.00	Rate* 0.05%
Balance $1,000.01 – $5,000.00	Rate* 0.05%
Balance $5,000.01 – $10,000.00	Rate* 0.05%
Balance $10,000.01+	Rate* 0.05%

Account options	Rate*
Account options Non-registered savings	Rate* 0.30%
Account options TFSA investment savings	Rate* 0.60%
Account options FHSA investment savings	Rate* 3.20%
Account options RRSP investment savings	Rate* 0.05%
Account options RRIF investment savings	Rate* 0.05%

Balance	Rate*
Balance $0 – $1,000.00	Rate* 0.05%
Balance $1,000.01 – $5,000.00	Rate* 0.05%
Balance $5,000.01 – $10,000.00	Rate* 0.05%
Balance $10,000.01+	Rate* 0.05%