Motusbank is a fully digital bank with no physical branches. All customer service is provided by phone and through online banking. The primary contact number is 1-833-696-6887.
Motusbank Contact Information
| Department | Phone / Channel | Hours |
|---|---|---|
| General customer service | 1-833-696-6887 | Mon–Fri, business hours |
| Mortgage specialists | 1-833-696-6887 | Mon–Fri, business hours |
| Online banking | motusbank.com | 24/7 self-serve |
| Mobile app | Motusbank app (iOS / Android) | 24/7 self-serve |
Hours are subject to change — verify at motusbank.com.
Online Self-Service
Most account tasks are available without calling:
| Task | Channel |
|---|---|
| Balance and transactions | Online banking / app |
| Send Interac e-Transfer | Online banking / app |
| Bill payments | Online banking / app |
| Mobile cheque deposit | App |
| Card freeze (debit) | Online banking / app → Card Management |
| Autodeposit setup | Online banking → e-Transfer settings |
| Account details / void cheque | Online banking → Account Details |
| GIC renewal | Online banking |
| Mortgage account view | Online banking |
| TFSA / RRSP contributions | Online banking |
No Branches: What This Means Practically
| Need | Motusbank Solution |
|---|---|
| Cash withdrawal | Any Canadian ATM (fee rebated up to monthly cap) |
| Cash deposit | EFT from linked bank; mobile cheque deposit |
| Cheque deposit | Mobile cheque deposit (app) |
| In-person service | Not available — phone or online only |
| Mortgage signing | Remote / digital signing process |
Cash deposits are not directly possible — cash must be deposited at another institution and transferred via EFT to Motusbank. If you regularly receive cash (e.g., freelance work paid in cash), a traditional bank or credit union account for deposits alongside a Motusbank savings account is a practical combination.
Motusbank vs EQ Bank vs Manulife Bank: Service Comparison
| Feature | Motusbank | EQ Bank | Manulife Bank |
|---|---|---|---|
| Phone support | ✓ | ✓ | ✓ |
| 24/7 phone | ✗ | ✗ | ✗ |
| Branches | ✗ | ✗ | ✗ |
| ATM access | Rebate (any ATM) | EXCHANGE Network + Scotiabank | EXCHANGE Network |
| Mortgages | ✓ (excl. Quebec) | ✗ | ✓ |
| CDIC insured | ✓ | ✓ | ✓ |
| OBSI member | ✓ | ✓ | ✓ |
Motusbank vs Meridian Customer Service: Key Distinction
Motusbank and Meridian Credit Union are separate institutions:
| Feature | Motusbank | Meridian Credit Union |
|---|---|---|
| Legal entity | Federal bank | Ontario credit union |
| Service platform | motusbank.com | meridiancu.ca |
| Branches | None | Ontario branches |
| Deposit insurance | CDIC ($100,000/category) | DICO (unlimited, Ontario) |
| Customer service | 1-833-696-6887 | Separate Meridian line |
A Motusbank account cannot be managed at a Meridian branch. If you want branch access and are an Ontario resident, joining Meridian Credit Union directly (separate from Motusbank) provides branch access plus DICO’s unlimited deposit insurance.
Complaint Escalation
| Step | Contact | When |
|---|---|---|
| 1 | Motusbank — 1-833-696-6887 | First contact |
| 2 | Motusbank complaints department (request escalation) | If initial response unsatisfactory |
| 3 | OBSI — obsi.ca | External; free and independent |
OBSI handles complaints for federally regulated financial institutions. Motusbank is an OSFI-regulated bank and OBSI member. OBSI can make non-binding recommendations for compensation up to $350,000.