Welcome to YNCU

Visit yncu.com and select the online banking login, or download the YNCU Banking app. Your member number has not changed, but your previous CFCU Personal Access Code will not work on YNCU’s digital banking platform. Use your member number and the one-time PAC/password instructions included in your mailed integration quick guide to begin the first-login process. You’ll then enter the verification code sent to the primary email address or mobile phone number associated with your membership and create a new username and password. You’ll use your new username and password for future access to YNCU’s online and mobile banking. 

Download the YNCU Banking app using the links below:
Download from the Apple App Store
Download from the Google Play Store 

The former CFCU mobile banking app will no longer work.

For your security, the one-time PAC/password instructions are not published online or provided by email. Visit any YNCU branch or call the Service Excellence Centre at 1-888-413-YNCU (9628) for assistance with your one-time PAC/password and first login. 

During your first login, a one-time verification code will be sent to the primary email address or mobile phone number associated with your membership. If you cannot access the contact information we have on file, visit any YNCU branch or call 1-888-413-YNCU (9628) for assistance.

Yes. Complete the first-login process using your member number, one-time PAC/password, and verification code. Once you have created your new username and password, you can enable biometric access on a supported device.  

Saved e-Transfer recipients, e-Transfer history, pending transfers, Requests for Money, and Autodeposit registrations did not move to YNCU’s digital banking platform. After completing your first login, you can recreate the saved recipients you wish to continue using and register for Autodeposit again. 

Pending e-Transfers that were not accepted before integration were cancelled, and the funds were returned to your account. You can create and send a new e-Transfer through YNCU’s digital banking platform after completing your first login. 

If an e-Transfer still displays the Comtech Fire Credit Union name, select Your Neighbourhood Credit Union from the financial institution list to deposit it.

Saved bill payees and scheduled bill payments transferred automatically to YNCU’s digital banking platform. The Corporation Tax (RC159/RC160) payee and any future-dated or recurring payments associated with it did not transfer. Business members who used this payee should review the Corporation Tax information below.

No. Existing direct deposits continue without interruption. You do not need to provide updated banking information to your employer or other organizations that deposit funds into your account. 

 Check the first seven digits of your card: Cards beginning with 5047211 will continue to work. Your existing transaction limits have carried over to YNCU’s banking system. Cards beginning with 5047210 no longer work. A replacement card was mailed to you. If you have not received or activated your replacement card, visit any YNCU branch or call 1-888-413-YNCU (9628). 

Remaining CFCU debit cards are scheduled to be replaced with YNCU Visa Debit cards in 2027. If you would like to access Visa Debit, Lock ’n’ Block security controls, or mobile wallet capabilities, including Apple Pay, sooner, you can replace your card at any YNCU branch.

Yes. Legacy CFCU members can now complete their banking across YNCU’s network of 21 branches throughout Ontario. Use the Find a Branch tool at yncu.com to locate your nearest branch and view current hours. 

Your accounts and financial products transitioned automatically to comparable YNCU products. Because products and individual account arrangements vary, some features or fees may have changed. If a new product does not meet your needs, contact us. Our team will be happy to review your account and available options. 

No. Me-to-Me transfers are not available on YNCU’s digital banking platform. Interac e-Transfer® may be used for many transfers.

Business banking arrangements vary. Follow the first-login instructions provided directly to your business. Some business users can complete the standard first-login process using the instructions in their integration package. Others require a manual reset before they can access their business banking. If you cannot complete your first login, call the Service Excellence Centre at 1-888-413-YNCU (9628) for assistance.

No. Existing business banking delegates did not transfer automatically. After completing your first login, set up your delegates again on YNCU’s digital banking platform.

Future-dated and scheduled business payments that were fully approved before integration transferred to YNCU’s digital banking platform, except for payments associated with the Corporation Tax payee. Payments that were still awaiting approval did not transfer and must be recreated. 

The previous Corporation Tax (RC159/RC160) payee did not transfer to YNCU’s digital banking platform. Add the CRA GST/HST payee that matches the payment you need to make: • CRA GST/HST – Payment on Filing (RC158) • CRA GST/HST – Amount Owing (RC159) • CRA GST/HST – Interim (RC160) When adding the new payee, enter your Business Number. Future-dated or recurring payments previously associated with the Corporation Tax payee did not transfer and must be recreated using the appropriate new payee. Your previous CRA payment history remains available. 

Visit any YNCU branch or call the Service Excellence Centre at 1-888-413-YNCU (9628).