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Bank anywhere. Literally.

Ways to Bank

How you do your banking is your business.

We know your time is important so we have designed banking solutions that are available when you are. YNCU provides you with convenient banking solutions to help you manage your money.

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Mobile Banking App

Use the YNCU Mobile Banking Apps to bank anytime, anywhere - all from your iPhone®, iPad®, and iPod Touch® or Android.

 
 
 

With the YNCU Mobile App you can:

  • Check your account balances and account activity
  • Pay bills
  • Transfer money between accounts
  • Manage scheduled payments and transfers
  • Check the latest interest rates
  • Send or receive an Interac® e-Transfer, or add a recipient
  • Find your closest branch or ATM
  • Deposit your cheques from your mobile device using Deposit Anywhere™
 
 

Click to download app:

 

 
download on the apple store
 
Get it on google play
 
 
 

Check balances in a flash with QuickView

​Now you can browse selected account balances on the go, even before you've logged in. Just activate the QuickView feature in the app, and a single tap of the screen will keep you in the know.

Privacy and Security

It's our priority to keep your information safe, which is why our mobile app uses the same high level of security as our online banking website.

 

iPhone, iPod touch, and iPad are trademarks of Apple Inc. registered in the United States and other countries.® TM Android is a trademark of Google Inc. TM Google Play is a trademark of Google Inc. Used under license. Trade-mark of Interac Inc. Used under license.

 
 
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Online

When there’s a network signal, there’s a way. As long as you can connect to the Internet, you’ll be able to access your accounts. Check your savings, set up direct deposit, send an e-transfer for a highly collectable wizard figurine – we won’t tell you what to do.

If you are setting up Online Banking for the first time, please contact your branch or our Service Excellence Centre at 1-888-413-YNCU to be provided with a temporary Personal Access Code (PAC).

 

 
 
Alerts Get real-time email or text alerts about your account activity for added security.
Transfers between accounts This page allows you to transfer funds between your own accounts or to another member number in which you have joint access. Transfers can be performed immediately, at a future date, or on a recurring basis.
Interac® e-Transfers Send and receive money fast and securely directly from your bank account. The scheduled and recurring feature allows you to automate upcoming or repeat payments, providing you with greater flexibility.
Account Summary The Account Summary displays all your account information and activity at a glance, including scheduled bill payments and transfers
Pay Bills Online Pay bills online and schedule recurring payments. 
Manage Cheques Deposit, view and download cheques directly from your online banking portal. You can also manage stop cheques and cheque holds through the site.
e-Statements e-Statements are available more quickly than receiving a paper statement in the mail. 
e-Documents View your e-Documents easily and securely by using our e-Documents feature in Online Banking. 
ACCOUNT OPENING Now from the convenience of your home, take advantage of our new Account Opening feature and select the product that’s right for you.
SECURITY In addition to our existing safeguards, including encryption and security questions, we also offer out members extended Personal Access Code (PAC) as an additional layer of security for YNCU online banking users. 
   
 
 
 
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In Branch

Friendly, Personal, Full-Service Banking

YNCU has 16 branches throughout Southwestern Ontario to serve your banking needs. Our knowledgeable, professional employees will assist you with your every day banking transactional needs and help you achieve your financial goals – today, and in the future.

At YNCU we have all the products and services you expect from a full service financial institution as well as a commitment to superior member service and an understanding of our community needs.

 

 
 
 
 
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Telephone

Our Telephone Banking system was designed with security in mind. 

With Telephone Banking and your touch-tone telephone you’ll have the freedom to keep track of your finances when and where it’s convenient for you.

1 (866) 942-1002

 
 
 

Main Features

  • Get branch or ATM information
  • Check balances on your accounts
  • Pay bills and add new bill vendors
  • Transfer funds between your accounts
  • Report a lost or stolen card

Getting Started

Our telephone banking system was designed with security in mind. Using your touch-phone, you can keep track of your finances at your convenience.

You Will Need

  • Your member number
  • A confidential 4-digit member access code or PIN obtained from any branch. (First-time callers will be prompted to change the access code we provided you.)

From a touch-tone phone, dial: 1-866-942-1002

You will be prompted for your Member ID and 4-digit PIN after you have selected an option from the menu below.

Tip

You can press * at any time to repeat your choices or # to return to the previous menu. Option 1 has many choices. You can press options 2 through 8 to jump to a specific activity.

Our telephone banking service is free, but there's a nominal charge for bill payments. Ask how you can pay bills for free with one of our convenient service plans!

 
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Telephone Banking Guide

Download PDF

 
 
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ATM

Automated Teller Machines (ATMs) provide you with access to your accounts using your Member Card® Debit Card. Enjoy 24-hours a day, seven days a week worldwide access to your accounts at over 1,000,000 ATMs displaying the Interac® or Plus® symbols.

 

 
Exchange Network Locate thousands of surcharge-free ATMs across Canada and the United States! Use your YNCU Member Card® debit card wherever you see THE EXCHANGE® logo on ATMs across Canada or the Allpoint logo on ATMs across the US.
ACCEL Pos The ACCEL® Point of Sale (POS) debit network in the United States is available to all our members.  The ACCEL® network is one of the largest POS networks in the United States with more than 1,000,000 merchants in the network. The majority of the top 100 U.S. retailers use ACCEL®.
Electronic Bill Payments

The Electronic Bill Payment feature at our ATMs makes paying bills simple. When you select this feature at our ATM, the ATM will now display a list (of up to 30) of your bill payees automatically on screen. Simply select the bill payee you wish to pay.

Mini Statements

 Our ATM Mini Statement provides you with the ability to print the last 10 transactions of an account (listed as debits and credits) on a receipt at any YNCU ATM.

Free ATM Access In United States

EXCHANGE cardholders have access to over 40,000 ATMs, surcharge-free, at prime retail locations in the United States on the Allpoint Network, the largest surcharge-free ATM Network in the United States.

Locating the Allpoint ATMs is made simple using THE EXCHANGE Network ATM Locator mobile app, which has been updated with all of the new locations and can be downloaded for iOS and Android devices on the App Store and Google Play Store. When using a desktop computer, cardholders can visit the Find An ATM Page of THE EXCHANGE Network website to access the ATM listing as well.
 
 

Visa Debit Card

Enjoy the freedom to shop when, where, and how you want, with funds directly from your bank account. The YNCU Visa Debit card puts you in control of your finances with every tap, swipe, or online purchase.

Make U.S and International purchases at millions of merchants in over 200 countries across the globe, shop online on millions of your favourite websites and apps, set up recurring bill payments, fund subscription services, all with one card - your YNCU Visa Debit card.

 
Your Visa Debit card is protected with Visa Zero Liability, which protects you from unauthorized use of your Visa Debit card. Regardless of where you shop, enjoy the comfort of knowing you're protected from fraud with the Visa Zero Liability policy.

Visa Zero Liability applies to all online and international transactions. Should your YNCU Visa Debit card become compromised, you will not be held liable as long as you have met your obligations as outlined in the Agreement, including your responsibility to protect your PIN. You are automatically protected and no additional sign-up is required.
 
 
 
 
 
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2024 Your Neighbourhood Credit Union Limited. All rights reserved.

Your Neighbourhood Credit Union (YNCU) is a licensed credit union operating in, and under the laws of, the province of Ontario. Eligible deposits in registered accounts have unlimited coverage through the Financial Services Regulatory Authority (FSRA). Eligible deposits (not in registered accounts) are insured up to $250,000 through the Financial Services Regulatory Authority (FSRA) .

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