Member Updates

COVID-19 (Coronavirus)

The health and safety of our staff and members is our main priority. We recognize the growing concern regarding COVID-19 (Coronavirus). Click here for regular updates which will be posted as they become available.

New digital payment capabilities for our Collabria cardholders - July 19, 2021 Expand/Collapse

Collabria has expanded their digital payment capabilities by adding Google Pay and Samsung Pay which will compliment their existing lineup comprising of Apply Pay and Click to Pay.

These additions allow more cardholders to conveniently use their mobile and wearable devices to tap and go for frequent small value, day to day transactions wherever contactless payments are accepted. No matter which way you pay, you will continue to earn eligible rewards, benefits and security. 

Click here to learn more about our Collabria credit cards!

Our Interac e-Transfer receiving limits have changed - July 8, 2021 Expand/Collapse

To better serve our Members, we have updated our Interac e-Transfer receiving limits. Effective July 8, 2021, Members will no longer have a daily, weekly, or monthly receiving limit on Interac e-Transfers.  This is especially beneficial for our Small Business Members wishing to implement contactless payment options.

Sending/Receiving Limits

Sending limit per Transaction


Sending Weekly Limit


Sending Monthly Limit


Receiving limit per Transaction


Receiving Daily, Weekly, Monthly Limit


If you have any questions about this change, please contact our Service Excellence Centre at 1-888-413-YNCU (9628) or your local branch. For more information on Interac e-Transfers, click here.

Enbridge Bill Payee Format Change Expand/Collapse

For Members who use our online bill pay feature to complete their Enbridge bill payments, please note that Enbridge has changed their account number format.

To avoid any missed payment, you are required to update your bill payee information for your Enbridge account. You should have received updated account information from Endbridge. For assistance, please refer to the Enbridge website or recent mailing for further information.

Our branch hours have changed - June 21, 2021 Expand/Collapse

In an effort to accomodate the financial needs of our Members, YNCU has made changes to the hours of operation at our branches. Click here to find the most up-to-date hours for your branch. Virtual appointments are still available for Members wishing to complete their banking from home. 

If at any time you are looking to complete your banking in-branch but cannot meet the business hours advertised, please contact our Service Excellence Centre at 1-888-413-YNCU (9628) and we will be happy to make arrangements for an appointment that is more convenient for you.

YNCU announces Uptown Campus Redevelopment Project – May 31, 2021 Expand/Collapse

YNCU is constantly seeking new ways to better support our Members while supporting community growth. It is with that in mind that we are excited to announce the rebuild of our Uptown Waterloo branch, with plans to start the transition Summer 2021. The purpose of the venture is to equip the new facility with innovative technology and accessible features that meet the current and future needs of our Members. By building an inviting, modern new space, YNCU will be able to offer high-end amenities, increased accessibility and the latest technology, all with exceptional customer service at the same location our Members know and love.

With its history dating back to the 1940s, YNCU is a pillar in the Waterloo Region and has played a key role in its development. Propelling the community forward while honouring the past, the YNCU Uptown Waterloo branch will be temporarily relocating to the former Marbles Restaurant to preserve its legacy at such a difficult time. Just down the road from the current branch, the building will serve as a convenient temporary location until we can welcome you into the new space. By moving into Marbles, a staple in Uptown, YNCU hopes to protect its integrity until the next business opportunity arises, ideally carrying on its tradition. The banking experience for our Uptown Waterloo and visiting Members will not be disrupted during this rebuild, as YNCU’s temporary branch location as well as neighbouring branches will be equipped to accommodate those affected.

Desjardins ATMs have joined the ACCULINK network - April 20, 2021 Expand/Collapse

Our members are now able to withdraw cash from any Desjardins ATMs without the worry of surcharging. Also, through the Desjardins network, credit union members will also be able to access the networks of Caisse Populaire Alliance Limitee (CPAL) and UNI Financial (UNI), who operate regional caisses populaires alliances in Northern Ontario and New Brunswick, respectively.

Through the addition of the Desjardins ATMs and their network partners, ACCULINK ATMs will more than double in size and will expand to 4221 ATMs nationally – moving from the smallest ATM network in the market, to the second largest in Canada, behind only RBC.

Brantford - Charlotte Street Open During Construction Expand/Collapse

Our Charlotte Street branch in Brantford is currently undergoing renovations to serve you better. We remain open for in-branch services or you can visit any of our other branches. For a list of our branches, click here.

Member Card Decline Update - Friday, January 10th, 2020 Expand/Collapse

There is an ongoing issue that has been identified with a specific merchant terminal provider who has not updated their point-of-sale terminals. This affects our credit union as well as other financial institutions that have issued new debit cards that support the new CHIP with Interac-mandated changes. If you have been issued one of our new black Member Cards your chip card will be declined at selected merchants that use these terminals. The issue has been identified by the provider and they are currently working to update their terminals. Your debit card will continue to work as expected at ATMs and merchants who do not use this point-of-sale provider. If you run into issues using your new debit card, here are some solutions in the meantime.

  • Use your credit union Mastercard, they are not impacted by this issue

  • Withdraw cash from an ATM

  • Interac Flash (tap) is not impacted by this. Use Flash where available, and ask the merchant to split the transaction if possible to remain under the tap limit.

We will provide an update once the provider has rectified this issue. We apologize for any inconvenience this has caused and sincerely thank you for your patience.

Welcome To Our New Website: Expand/Collapse

We're excited to unveil our new website to match our new brand! We've streamlined our navigation and products so you can find everything you need even easier. If you are experiencing any problems, we'd love to hear your feedback. 


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