Small Business Online Banking

Now Available

Save time with great features including mobile access and more!

If you own a small business, time is probably one of your most valuable commodities. No matter what you do, you never seem to have enough of it. We can help. Upgrade - at no cost - to Small Business Online Banking and discover online banking the way it was meant to be - smart, simple, seamless.

In addition to our existing safeguards, including encryption and security questions, we also feature an extended Personal Access Code (PAC) as another layer of security for YNCU online banking users.

Click here to learn more on Extended PAC Expand/Collapse

When you first login to online banking you will be prompted to change your currect PAC (Personal Access Code) to your new, extended PAC.

When you set your new PAC, you must comply within the following parameters: 

  • Minimum of 10 characters
  • Maximum of 30 characters
  • Must contain 1 upper case letter
  • Must contain 1 lower case letter
  • Must contain 1 numeric character
  • Must contain 1 special character. Supported special characters include:
Special Characters Comments
! Exclamation Mark
@ At Sign
# Number Sign
$ Dollar Sign
( Left Round Bracket/Left Parentheses
) Right Round Bracket/Right Parentheses
- Hyphen
\ Backslash
/ Slash
| Vertical Bar/Pipe
? Question Mark
, Comma
. Period
: Colon
Apostrophe/Single Quote

The extended PAC will impact all devices currently used to access online banking (desktop/laptop computer, mobile platform and YNCU/Community First apps. Extended PAC will not impact telephone banking, which will retain your existing PIN.

Please note that the last 5 passwords you've used cannot be used again.

If you have any questions or require assistance setting up your extended PAC on or after February 20th, 2019, please contact the Service Excellence Centre at 1-866-942-2328 or visit your local branch. 

For general security tips for online banking, please click here.

Additional Information for MemberDirect Small Business Users

If you are the signer for a small business account with delegates, there are some extra steps to take.

If you have delegates, the status of each delegate needs to be updated. Delegates will be unable to log in until you change their status. The steps to update are as follows:

  1. In Online Banking, go to Business Services - Add/Modify Delegates.
  2. Select Edit next to the Delegate you need to update.
  3. Change the Delegate status from Inactive to Active.

The delegate cannot successfully login until the signer has logged in first and updated to the new Enhanced PAC.

Getting started is easy. Upgrade for FREE today!

Contact Business Services at (705) 942-0977

Account Aggregation Expand/Collapse

Consolidate your accounts

With Small Business Online Banking, moving money between your business and personal accounts is easy. See all your accounts at a glance - without having to login more than once.

Multi User Support Expand/Collapse

Authorize users to view or initiate transactions

Do you hire an accountant, a bookkeeper, or even a family member to keep your business finances in order? With Small Business Online Banking, you can authorize your staff (delegate) to view your statements online at their convenience, without the hassle of paper statements. You can also authorize delegates to initiate transfers and bill payments. They start the process, you finish it by approving or declining each one.

Dual Signature Support Expand/Collapse

Automate dual signature approvals

Transactions created in Small Business Online Banking can also be set up to require approval from two people. Best of all, the notification process between both signers is fully automated. You'll be able to see what's pending as soon as you log in.​


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