Latest News

December Statement Delay Expand/Collapse

Please be advised that due to circumstances beyond our control, the December monthly member statements will be delayed.  For realtime access to all your accounts and transactions, please sign-in to your online banking account or visit your nearest branch.

Possible Canada Post Strike – How to Avoid Service Disruptions Expand/Collapse

[10/22/2018] With a possible Canada Post strike on the horizon you may experience a mail service disruption. This means that statements and other important information that you receive from Your Neighbourhood Credit Union may not be delivered or processed on time. 

Here is what you might expect in the event of a Canada Post strike:

  • Mailed statements will be delayed.
  • Mailed investment and mortgage renewal letters will be delayed.
  • New or replacement debit cards or Collabria credit cards will be delayed.
  • Statements from Collabria credit card will be delayed. During service disruption you are still responsible to pay all your bills on time. You can do this by visiting a branch, through Online Banking or by accessing MyCardInfo.

How can you avoid disruption?

  • Sign up for Online Banking and download our Mobile App from the Apple App Store or Google Play App Store
  • Register for e-statements in Online Banking
  • Sign up for our electronic document delivery in Online Banking for all renewal statements and other important documents. Signing up is easy, simply provide your email address. We will even send you a notice when your documents are ready to review.
  • Sign up for email and/or mobile alerts

To sign up for Online Banking and get 24/7 access to your bank account(s), contact or visit your local branch.

Donate to the BC Fires Appeal through your Credit Union Expand/Collapse

[08/29/2018] Credit Unions of BC and Credit Unions of Ontario are coming together to raise money to help aid in the efforts to combat the devastating wildfires affecting British Columbia residents.

Fast moving flames have forced thousands of people from their homes. Urgent help is needed for individuals and families evacuated from their communities.

Donations to the Canadian Red Cross will be used for immediate and ongoing relief efforts, long term recovery, resiliency and preparedness for future events in British Columbia and Yukon, including consequential events related to the fires.

From August 15 until October 12, 2018, the Province of British Columbia will match all donations made by individuals who are residents of B.C, up to $20 million.

To donate, please visit: 

Microsoft Malware Scam Alert Expand/Collapse

[07/26/2018]  We have been made aware of a recent Microsoft malware scam that is affecting some of our members.

There’s a particular type of online scam that uses malware to lure you into contacting fake tech support. Scammers will pretend to be Microsoft support and claim there are problems with your PC, such as malware or licensing issues, system errors, or displaying fake blue screens. They then try to get you to pay for services or software to fix the problems. They may also try to get access to your PC by getting you to install remote management apps.

In this case, a pop up will appear on your computer screen with the following alert:

** Microsoft Warning Alert **
Malicious Pornographic Spyware/Riskware Detected
Error # 0x80072ee7

Please call us immediately at: 1-800-953-457X
Do not ignore this critical alert.
If you close this page, your computer access will be disabled to prevent further damage to our network.
Your computer has alerted us that it has been infected with a Pornographic Spyware and riskware. The following information is being stolen…
> Financial Data
> Facebook Logins
> Credit Card Details
> Email Account Logins
> Photos stored on this computer
You must contact us immediately so that our expert engineers can walk you through the removal process over the phone to protect your identity. Please call us within the next 5 minutes to prevent your computer from being disabled or from any information loss.
Toll Free: 1-800-953-457X

Please be aware that these alerts are nothing more than a scam. Microsoft does not send unsolicited email messages or make unsolicited phone calls to request personal or financial information or to fix your computer. Treat all unsolicited phone calls or pop-ups with skepticism and do not provide any personal information.

If you have been contacted by one of these scammers, please submit a complaint with the Federal Trade Commission.

Click here to learn more about how to protect yourself from fraud.

Assurant Home Warranty Program Expand/Collapse

[04/01/2018]  With the withdrawal of the Assurant Home Warranty Program, we’re happy to let you know you still have options to cover the appliances (and more!) you purchase for your home.

If you purchase with your debit card or your credit union Mastercard, you’ve got coverage! Your debit card has buyer protection. That’s right!

Paying with your debit card gives you:

Buyer Protection - on the purchase of most retail items - and that includes gifts! For a full 120 days after the purchase, the item is protected if it's stolen, dropped and broken or even consumed in a fire.

Extended Warranty – the program doubles the warranty period of a purchased item up to two years. PLUS … A unique benefit for credit union members!
  • Personal and home-based business purchases are protected
  • Coverage is up to $60,000 lifetime
  • Gifts are included
  • Includes worldwide purchases not just Canadian purchases
  • Purchases made with a cheque drawn on your insured account are also protected
There’s no application and no additional cost. Learn more at your branch or on our website by clicking here.

Your credit union Mastercard also offers plenty of coverage for the things you purchase. Every one of the cards in our line-up includes 90 days purchase protection and double the manufacturer’s warranty (up to one year). Some even include mobile device insurance! Check out the line-up in your branch or on the website by clicking here. Please contact your branch today to learn more.

Effective January 1st, 2018 we’ll be working with a new credit card provider Expand/Collapse

If you carry a credit union Mastercard credit card issued by CUETS Financial*, here’s information you need to be aware of. Your Neighbourhood will be partnering with a new Canadian Credit Card provider. This means we will no longer be able to provide support or information on our website or in the branches for your current CUETS Financial credit card. Although Your Neighbourhood is no longer participating in the CUETS Financial credit card program, your credit card will continue to work. CUETS Financial will continue to provide support, service, and assume sole responsibility for all administrative and processing aspects of your current Mastercard credit card.

*Please watch for a letter from CUETS Financial explaining this change and how they will continue to work with you effective January 1, 2018.**

If you’re used to signing in to the Mastercard or Choice Rewards site, be sure to save or bookmark the links before December 31st , 2017 because we’ll be removing those links from our website on that date.

What will stay the same?

You can continue to use your existing CUETS Financial Mastercard credit card after January 1st, 2018, the same way you do today. You will have the same PIN, features and benefits, credit limit, interest rate(s) and fees. Your CUETS Financial Account Agreement and Disclosure Statement, as amended to date, will also remain unchanged. Please ensure your address is current with CUETS Financial so you will continue to receive any notices from them.

If you’ve set up Credit Union Mastercard in your bill payments, you’ll still be able to pay your bill online and in the branch.

What will change?

Effective January 1st, 2018 you won’t see any direct links to CUETS Financial or Choice Rewards site on our website. When you log-in to, you will no longer see our name or logo on your landing page. Be sure to save the link before December 31st, 2017.

We will no longer offer CUETS Financial credit cards in the branches, and unfortunately we won’t be able to provide member service on your existing credit card. To continue to manage your account, you can go online using your current login credentials for CUETS Financial Online Card Services. If you aren't currently enrolled, you can visit and click "New User / Enrol Now" link. Alternatively, you can contact the CUETS Financial toll-free customer assistance number: CUETS Financial Card Services 1-800-561-7849.

*Guaranteed cards IMPORTANT NOTE:

If you have a CUETS Financial Guaranteed Mastercard (one that requires a financial guarantee from the Credit Union), watch for an important message from us shortly.

*CUETS Financial is a division of The Toronto-Dominion Bank. This credit card is issued by The Toronto-Dominion Bank. All trade-marks are the property of their respective owners. CUETS is a trade-mark of Canadian Credit Union Association, used under licence. ® Choice Rewards is a trademark of The Toronto-Dominion Bank.

Update for Canadians on the Equifax security breach Expand/Collapse

[10/20/2017] Equifax has provided an updated statement.  "We are pleased to report that as of this week, all letters have been mailed to Canadians impacted by the cybersecurity incident. This is an important milestone. We can now look to the future with an intensified focus on protecting Canadian consumers as we continue to provide insights that enable you to optimally serve your customers. If you have questions or concerns, please direct them to your account representative."

[10/03/2017] Equifax has provided an updated statement.  Their analysis of the recent data breach now suggests about 8,000 Canadians were affected versus the 100,000 they initially cautioned. As previously committed, Equifax will notify impacted Canadians by mail and offer them free credit monitoring and identity theft protection. More details are on the Equifax website:

[09/10/2017] The Canadian investigation is ongoing; based on current information, it is believed approximately 100,000 Canadians were affected. Those affected will be contacted directly by Equifax.

A statement and general FAQs are posted on the Equifax consumer website at
Canadians are advised not to use the American website as it is set up for social security numbers.

Check the Canadian Equifax website regularly for the most up-to-date information.

What you need to know about the Equifax data breach and steps you can take (09/11/2017) Expand/Collapse

As you may be aware, Equifax announced last week they had experienced a data breach affecting approximately 143 million Americans. The Canadian exposure is reported to be limited.

This breach was not against any bank or credit union, but against the credit reporting bureau. If you wish to check whether your data may be among those files that were compromised, you can check on the following website:

Alternatively, you can monitor the situation on a special Equifax web page for current information

If you wish, you can contact Equifax to discuss your concerns at 1-877-323-2598 or 1-866-828-5961. Please note that service may be affected by Hurricane Irma.

What to do if you believe your data has been hacked:

  • Monitor your existing credit card and bank accounts closely for unauthorized charges. Contact relevant financial institutions, such as banks that issued credit cards and stop cheques, as quickly as possible. Call local police along with Service Canada if your Social Insurance Number was used. Report confirmed cases to the Canadian Anti-Fraud Centre
    Toll Free 1-888-495-8501
  • Change all affected passwords with new, strong and unique passwords for each account;
  • Consider placing a credit freeze on your files. A credit freeze makes it harder for someone to open a new account in your name. It will not prevent a thief from using any of your existing accounts;
  • Consider enrolling in a fraud alert. Equifax says it will offer free identity theft protection and credit file monitoring for one year to all U.S. consumers, but doesn't say if that will be available to Canadians. The service monitors if your information is used to open credit accounts or appears on suspicious websites. Several identity theft and recovery companies provide similar services.

New Simplified Accounts Coming July 1 (06/01/2017) Expand/Collapse

We've been busy working to create a better experience for our members across Ontario. On July 1, 2017 we'll launch our new line-up of chequing and savings accounts. You'll find more of the transactions members have asked for, plus streamlined fees and pricing discounts for youth and seniors.

Effective July 1, 2017, many of the existing accounts will be changed to the new chequing or savings accounts. The transition will happen automatically on July 1.

You can view the features and benefits of the new accounts on the Chequing Accounts page or Savings Accounts page. Or download the Chequing and Savings Accounts menu. We mailed letters of notification on May 31 to all members whose accounts will be affected by this change. If you use online banking you can also view this letter in your e-Documents. Simply login to your online banking and view e-Documents from the link listed under the "My Accounts" menu.

What's Changing

Effective July 1st, accounts will be changed as follows:

Existing account Will become this account
Personal Chequing Account Simply Free Chequing Account
Student Account Plan
Privilege Chequing Account
Virtual Account Plan E-all Access Chequing Account
Gold Medal Chequing Account Simply Plus Chequing Account
Grand Chequing Account 100% Local Chequing Account
Free Mortgage Chequing Account Home Free Chequing
Merit Chequing Account
Plan 24 Savings Account Simply Everyday Savings Account

Special pricing for Seniors (59 plus) and Students (under 22)

As part of our simplification of accounts we now have discounts for our junior and senior members.  Discounts will be applied automatically based on the account holder's age - you don't need to do anything to earn the discount!

Grandfathered Accounts

The following accounts will no longer be available as new accounts effective July 1, 2017. 
  • Advantage 59 account: existing features and benefits will remain. 
  • Life Insured Savings account:  existing features and benefits will remain
  • FatCat child's account:  $1.00 per transaction; fees will be waived if the account holder is under age 19
  • HeadStart teen's account: $1.00 per transaction; fees will be waived if the account holder is under age 19

What's NOT Changing

Our new suite of accounts will offer convenience, flexibility and value with every account!  Some things won't be changing:
  • Your account number will not change
  • If you use cheques you will not need to replace them
  • If you have added nicknames to your accounts they will remain the same
  • Your automatic credits and debits will continue without interruption
  • The bill payees you have set up will not be affected
  • You can continue to use your existing debit card
  • Your online banking login will remain the same
  • The Combination Savings Account will remain the same
  • The High Interest Savings Account will remain the same
  • The account names of the Advantage 59 Account, Life Insured Savings, FatCat Account and HeadStart Account will not change.  These accounts will be discontinued for new accounts but existing accounts will be grandfathered for existing accountholders.

More information

We've done our best to place existing accounts into new accounts that offer similar features. If you'd prefer something else, let us know and we'll make it right after July 1. 

Download the menu of new chequing and savings accounts for side-by-side comparison.
Read more information about the new products on our Chequing Accounts page Savings Accounts page.

Member Satisfaction Survey (05/15/2017) Expand/Collapse

Yes, we are conducting an email survey with members who have applied for a lending product or recently become a member. If you receive an email request from YNCU rest assured it is coming from our Member Services department. We want to ensure we provide the best possible member experience for you, and we want your feedback. In this environment of heightened awareness about internet fraud and ransomware, we want you to feel completely comfortable that the request is authentic, that participating in this survey is safe, and that we will take action on any feedback you share. If you do have any questions or comments about the survey, please contact your branch or send us a message. Thanks for participating and helping to make the Neighbourhood even better!

Fairview Park Mall now open (05/06/2017) Expand/Collapse

Your Neighbourhood is getting bigger and better - and now you have even more choice for doing your banking!  We believe LOCAL MATTERS and that goes for banking too.  Come and see the difference at our newest branch at Fairview Park Mall, one of the Waterloo Region's busiest shopping locations! You'll find everything you'd expect from a bank ... plus a few you didn't.  Learn how we can meet your personal and business banking needs, chat with our mortgage and investment specialists. We've got branches across Southwestern Ontario, PLUS a network of surcharge-free ATMs across Canada. We're 55,000 members strong and growing!

Meet us at our new branch!  Learn more


All ATM and POS services now require CHIP (09/30/2016) Expand/Collapse

September 30, 2016

Please be advised that there will be an automatic decline for all transactions originating from a magnetic stripe at point-of-sale terminals in Canada beginning October 1st, 2016. With these changes, October 1st, 2016 will mark the day that in Canada, 100% of all transactions performed at Interac shared services (ATM and POS terminals) will be CHIP. YNCU members should not be impacted by this change as all of our MemberCards and MasterCards are equipped with chip-functionality. If your chip card is not functioning and you have been using your magnetic stripe for payments, please visit your local branch to obtain a replacement card.

Membership Share is now $5.00 (04/01/2016) Expand/Collapse

On April 1, 2016 YNCU merged with  Community First Credit Union (CFCU).  Prior to the merger, YNCU's membership share was $10.00 and CFCU's membership share was $5.00.  The new harmonized membership share is now $5.00 for all YNCU members.

On Tuesday, May 31, 2016 members were reimbursed funds over $5.00 that were  held in the Membership Share account.  The amount was deposited directly to your Dividend Account.  If you did not have a Dividend Account, a new one was created for you.  You may withdraw or transfer funds from the Dividend Account, but other transactions are not available.




Authentication changes (01/24/2016) Expand/Collapse

At Your Neighbourhood Credit Union we ensure the safety of your online banking by putting various layers of security in place to prevent unauthorized access to your accounts. 

How your identity is verified:

The layers of security you will be familiar with consist of verifying your identity, in the following ways:

Your Login Credentials – When you log in, your access credentials (user ID and password) are verified to ensure they match our systems record. If they don’t, you are unable to log in.

Your Device - We check the device you are using to log in – whether it’s your computer, mobile phone or tablet. If you’re using a new device and we don’t recognize it, we may ask you to answer your personal security question to help us verify that it’s truly you.

New simplified procedure effective January 24, 2016:

    1. From either the login portlet or the login page, you will enter your MemberCard Number AND your Personal Access Code (PAC).  Previously you would have entered each on a separate page.
    2. You will not be presented with the security image

      If you are using a memorized device, you will be logged in directly to Online Banking after entering your MemberCard Number and PAC.

      If you're not using a memorized device, you will be required to answer your security question before being logged in to Online Banking.

      Should you have any questions or concerns about access to your online banking, please contact us.


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