Service Notices

All ATM and POS services now require CHIP 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 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 effective January 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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