
Accounts
Chequing and savings accounts that meet all your needs (how banking should be).
From keeping track of your day to day transactions to saving for tomorrow, there's a YNCU account that'll help you hit your goals. We keep our accounts straightforward so you know exactly what you're getting without any hidden fees or 5-dollar words. Refreshing, right?
Chequing Accounts
Features and Benefits
- No monthly service fees
- 12 free self-service debit transactions
- Basic package with easy-to-understand, pay as you go pricing
- Debit Card Buyer Protection and Extended Warranty included with your MemberCard
Core Features and Benefits
Monthly Fee | Free |
Number of Debit Transactions | 12 Free Self-serve Transactions |
Charge for Additional Transactions | $1.00 |
Minimum Balance to Waive Fee | N/A |
Account Extras
Interac e-Transfers | $1.25 |
ATM Withdrawals at another Financial Institution | Ding Free at an Exchange Network ATM $1.50 In Canada at a non-Exchange Network ATM $3.00 Outside Canada |
Cheques orders | At current pricing |
Discounted Student and Senior Monthly Fee | N/A |
Statement | Free On-line / $2.00 printed |
Features and Benefits
- Low monthly service fees, including a discount for Seniors and Students
- Unlimited Interac e-Transfers
- Unlimited self-serve transactions, including Point of Sale (POS)
- Debit Card Buyer Protection and Extended Warranty
Core Features and Benefits
Monthly Fee | $6.95 |
Number of Debit Transactions | Unlimited Self-serve Transactions |
In-branch Transactions | $1.00 |
Minimum Balance to Waive Fee | N/A |
Account Extras
Interac e-Transfers | Unlimited |
ATM Withdrawals at another Financial Institution | Ding Free at an Exchange Network ATM $1.50 In Canada at a non-Exchange Network ATM $3.00 Outside Canada |
Cheques | At current market pricing |
Discounted Student and Senior Monthly Fee | $4.95 |
Debit Card Protection | Buyer Protection and Extended Warranty |
Statement | Free On-line / $2.00 printed |
Features and Benefits
- 50 transactions included per month that can be used both in-branch and online
- Discounted pricing for Seniors and Students
- Unlimited Interac e-Transfers
- Monthly fee waiver if a $3000 monthly balance is maintained
- Debit Card Buyer Protection and Extended Warranty
Core Features and Benefits
Monthly Fee | $11.95 |
Number of Debit Transactions | 50 Free transactions monthly |
Charge for Additional Transactions | $1.00 |
Minimum Balance to Waive Fee | $3,000 |
Account Extras
Interac e-Transfers | Unlimited |
ATM Withdrawals at another Financial Institution | Ding Free at an Exchange Network ATM $1.50 In Canada at a non-Exchange Network ATM $3.00 Outside Canada |
Cheques | At current market pricing |
Discounted Student and Senior Monthly Fee | $6.95 |
Debit Card Protection | Buyer Protection and Extended Warranty |
Statement | Free On-line / $2.00 printed |
Features and Benefits
- Unlimited in-branch and online transactions
- Unlimited Interac e-Transfers
- Discounted pricing for Seniors and Students
- Monthly fee waiver if a $5000 monthly balance is maintained
- Community contribution to a 100% local cause
- Debit Card Buyer Protection and Extended Warranty
Core Features and Benefits
Monthly Fee | $16.95 |
Number of Debit Transactions | Unlimited In-branch and On-line transactions |
Minimum Balance to Waive Fee | $5,000 |
Account Extras
Interac e-Transfers | Unlimited |
ATM Withdrawals at another Financial Institution | Ding Free at an Exchange Network ATM $1.50 In Canada at a non-Exchange Network ATM $3.00 Outside Canada |
Discounted Student and Senior Monthly Fee | $8.95 |
Debit Card Protection | Buyer Protection and Extended Warranty |
Statement | Free On-line / $2.00 printed |
Features and Benefits
- Debit Card Buyer Protection and Extended Warranty
- Unlimited in-branch and self-serve transactions
- Free for Members with a YNCU mortgage
Core Features and Benefits
Monthly Fee | $16.95 - FREE with a YNCU mortgage |
Number of Debit Transactions | Unlimited Free monthly transactions |
Account Extras
Interac e-Transfers | $1.25 |
ATM Withdrawals at another Financial Institution | Ding Free at an Exchange Network ATM $1.50 In Canada at a non-Exchange Network ATM $3.00 Outside Canada |
Debit Card Protection | Buyer Protection and Extended Warranty |
Statement | Free On-line / $2.00 printed |
Features and Benefits
- No minimum deposit required
- Earn interest in U.S. dollars
- Flexibility to withdraw at any time (2 free monthly withdrawals)
Core Features and Benefits
Monthly Fee | Pay as you go |
Number of Debit Transactions | 2 free per month |
Charge for Additional Transactions | $1.00 |
Account Extras
Cheques | At current market pricing |
Statement | Free On-line / $2.00 printed |
Interest | Paid monthly, calculated on daily closing balance |
Savings Accounts
When it's time to save, we've got you covered. Whatever you're saving for, find an account that'll help you get there - from flexible, short-term savings to longer term investments that yield high rates, there's an account for you.
Features and Benefits
- Transaction fees waived for members 18 and younger (except Interac & Cirrus ATM transactions)
- Easy to understand, pay for use pricing
- Helps you save for current/immediate needs
Monthly Fee | Pay as you go |
Number of Transactions | Unlimited deposits and online transfers between YNCU accounts |
Charge for Additional Transactions | $1.00 |
Account Extras
Interac e-Transfers | $1.25 |
ATM Withdrawals at another Financial Institution | Ding Free at an Exchange Network ATM $1.50 In Canada at a non-Exchange Network ATM $3.00 Outside Canada |
Discounted Student Fee | Free for youth members up to age 18 |
Interest | Paid monthly, at posted rate |
Features and Benefits
- One free debit transaction, transfer, or withdrawal per month
- Easy to understand, pay for use pricing
- $5000 minimum monthly balance to receive best rate
Monthly Fee | Pay as you go |
Number of Transactions | Unlimited deposits and one free Debit transaction per month |
Charge for Additional Transactions | $2.00 |
Account Extras
Interac e-Transfers | $2.00 |
ATM Withdrawals at another Financial Institution | Ding Free at an Exchange Network ATM $1.50 In Canada at a non-Exchange Network ATM $3.00 Outside Canada |
Discounted Student Fee and Senior Monthly Fee | N/A |
Interest | Paid monthly, at posted rate. Higher interest rate on deposit balance over $5,000 |
Features and Benefits
- Minimum deposit of $5000
- Guaranteed special rate of return
- Product opens for deposits every 3 months - January, April, July and October
- Easy to understand, pay for use pricing
Monthly Fee | Pay as you go |
Number of Transactions | Unlimited deposits and one free Debit transaction per month |
Charge for Additional Transactions | $2.00 |
Account Extras
Interac e-Transfers | N/A |
ATM Withdrawals at another Financial Institution | N/A |
Discounted Student Fee and Senior Monthly Fee | N/A |
Interest | Paid monthly, at posted rate. Higher interest rate on deposit balance over $5,000 |
Features and Benefits
- No minimum deposit required
- Earn interest in U.S. dollars
- Flexibility to withdraw at any time (2 free monthly withdrawals)
Core Features and Benefits
Monthly Fee | Pay as you go |
Number of Debit Transactions | 2 free per month |
Charge for Additional Transactions | $1.00 |
Account Extras
Cheques | At current market pricing |
Statement | Free On-line / $2.00 printed |
Interest | Paid monthly, calculated on daily closing balance |
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Chequing Accounts List (PDF - 43.35 KB)
Download our menu of simplified chequing accounts. Standard service fees apply to transactions not listed in the menu. -
Savings Accounts List (PDF - 37.01 KB)
Download our menu of simplified savings accounts. Standard service fees apply to transactions not listed in the menu. -
Standard Service Fees (PDF - 55.25 KB)
Click here for additional information on Standard Service Fees.
Overdraft Protection
At YNCU, overdraft protection is a convenient service that guarantees a specific amount of credit to cover your account between paydays. Your cheques, withdrawals, pre-authorized payments, and direct payment purchases are honoured up to your predetermined overdraft limit.
- Overdraft protection is available on most personal chequing accounts. Protection limits are available from $500 to $2,500;
- A 5.00 monthly fee is applied to the account in months that the credit limit is being used;
- Interest is calculated on the daily outstanding balance and applied to the account at month end;
- There is no fee or interest cost for this protection service if the limit is not being used;
- Every 90 days the account must be brought into a positive balance.
Overdraft Protection Service is a valuable program that helps you manage your cash flow. It covers you up to your approved credit limit, when sufficient funds aren’t available in your account to complete a transaction.
Rate
21%
Term
Reviewed annually
*Contact your branch for information regarding special features, repayment, eligibility, lending criteria, securitization, and loan protection.