Buyer Protection & Extended Warranty

You're protected every time you use your Member Card® Debit Card to make a purchase against lost, theft, damage or breakage for a full 90 days after the purchase. You will also enjoy the security of an Extended Warranty, which can double the manufacturer's warranty up to two years longer. And best of all, there are no forms to fill out, no applications, and no extra cost!

How does the Program Work? Expand/Collapse

It’s simple. Every time you use the Member Card Debit Card for an Interac® Direct Payment purchase, you are protected with the following benefits:

Buyer Protection

This coverage offers protection on the purchase of most retail items for a full 90 days after the purchase, if the item is stolen, dropped and broken, or even consumed in a fire. Valid claims will be satisfied either by replacing the lost or damaged item, or by a cash payment in an amount not to exceed the amount of the total purchase price.

Extended Warranty

The program doubles the warranty period of a purchased item up to two entire year,s as long as the manufacturer’s warranty is valid in Canada for five years or less.

Chequing Accounts Expand/Collapse

If you’re shopping at a merchant who doesn’t offer Interac Direct Payment, you can make a purchase using a cheque drawn on your insured YNCU account, and receive the same protection for your purchase.

What’s NOT Covered? Expand/Collapse

Items not covered include: cash, travellers cheques, motorized vehicles, animals, and living plants. More information regarding coverage plans is available at our branches.

Making a Claim

1-877-564-2847 ext. 6895

Be sure to keep a copy of your transaction record, the merchant bill, and (for warranty claims) the manufacturer’s warranty. Then call the number above, and a Claims Representative will assist you.


®MEMBER CARD is a registered trade-mark owned by Canadian Credit Union Association, used under license.

® INTERAC is a trade-mark of Interac Inc., used under license.


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