Chequing Accounts

New Simplified Chequing Accounts

Choosing a chequing account that is just right for you should be simple. On July 1, 2017, we launched new simple, flexible solutions with you in mind!

Looking for an account that’s a fit right where you are in life?  Use these tools to help find the account solution for you:

  • Use our Account Comparison tool to compare your options side-by-side.
  • Our Product Recommender tool will suggest the best account for you based on your answers to a few simple prompts.

Simply Free Chequing Account Expand/Collapse

Want the flexibility and convenience of self-serve banking but only perform a few basic transactions a month? The Simply Free Chequing Account supports your basic daily banking needs with no monthly service fees.

Features and Benefits

  • No monthly service fees
  • 10 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 10 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

E-All Access Chequing Account Expand/Collapse

Do you prefer to do the majority of your banking online and on your own time? Do you use your debit card and send e-mail money transfers often? The E-All Access Chequing Account allows you to manage your accounts online with 24/7 accessibility and flexibility. Take advantage of a self-service chequing account with low monthly fees and perks specifically catered to those who like to do their everyday banking anywhere, anytime and rarely visit a branch.

Features and Benefits

  • Low monthly service fees, including a discount for Seniors and Students
  • 5 Free Interac E-Transfers per month
  • 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 5 free (Additional $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 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

Simply Plus Chequing Account Expand/Collapse

Want a budget-friendly chequing account that offers flexible transaction amounts both in-branch and online? Maintain a monthly balance of $3000 and want a discount on service fees? The Simply Plus Chequing Account has features for doing your banking both in-branch and online, and offers a monthly service fee waiver for maintaining a $3000 balance.

Features and Benefits

  • 50 transactions included per month that can be used both in-branch and online
  • Discounted pricing for Seniors and Students
  • 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 $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 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

100% Local Chequing Account Expand/Collapse

Want a full-service deluxe package chequing account that also gives back to your local community? The 100% Local Package offers members the ultimate in flexibility, including a minimum balance fee waiver. This Account also gives back to the local community, with 1% of monthly fees collected benefiting an important, 100% local cause.

Features and Benefits

  • Unlimited in-branch and online transactions
  • Unlimited Email Money 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
Cheques Free basic order
Discounted Student and Senior Monthly Fee $8.95
Debit Card Protection Buyer Protection and Extended Warranty
Statement Free On-line / $2.00 printed

Home Free Chequing Account Expand/Collapse

To thank you for making one of the most monumental purchases of your life with us by your side, we want to provide you with an exclusive member benefit. Our Home Free Chequing Account is a deluxe package valued at $16.95 per month, offered for free to our members who have a mortgage with us.

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
Cheques Free basic order
Debit Card Protection Buyer Protection and Extended Warranty
Statement Free On-line / $2.00 printed

US Hybrid Chequing and Savings Expand/Collapse

Avoid the ups and downs of the U.S. currency exchange rates with the U.S. Hybrid Chequing & Savings Account. This account will help you avoid converting U.S. currency to Canadian and back again. This account gives you the ability to write cheques, build savings, and earn interest in U.S. currency.

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
  • Chequing and Savings Accounts menu (PDF - 230.58 KB)

    Download our menu of simplified chequing and savings accounts.  Standard service fees apply to transactions not listed in the menu.
  • Standard Service Fees (PDF - 373.14 KB)

    Itemized standard services fees not included in chequing or savings account plans.
 

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