Online Banking

Extended PAC

We are continuing to enhance our online banking security to ensure the highest level of security for our members. In addition to our existing safeguards, including encryption and security questions, we are introducing an extended Personal Access Code (PAC) for the Your Neighbourhood Credit Union online banking users.  

Click here to learn more about Extended PAC Expand/Collapse

When you first login to online banking, you will be prompted to change your current PAC to your new Extended PAC. 

When you set your Extended PAC, you must comply within the following parameters:

  • Minimum of 10 characters
  • Maximum of 30 characters
  • Must contain 1 upper case character
  • Must contain 1 lower case character
  • Must contain 1 numeric character
  • Must contain 1 special character. Supported special characters include:
Special Characters  Comments 
! Exclamation Mark
@ At Sign
# Number Sign
$ Dollar Sign
( Left Round Bracket/Left Parentheses
) Right Round Bracket/Right Parentheses
- Hyphen
\ Backslash
/ Slash
| Vertical Bar/Pipe
? Question Mark
, Comma
. Period
: Colon
' Apostrophe/Single Quote

Please note: The last 5 passwords you've used cannot be used again.

The Extended PAC will impact all devices currently used to access online banking (desktop/laptop computer, mobile platform and YNCU app). Extended PAC will not impact telephone banking, which will retain your existing PIN.

If you have any questions or require assistance setting up your extended PAC please contact the Service Excellence Centre at 1-866-635-6917 or visit your local branch.

For general security tips for online banking, please click here.

Additional Information for MemberDirect Small Business Users

The delegate cannot successfully login until the business owner/signer has logged in first and updated to the new, Enhanced PAC.

If the delegate signs in before the business owner, they will receive an inactive status and not be able to login. Delegates with an inactive status will need to reach out to the business owner to restore their access.

To move the 'inactive' delegate status to 'active', the business owner will need to complete the following steps:

1. The Business Owner will login and update to the new Enhanced PAC
2. In Online Banking, go to Business Services – Add/Modify Delegates
3. Select “Edit” next to the Delegates you need to update
4. Change the Delegates status from Inactive to Active


Online Banking is an easy and secure way to conduct a wide range of transactions on YOUR schedule! There are no set up fees, no access charges and no 'business hours' - Online Banking is available 24/7.

  • Account summary lists all your accounts and their balance, scheduled bill payments and scheduled transfers

  • View your monthly e-statements

  • Pay bills, schedule recurring payments, pay business taxes; pay more than one bill with a single click

  • Transfer funds from one of your accounts to another, or to another member, immediately, scheduled for a future date or schedule on a recurring basis

  • Send money INTERAC® e-Transfer (learn more about email money transfer)
  • Open new accounts, stop cheques, manage your mobile banking alerts and notify us when you're travelling so you'll be sure to have access to your funds when you're away (learn more about travelling with your debit card)

How much does it cost?

There is no access fee for Online Banking but transactional fees may apply depending on your account type.

How do I get started?

You'll need a MemberCard and Personal Access Code (PAC).  If you don't already have these, you can visit one of our branches to register for Online Banking.


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