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GET SOME REAL ADVICE

Welcome to the YNCU online resource centre.

Click any of the links below to browse our online resources. You'll find information on our products and services, fun activities for the kids, and helpful tips developed by our specialists!

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Brochures

Our library offers all the brochures typically found in-branch, ready to read, right at your fingertips. 

 
Welcome to YNCU Discover a better way to bank that puts you first and grows your money locally.
YNCU Products and Services All the financial products & services you need. No assembly required.
Get Started in the Right Direction Our youth and young adult offerings wil set you up for financial success. 
 
Choose a Partnership That Works for You If you believe in local business, it’s time to start banking like it.
YNCU Business Banking Accounts Choose a partnership that works for you. You run your business. Count on us to take care of the rest.
Agriculture Banking Services You can count on our experienced agricultural lenders who understand that farming is not just a way of life, it’s your business.
Collabria Business VISA Suite From reward points on your business purchases to valuable insurance benefits, we have a card to fit your business.
VISA Infinite Business Generous benefits and exceptional services make this card the most convenient way to handle your business expenses.
VISA Low Rate Business Keep costs down while streamlining expense reporting to help make budgeting easier.
No Fee Cashback VISA The smart way to make the most of your company's purchases. Earn cash back for the purchases your business regularly makes.

 

 
The Keys to Home Buying Filled with helpful advice, useful checklists and budgets, and so much more!

Maybe It's Time For a Mortgage

 Buying a home is a big decision. So is choosing the right mortgage.

Understanding Mortgages

Understand the decisions you need to make before you buy, and the options you should consider for how to pay for your home.
Reverse Mortgage FAQs Find out everything you need to know about reverse mortgages.
A Guide to the CHIP Reverse Mortgage Learn about the benefits of a reverse mortgage.
Myths About Reverse Mortgages Learn why reverse mortgages have evolved to become a vital component of retirement plans.

 

 
Collabria Mastercard® Suite From cash back on your everyday purchases to valuable travel insurance benefits, we have a card to fit your life.

Cash Back Mastercard®

 It doesn't matter if you're buying groceries or gas, or dining out with friends. It all adds up to valuable cash back that can be redeemed as an account credit.
Classic Mastercard® For simple use and savings with no annual fee and a low interest rate. The only decision you’ll need to make is what to buy.
Concentra Gold Mastercard® A perfect balance of premium rewards and low rates.
US Dollar Mastercard® For the frequent US traveller or shopper, enjoy no foreign transaction fees for US purchases.
World Mastercard® Enjoy a wide world of privileges by unlocking premium-level experiences designed to bring valuable rewards on your purchases or travel.

 

 
Get a Little Wealthier Finally, a holistic financial planning platform that’s built around you.
Class A Shares Information on eligibility, frequently asked questions, and more benefits.
Understanding RRSPs What is an RRSP and what can it do for you.
Understanding TFSAs What is a TFSA and what can it do for you.
Comparing RRSPs and TFSAs Where should you place your money? Let's look at your two savings options
Financial Services Regulatory Authority of Ontario (FSRA) Your deposits are safely insured with FSRA.

 

 
Financial Fitness: Budgeting Basics Learn how to keep track of your expenses and build a budget.
Financial Fitness: The Credit Book Learn to make well-informed decisions and use credit wisely.
Student Budget Tracker Our budget tracker is a great tool to keep track of your finances!
Household Budget Tracker Monitor your spending and work towards your financial goals with this budget tracker.
Financial Goals Worksheet Having goals is an important step to becoming financially healthy. Use this worksheet to put your goals on paper - the best way to ensure you stick to them!
Be Fraud Smart

Anyone can be a victim of financial fraud. Protect yourself and your family by being aware and proactive.
Fraud Awareness Tips Fraud attempts are on the rise and YNCU has some tips help keep you safe!
 

Free Downloadable Learning Activities

YNCU is excited to provide our members and our local communities with fun, free educational activites to do at home! Get creative and learn the value of money, the importance of saving, and other great lessons through activities we have created just for you.

 
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Counting Coins

Do you know the values of our coins? Help uscount how much moneywe have with this funactivity sheet!

 

 
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Math Activity

Practice adding andsubtracting your dollar values with ourmath activity sheet!

 

 
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Design-A-Bill

Get your creative haton and design your own dollar bill withour custom template!

 

 
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Word Fit Puzzle

Can you figure outhow these words fit together tocomplete the puzzle?

 

 
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Colour By Number

Find the sum of each item then use thecolour guide tocomplete the picture!

 

 
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I-Spy Colouring Game

I-Spy with my little eye... Can you find all the items?

 

 

Smart Online User Tips

Check out some tips on how to be a smarter online YNCU user!

   Available on Website & Online Banking

 Available on Mobile App

 

 
 
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Mobile Alerts

Protect yourself from digital fraud by choosing when and how you receive real-time alerts. Choose to be notified by text and/or email when someone logs in to your account, changes your banking password, adds an email money transfer recipient or bill payee, when you get locked out of online or mobile banking, and more.

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Mobile App

Tap into your banking from anywhere at any time with our extremely easy-to-use, award-winning mobile banking app. Pay bills, transfer money, send an Interac e-Transfer, deposit a cheque, and much more - all from your mobile phone. Our popular QuickView feature allows you to view your account balances with a tap and a swipe. Available for both Apple and Android devices.

 
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Deposit Anywhere

Deposit cheques in a snap! With Deposit Anywhere, you can quickly and securely deposit cheques with your smartphone or tablet, from anywhere, day or night. With Deposit Anywhere, turning your cheque into available funds doesn’t require finding the time to visit a branch or an ATM.

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E-Documents

View your electronic financial documents easily and securely within our Online Banking site. Simply log in to your Online Banking and select ‘View e-Documents’ – from there you have the ability to save, view, and print T4RSPs, T4RIFs, NR4s, T5s, and OCRs, as well as Mortgage and Term Renewal notices. We continue to make additional documents available through this feature so watch this list grow with time.

 
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E-Statements

Save paper and storage space by accessing your official monthly banking statements in our secure Online Banking environment any time you need to. Simply log in to your Online Banking and select ‘View e-Statements’.

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E-Transfers

e-Transfers are a fast and convenient way to send and receive money between people or businesses without needing to share your banking information. All that’s needed to deposit an e-Transfer is an email address or mobile phone number and a bank account with a Canadian financial institution (like YNCU) that supports e-Transfers.

 
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Bill Payments

Be sure your bills are always paid on time, worry-free! Pay your bills immediately or set up daily, weekly, bi-weekly, semi-monthly, monthly, month-end or annual bill payments and eliminate late fees!

 
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Scheduled Transfers

Set up a one-time or recurring transfer to a savings account, line of credit, RRSP, or TFSA to coincide with your pay day. Pay yourself like you’re paying a bill and you’ll find saving is easy. Your future self will thank you.

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Nickname Accounts

​If you have multiple accounts set up for specific purposes, it can get confusing. Naming them something that’s meaningful to you will help keep them straight. Names like “Vacation Fund” or “Mortgage Down Payment” will help you direct your money into the right places.

 
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Tools and Calculators

Take the stress out of calculations by having us do the work for you. Use our handy online tools to calculate mortgage and loan payments, mortgage affordability, or even to plan for retirement. Visit the ‘Tools & Calculators’ section of our website for more resources on how to better manage your money.

 
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Open a New Account

Open a new chequing or savings account online in seconds! No need to visit the branch, just log in to Online Banking, click on ‘Account Services’, then ‘Open a New Account’, and select one of our available accounts - it’s really that easy.

 
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Find a Branch or ATM

Find the nearest branch or surcharge-free ATM. Did you know that credit unions are part of the Exchange Network and have nationwide access to over 4,100 surcharge-free ATMs? Just use your current location on the mobile app or input an address on our website.

 
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Interac Online

Interac Online is a secure and easy way to use your debit accounts with us to pay for your purchases when you shop online. With Interac Online, your payments are processed using our secure Online Banking, which you already use and trust. Interac Online makes shopping convenient, easy, and secure, and you can complete your purchases online in just a few clicks.

 
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​Small Business Online

If you own a small business, time is probably one of your most valuable commodities. No matter what you do, you never seem to have enough of it. We can help. Upgrade – at no cost – to Small Business Online Banking and take advantage of account consolidation, multi-user and dual signature support. Discover online banking the way it was meant to be – smart, simple, and seamless!

 
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Account Plus

Account Plus gives you the ability to quickly and easily view your Credential® investment accounts when you log into Online Banking. If you have investments with Credential Asset Management, Credential Securities, or Credential Direct you are able to connect them to your Online Banking for convenient, any time viewing. This provides you with a complete consolidated view of your YNCU and Credential investment accounts all in one place.

 
 
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2022 Your Neighbourhood Credit Union Limited. All rights reserved.
 Your Neighbourhood Credit Union (YNCU) is a licensed credit union operating in, and under the laws of, the province of Ontario. Eligible deposits in registered accounts have unlimited coverage through the Financial Services Regulatory Authority (FSRA). Eligible deposits (not in registered accounts) are insured up to $250,000 through the Financial Services Regulatory Authority (FSRA) .

 
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