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Banking built differently for Ontario businesses

More commercial loan approval rates than big banks. Proven support for local companies. Transparent rates, no unfair fees, and zero drag.

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  • 65K+Members in Ontario
  • $3.5BIn assets
  • 75+Years of banking

Your all-in-one for business banking

Power your business with YNCU. From flexible accounts and custom financing to smart digital tools and automated payments, we give you everything you need to save time and money. Open a business account today.

  • Spend

    YNCU optimizes your daily business spending with flexible chequing plans and cash-back credit cards—saving you time and money. 

    Explore Chequing

  • Save

    Let us make your cash reserves work harder with tiered high-yield business savings accounts that maximize your returns and protects your hard earned cash.

    Explore Savings accounts

  • Borrow

    Supported by a local team that knows your market, accelerate your growth with flexible commercial financing and tailored business loans. 

    Explore borrowing options

  • Invest

    Guaranteed-return term deposits and flexible business wealth solutions to grow your money, supported by a local advisory team you can actually call.

    Explore daily banking

Merchant processing and payroll solutions

As a YNCU member, you'll enjoy exclusive discounts1 on popular business solutions like Clover for payment processing and Wagepoint for payroll. 

Stripe

Merchant services

Powered by Clover, manage everyday operations with integrated merchant processing and payroll solutions. Reduce manual work, save time, and focus on delivering a great experience for your customers.

Explore merchant services
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Payroll solutions

As a YNCU member, you get exclusive savings on Wagepoint—the easy-to-use payroll platform. Automate payroll and simplify payroll remittances with a solution designed for Canadian businesses.

Explore payroll solutions

Business loan approvals based on the big picture not the fine print

Focus on relationships not algorithms

You're more than a credit score. While many banks make decisions based on algorithms and financial ratios, YNCU takes a relationship-first approach—considering your business's history, potential, and the people behind it.

Local market knowledge

We know the market you're building in. When you're opening a second location or launching a new business, our team understands local conditions, and see opportunities standard lending models miss.

Banking that knows what you need before you have to ask.

YNCU is investing in digital experiences that will go beyond transactions to anticipate your needs, protect your finances, and deliver personalized experiences to make managing your money easier than ever.

Eye

See your money

You can check balances, account activity, payments and more online. Soon we'll add predictive intelligence and insights.

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Move it easily

Manage bills, e-Transfers, and recurring payments without fuss. Even move money from an outside bank account in a few taps.

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Deposit anywhere

Just a few taps: Skip the trip to the branch with mobile cheque deposit—unless you're in the mood for a friendly face.

A responsible banking partner for business.

Member-owned. B Corp certified. Ethically driven. We care for those who care for others.

Trusted across Ontario

65,000+ members

Choose YNCU for secure, locally-focused everyday banking. Our community-first model is built on over 75 years of financial strength with branches all across Ontario.

Ethical banking

B Corp certified

Our B Corp status reflects strong governance, financial transparency, and trusted relationships with our members, communities, and employees.

Sharing is caring

No stockholders

With no outside shareholders, our focus is helping you reach your financial goals. Members share in our success through better rates and lower fees.

Designed for security and convenience

YNCU’s digital experience is powered by trusted technology partners and built with security, privacy, and reliability at its core—so your financial information is protected while you get the convenience of next generation banking at your fingertips.

Open your YNCU business account

Thousands of businesses trust YNCU with their savings, borrowing, investing, and commercial banking solutions, from tap to more.

Start an accountBook a chat