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Your New Digital Banking Experience is Almost Here

Get Ready for October 6th 

On October 6, 2026, YNCU members will transition to an enhanced digital banking experience featuring updated online banking and a brand-new mobile banking app. Designed with simplicity and convenience in mind, the new experience offers a refreshed look and feel, improved navigation, and a more intuitive way to manage your everyday banking.

A little more time to get ready: We’ve adjusted our digital banking launch date from September 14 to October 6 to allow additional time to put the final pieces in place and ensure we’re ready to deliver the best possible experience for our members. Before launch, there are three important things you need to do to make sure you're ready to access your new digital banking experience for the first time. 

3 Things to Do Before October 6th  

1. Know your member number 

You'll need your YNCU member number when you access the new online banking experience for the first time. 
During first-time setup, you'll be prompted to create a new username and password, which you'll use to access online banking going forward. 

If you normally use Face ID or another biometric login and don't regularly enter your member number, take a moment now to make sure you know it. 

Don't know your member number? Visit your local YNCU branch or contact our Service Excellence Centre at 1-888-413-9628 (YNCU) before October 6th. 

2. Know your current Personal Access Code (PAC) 

You'll need your current PAC, along with your member number, to begin the first-time setup process. 
Once you've completed setup and created your new username and password, you'll use those new credentials to access online banking going forward. 

If you normally use Face ID or another biometric login and don't regularly enter your PAC, make sure you know it before October 6th.  

Don't know your PAC? Visit your local YNCU branch or contact our Service Excellence Centre at 1-888-413-9628 (YNCU) before launch. 

3. Make sure your contact information is up to date 

As part of first-time setup, we'll send a one-time verification code to the primary email address or mobile phone number we have on file. 

If your contact information isn't current, you may not be able to complete your setup.
 
Not sure what information we have on file? Visit your local branch or contact our Service Excellence Centre at 1-888-413-9628 (YNCU). 

What to Expect on October 6th  

When you access the new digital banking experience for the first time, you'll use your member number and current PAC to begin the setup process. 

You'll then be guided through the first-time login process, including creating your new username and password and verifying your identity using the contact information we have on file. 

We'll provide step-by-step instructions to help guide you through the process. 

Using online banking? 

You'll continue to access online banking through yncu.com. 

Using mobile banking? 

You'll need to download the brand-new YNCU Mobile Banking app from the Apple App Store or Google Play Store beginning October 6th. Your current YNCU mobile banking app will no longer work after the transition. 

What's Changing?

Beginning October 6th, YNCU members will enjoy: 
  • An enhanced online banking experience  
  • A brand-new mobile banking app  
  • A more modern, intuitive interface  
  • Improved navigation and usability  
  • A new first-time login and setup process  
  • The same trusted banking services you use today  

What Isn't Changing?

  • Your accounts remain the same — only your digital banking experience is changing.  
  • Your banking relationship with YNCU remains the same.  
  • yncu.com remains your primary access point for online banking.  
  • Your existing bill payees and Interac e-Transfer recipients will transfer to your new digital banking experience.  
  • Your everyday banking services continue.  

What Else Do I Need to Know? 

As October 6th approaches, we'll continue updating this page with important transition information, including: 
  • Step-by-step first-time login instructions  
  • Links to download the new mobile banking app  
  • Any anticipated service interruptions  
  • Answers to frequently asked questions  
 
Check back regularly as we get closer to October 6th.

Beginning October 6, YNCU members will enjoy an enhanced digital banking experience, including an updated online banking platform and a brand-new mobile banking app. The new experience features a refreshed design, improved navigation and a more modern interface while continuing to provide the banking services you use every day. 

Yes. You'll continue accessing online banking through yncu.com. 

If you've bookmarked the current online banking login page, we recommend updating your bookmark after October 6. Otherwise, simply visit yncu.com to access online banking. 
Yes. 

Beginning October 6, you'll need to download the new YNCU Mobile Banking app from the Apple App Store or Google Play Store. 

The current app will no longer be supported after the transition. 
Yes. We'll provide step-by-step instructions before launch explaining exactly how to access the new digital banking experience, including everything you'll need to sign in for the first time. 
When you sign in to the new digital banking platform for the first time, we'll send a one-time verification code to the primary email address or mobile phone number we have on file. 

If your contact information isn't current, you may not be able to complete setup. 

To update your information, visit your local branch or contact our Service Excellence Centre at 1-888-413-9628 (YNCU) before October 6. 
You'll need either a current primary email address or mobile phone number on your account to complete first-time setup. 

If you're unsure what contact information we have on file, please visit your branch or contact our Service Excellence Centre before launch. 
No. Legacy Comtech Fire members will transition to the new digital banking experience during the banking system integration scheduled for November 6–9, 2026. Separate communications will be shared ahead of that transition at comtechfirecu.com.  
Business and commercial account holders will transition to the new digital banking experience just like personal members. 

Delegates will not transfer to the new platform and will need to be set up again after launch. We'll provide guidance to business and commercial members before the transition to help make this process as simple as possible. 
No. Pending transactions will not transfer over to the new digital banking platform. 

If you have transactions that are still pending at the time of the transition, they will need to be recreated after launch if they have not already been processed. We'll share additional information and reminders as we get closer to the transition. 
 
 

2026 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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