Your new digital banking experience is now live

Yes. Our enhanced online banking experience and brand-new YNCU Mobile Banking app are now available.

You can access online banking through yncu.com or download the new YNCU Mobile Banking app from the Apple App Store or Google Play Store.

No. Our previous online banking experience and YNCU Mobile Banking app are no longer available.

You can access your new online banking experience through yncu.com. If you use mobile banking, you'll need to download the brand-new YNCU Mobile Banking app separately, as your previous app will not automatically update.

To complete your first-time setup, you'll need:

• Your YNCU member number.
• Your current Personal Access Code (PAC).
• Access to the primary email address or mobile phone number we have on file.

You'll use these to verify your identity and create your new login credentials.

You'll use your YNCU member number and current Personal Access Code (PAC) to begin the setup process.

You'll then be prompted to verify your identity and create a new username and password. These will become the credentials you use to access online and mobile banking going forward.

Yes. You can choose to use your member number as your new username, provided it meets the username requirements presented during setup.

You can also choose a different username. You'll be guided through the requirements during first-time setup.

You'll need your member number and current PAC to complete your first-time setup.

Visit your local YNCU branch or contact our Service Excellence Centre's dedicated digital banking support line at 1-866-942-2328 for assistance.

If you previously used biometric login, you may not regularly have entered your member number and PAC.

You'll need both to complete your first-time setup in the new digital banking experience. Once you've successfully logged in, you can set up biometric login again on compatible devices in the new mobile app.

Yes. Biometric login is available in the new YNCU Mobile Banking app.

Because this is a brand-new app, you'll need to complete your first-time setup using your member number and current PAC. Once you've successfully logged in, you'll be able to set up biometric login again on compatible devices.

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.

Your contact information needs to be current so you can receive the code and complete your setup.

You'll need a current email address or mobile phone number on file to receive the verification code and complete your first-time setup.

Visit your local YNCU branch or contact our Service Excellence Centre's dedicated digital banking support line at 1-866-942-2328 for assistance.

Linked investment accounts from your previous digital banking experience did not transfer automatically and will need to be linked again.

Once you've completed your first-time setup, go to Accounts and select the Investments tab. Follow the prompts to link your investment accounts again.

No. Legacy Comtech Fire Credit Union members are not part of the October 27th digital banking launch.

Their transition to YNCU's banking system and digital banking experience is scheduled for November 6–9, 2026, as part of the separate Comtech Fire integration.

Legacy Comtech Fire members will receive separate information and instructions about their transition.

Business and commercial members follow the same first-time setup process as personal members. However, there are some additional changes involving delegates, pending transactions and access to multiple banking profiles.

No. Existing delegates did not transfer automatically to the new digital banking experience.

Once you've completed your first-time setup, you'll need to set up your delegates again.

Business transactions that were still awaiting approval at the time of transition did not transfer to the new digital banking experience.

If you had payments awaiting approval, you'll need to recreate them in the new platform.

Yes. Future-dated and scheduled business payments that were fully approved before the transition transferred to the new digital banking experience, except for payments associated with the Corporation Tax (RC159/RC160) payee (further information below).

Payments that were still awaiting approval did not transfer and will need to be recreated.

If you have both personal and business banking, you can still access each profile separately.

The Corporation Tax (RC159/RC160) payee from our previous online banking experience did not transfer to the new platform.

You'll need to add the CRA GST/HST payee that corresponds with the payment you're making:

• CRA GST/HST – Payment On Filing (RC158)
• CRA GST/HST – Amount Owing (RC159)
• CRA GST/HST – Interim (RC160)

When adding the new payee, you'll be asked to enter your Business Number (BN).

If you previously had future-dated or recurring payments set up with the Corporation Tax (RC159/RC160) payee, these payments did not transfer and must be recreated using the appropriate new payee.