Accessibility for Ontarians with Disability Act (AODA)
The mission of YNCU is to provide financial comfort to our members by minimizing anxiety generated from significant changes and choices in the financial services market. In fulfilling our mission, YNCU strives at all times to provide its products and services in a way that respects the dignity and independence of people with disabilities. We are also committed to giving people with disabilities the same opportunity to access our products and services and allowing them to benefit from the same services, in the same place and in a similar way as other members.

Application of the accessible member service policy
Click here to read our most up-to-date Member Service Policy.
Providing products and services to people with disabilities
Definitions
“Assistive devices” shall mean an auxiliary aid such as communication aids, cognition aids, personal mobility aids and medical aids (i.e. canes, crutches, wheelchairs, or hearing aids).
“Employees” shall mean every person who deals with members of the public or other third parties on behalf of YNCU, whether the person does so as an employee, agent, volunteer or otherwise.
“Persons with disabilities” shall mean those individuals who have a disability. “Disability” as defined under the Ontario Human Rights Code is:
Any degree of physical disability, infirmity, malformation or disfigurement that is caused by bodily injury, birth defect or illness and, without limiting the generality of the foregoing, includes diabetes mellitus, epilepsy, a brain injury, any degree of paralysis, amputation, lack of physical co-ordination, blindness or visual impediment, deafness or hearing impediment, muteness or speech impediment, or physical reliance on a guide dog or other animal or on a wheelchair or other remedial appliance or device;
a condition of mental impairment or a developmental disability;
a learning disability, or a dysfunction in one or more of the processes involved in understanding or using symbols or spoken language;
a mental disorder, or;
an injury or disability for which benefits were claimed or received under the insurance plan established under the Workplace Safety and Insurance Act, 1997.
“Service animals” shall mean any animal individually trained to do work or perform tasks for the benefit of a person with a disability.
“Support persons” shall mean any person whether a paid professional, volunteer, family member, or friend who accompanies a person with a disability in order to help with communications, personal care or medical needs or with access to products or services.
Communication
We will train employees who communicate with Members on how to interact and communicate with people with various types of disabilities.
Assistive devices
We are committed to serving people with disabilities, who use assistive devices to obtain, use or benefit from our products and services. We will ensure that our employees are trained and familiar with various assistive devices that may be used by Members with disabilities while accessing our products or services.
Financial documents
We will answer any questions Members may have about the content of statements or notifications in person, by telephone or email, provided the identity of the Member has been verified.
Service animals
Support persons
Where confidentiality is important because of the kinds of information discussed, YNCU must obtain the consent of the member and may require the support person to sign a confidentiality agreement.
Notice of temporary disruption
The notice will be placed at all public entrances and service counters on our premises. In the case of an extended disruption notice will also be placed on the YNCU website.
Training for staff
YNCU will provide training to all employees, volunteers and others who deal with the public or other third parties on their behalf, and all those who are involved in the development and approval of Member service policies, practices and procedures. Individuals in the following positions will be trained:
Member Service Representatives, Financial Service Representatives, Wealth Advisors, Managers, Board of Directors, Head Office, Administrative Employees, and Branch Employees. New employees will receive this training within the first 30 days after the employee commences their duties.
Training will include the following:
The purposes of the Accessibility for Ontarians with Disabilities Act, 2005 and the requirements of the Customer Service Standard;
How to interact and communicate with people with various types of disabilities;
How to interact with people with disabilities who use an assistive device or require the assistance of a service animal or a support person;
What to do if a person with a disability is having difficulty in accessing YNCU's products and services;
YCNU's policies, practices and procedures relating to the Customer Service Standard;
Applicable employees will be trained on policies, practices and procedures that affect the way products and services are provided to people with disabilities. Employees will also be notified when changes are made to these policies, practices and procedures.
Employment at YNCU
YNCU is committed to the success of all its employees. If current employees require accommodation because of illness or disability, they are encouraged to contact Human Resources.
Feedback process
Feedback regarding the way YNCU provides products and services to people with disabilities can be made by email, speaking with a manager at any branch, by phone, by mail, through on-site suggestion boxes or by contacting us via our online form.
Toll Free: 1 (866) 635-6917
Mail:
Access Feedback
38 Executive Place
Kitchener, ON
N2P 2N4
Questions about this policy
† Savings Account, Chequing Account, and GIC interest rates expressed on this website are annual interest rates and are current as of today's date. Interest rates are subject to change without notice. Interest is calculated daily and paid monthly on our Savings and Chequing Accounts. GIC terms of one year or longer have interest calculated on the basis of 365/366 days and compounded and/or paid annually. GIC terms of less than one year have interest calculated on the basis of 365/366 and paid at maturity.
6 YNCU will waive the ABM Withdrawal Fee and Global ATM Alliance members will waive any surcharge fees for withdrawal transactions performed at a Scotiabank or Global ATM Alliance machine with your YNCU Client Card. Some exclusions apply; see our Fee Schedule for details. The current Fee Schedule can be found at yncu.ca/feeschedule.
*Trademark of Visa International Service Association and used under license
‡Pay no fees for everyday Chequing transactions. For non-standard transactions, a fee may apply.
7Full terms and conditions are outlined in the Account Terms and Client Card Cardholder Agreement available to you on our website at yncu.ca.
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3 Some conditions may apply. Service is subject to availability and successful digital verification.
4 As of Mar 10, 2026 there were 49.9K reviews with an average rating of 4.5 from the Google Play Store and 77K reviews with an average rating of 4.7 from the App Store.
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