Your Safety Is Our Top Priority

We recognize the concern surrounding COVID-19 (Coronavirus) and we are taking every precaution to protect the safety of our members and staff, while still providing members with the banking services they need during this challenging time.


In an effort to practice social distancing and reduce unnecessary exposure, we will be temporarily limiting our branch hours at all locations. Click here for our temporary branch hours.

FACE COVERINGS Expand/Collapse

More and more municipalities are introducing requirements for face coverings when entering indoor establishments. We are in cooperation with individual rules and regulations set out by each regional public health unit regarding face coverings. Please visit the website for your local municipality for face covering requirement information. If your branch is located within a region where face coverings are required, a notice provided by the local public health unit will be posted at the door.



Please note, if you are an existing member of Community First, and had been operating your business from a personal bank account, you now have the option of opening a YNCU/Community First Business Bank Account and applying for the CEBA Loan.

Please visit prior to being in touch with us, to verify that your business is eligible to receive the CEBA Loan. 

Once verified, please email and we will arrange a business account opening meeting, and advise of next steps.

CEBA has been extended to December 31st, 2020, making the program accessible longer to Canadians.

AUGUST 31st, 2020 UPDATE:

Please be advised Community First will begin accepting applications under the recently expanded CEBA Program, starting Tuesday, August 5th. Please log into your online banking profile, and fill out all information as instructed. If you are a sole proprietorship or partnership, applying with $40,000 in non-deferrable expenses, you will also be required to upload your supporting documentation at the EDC website that is given at the beginning of the application. Your application will not be considered until that information is received. If approved by the EDC, funds will typically arrive within 15-20 business days, and be deposited directly to your business account. Click here to visit the CEBA Document Upload Website

Please note, if you are operating a business from a personal bank account, you will not be eligible for CEBA. These are government requirements. Community First is not permitted to override any CEBA decisions.

For any questions on eligibility, supporting expense documents, etc. please click here.

CEBA has been extended to December 31st, 2020, making the program accessible longer to Canadians.


Is there a deadline for completing an application at my primary financial institution and for uploading supporting documents?

  • You must complete the CEBA application with YNCU by December 31st, 2020.

  • After completing the application with your financial institution, you must upload supporting documentation.

  • It is imperative that you provide your supporting documents through the site at the same time as submitting your application

  • Supporting documentation is a critical part of the application processes and delays in providing this information can result in a delay in the pre-funding eligibility validation and funding process.

JUNE 19th, 2020 UPDATE: 

As of June 19th, the Government has announced that they will be expanding the CEBA program to include eligible sole proprietors and partnerships. The exact availability date of the expanded eligibility program is not yet known. Based on information released to date, Community First expects to be positioned to accept applications within 3-4 business weeks. In the meantime, please forward your information (name, email address and phone number) to and we will email you as soon as this is available, along with instructions for application.   

While awaiting this program, we recommend you collect the following information as it will be required at the time of application.

  • Once the expanded eligibility criteria become effective, you will need three main pieces of information to complete the application:

  • Your 9-digit business number (same number you used in your application); and

  • Electronic or paper copies of Receipts / Invoices / Agreements to be uploaded as evidence of your 2020 Eligible Non-Deferrable Expenses.

Please note if you are an incorporation applying for CEBA under the original program eligibility parameters, please apply through Community First Online Banking (more information below). 

CEBA – ORIGINAL PROGRAM ELIGIBILITY To apply for CEBA, it’s as simple as signing in to your Online Banking, clicking Account Services, and applying from there. In order to ensure we are able to process your application as quickly as possible, we recommend that you collect/ensure you have the following information and meet all criteria below:

  • Community First is your primary financial institution for business banking.

  • Your business has access to Online Banking at Community First (all applications must be done through this channel).

  • If you are applying for CEBA for more than one business, ensure the unique BN# (the unique 15 digit number containing the letters RP) is referenced where required on the application – any duplicate BN#s will be rejected.

  • Your Community First business deposit account was open before March 1, 2020, and is active and in good standing.

  • Your organization was registered and operational on or before March 1, 2020.

  • Your organization’s 2019 T4 Summary of Remuneration payroll expenses (Box 14) was between $20,000 and $1,500,000. Please have your T4 Summary available for confirmation.


  • If you have just returned from travelling outside of Canada, or are exhibiting symptoms of COVID-19 (Coronavirus) please refrain from visiting our office or branch and complete your banking from home using our website or mobile app.

  • We have increased cleaning and sanitation processes at all of our locations, and have installed top-of-the-line hand sanitizing stations. We welcome you to use these when coming and going from the branch.

  • We have implemented return-to-work medical review and quarantine measures for any staff member who has traveled or had contact with anyone who has traveled, or who is exhibiting any COVID-19 symptoms.

  • We are using the Ontario government’s COVID-19 Self-Assessment before any member or employee can enter any of our locations. Before visiting one of our locations, click here to take the self-assessment. If you answer “yes” to any of the questions, unfortunately we will be unable to service you in person at this time. Please contact our Service Excellence Centre to make alternate arrangements for how we can assist you with your banking remotely. 

  • We have installed plexiglass shields at our member service wickets to protect our members and staff.

BANK FROM HOME Expand/Collapse

While some of our branches remain open during condensed business hours, we encourage you to take advantage of our online and mobile banking services. With our digital banking tools, you can:

  • Check balances and verify transactions, and keep tabs on your account balance in real-time
  • Deposit cheques using our free mobile app (available on the Apple App Store or Google Play)
  • Transfer money between your accounts, or send free Interac E-Transfers by text or email
  • Pay Bills and set up new bill payees
  • Open new chequing or savings accounts using desktop Online Banking
  • Change your account package by submitting a request within desktop Online Banking
  • Set up a variety of security alerts to further protect your finances

BEWARE OF FRAUD Expand/Collapse

Unfortunately, some fraudulent scams are taking advantage of the fears surrounding the spread of the virus. Do not let fear cloud your judgement when accessing links from emails and social media, or providing any information by telephone. If you have questions about the validity of any online or telephone claims, specifically from anyone claiming to be from Community First, please contact our Service Excellence Centre at 1-866-942-2328.

As many members have been contacting our Service Excellence Centre, please be aware that hold times may be slightly longer due to the increased volume. You can always return to this page for the most up-to-date information on the measures we are taking to ensure the health and safety of our members and staff.

Click here for a list of COVID-19 scams to be aware of, curated by our internal Risk Management department.

For a full list of COVID-19 related scams, please visit the Canadian Anti-Fraud Centre


Collabria: Our credit card partner Collabria has introduced COVID-19 relief measures for cardholders. Click here for more information including details on their Financial Relief Program.

CUMIS: Our insurance provider CUMIS has introduced reduced driving refunds as well as flexible relief measures.

Click here for more information on CUMIS' COVID-19 response.

Click here for more information on the Reduced Driving Refund.

WE'RE HERE TO HELP Expand/Collapse

We understand and respect that these are uncertain times. As a member-driven financial institution, we are committed to working closely with personal and small business members to help them manage through the challenges and impacts of COVID-19. This support will include up to six months payment deferral for residential mortgages and the opportunity for relief on other credit products, both evaluated on a case-by-case basis.

We are here to help members who have been financially impacted by COVID-19. Deferring payments may provide your family with the financial relief you require in this time of need, but interest will continue to accrue while payments are deferred. To discuss your financial need in more detail, please click here to book an appointment with a financial advisor.


Our SEC is currently experiencing higher than normal call volumes, which may result in longer wait times. Should you need to contact the SEC, please click here to read a list of our Frequently Asked Questions. If you are unable to find the answer you're looking for, contact us and we will be happy to help.

For those who require special assistance with completing banking remotely, we have set up a Priority Assistance Line for those aged 65+. Associates are trained to help walk you through banking from home and can be reached at 1-833-733-9220.


Applying for the Canada Emergency Response Benefit? Sign up for direct deposit now to ensure your benefit payments arrive sooner! We can help you sign up for direct deposit or update your direct deposit information with the Canada Revenue Agency (CRA). We encourage you to use direct deposit to avoid any delays and receive your payments faster. Click here for more information and step-by-step instructions for set-up.


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