The flexibility and convenience of self-serve banking, plus a few basic transactions a month. The Simply Free Chequing Account supports your basic daily banking needs with no monthly service fees.

Features and Benefits

• No monthly service fees

• 12 free self-service debit transactions

• Basic package with easy-to-understand, pay as you go pricing

• Debit Card Buyer Protection and Extended Warranty included with your MemberCard

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Do you prefer to do the majority of your banking online and on your own time? Do you use your debit card and send e-mail money transfers often? The E-All Access Chequing Account allows you to manage your accounts online with 24/7 accessibility and flexibility. Take advantage of a self-service chequing account with low monthly fees and perks specifically catered to those who like to do bank anywhere, anytime, mostly branch-free.

Features and Benefits

• Low monthly service fees, including a discount for Seniors and Youth

• Unlimited Interac e-Transfers

• Unlimited self-serve transactions, including Point of Sale (POS)

• Debit Card Buyer Protection and Extended Warranty

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Want a budget-friendly chequing account that offers flexible transaction amounts both in-branch and online? Maintain a monthly balance of $3000 and want a discount on service fees? The Simply Plus Chequing Account has features for doing your banking both in-branch and online, and offers a monthly service fee waiver for maintaining a $3000 balance.

Features and Benefits

• 50 transactions included per month that can be used both in-branch and online

• Discounted pricing for Seniors and Youth

• Unlimited Interac e-Transfers

• Monthly fee waiver if a $3000 monthly balance is maintained

• Debit Card Buyer Protection and Extended Warranty

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Want a full-service deluxe package chequing account that also gives back to your local community? The 100% Local Package offers members the ultimate in flexibility, including a minimum balance fee waiver. This Account also gives back to the local community, with 1% of monthly fees collected benefiting an important, 100% local cause.

Features and Benefits

• Unlimited in-branch and online transactions

• Unlimited Interac e-Transfers

• Discounted pricing for Seniors and Youth

• Monthly fee waiver if a $5000 monthly balance is maintained

• Community contribution to a 100% local cause

• Debit Card Buyer Protection and Extended Warranty

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Available exclusively for youth, the Simply Starter Chequing Account caters to your busy lifestyle. With unlimited self-service transactions and Interac e-Transfers, you can do your banking anywhere, anytime. Enjoy the flexibility of this chequing account with no monthly fee.

Features and Benefits

• Free for youth 25 and under

• Unlimited self-serve debit transactions, including Point of Sale (POS)

• Unlimited Interac e-Transfers

• Debit Card Buyer Protection and Extended Warranty

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To thank you for making one of the most monumental purchases of your life with us by your side, we want to provide you with an exclusive member benefit. Our Home Free Chequing Account is a deluxe package valued at $16.95 per month, offered for free to our members who have a mortgage with us.

Features and Benefits

• Debit Card Buyer Protection and Extended Warranty

• Unlimited in-branch and self-serve transactions

• Free for Members with a Community First mortgage

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Avoid the ups and downs of the U.S. currency exchange rates with the U.S. Hybrid Chequing & Savings Account. This account will help you avoid converting U.S. currency to Canadian and back again. This account gives you the ability to write cheques, build savings, and earn interest in U.S. currency.

Features and Benefits

• No minimum deposit required

• Earn interest in U.S. dollars

• Flexibility to withdraw at any time (2 free monthly withdrawals)

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If you regularly save your money, but like the flexibility of access to it, then this is the account for you. The Simply Everyday Savings Account offers you a flexible and convenient way to save your money, with anytime access to use your savings for whatever you need them for!

Features and Benefits

• Transaction fees waived for youth 25 and under (except Interac & Cirrus ATM transactions)

• Easy to understand, pay for use pricing

• Helps you save for current/immediate needs

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Do you maintain a higher balance in your savings but don’t want the funds to be locked in? Then the High Interest Savings Account is right for you. Save for life’s important purchases, like vehicles, vacations, home renovations, or whatever you need, and earn a higher rate of return on your savings.

Features and Benefits

• One free debit transaction, transfer, or withdrawal per month

• Easy to understand, pay for use pricing

• $5000 minimum monthly balance to receive best rate

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Would you like an account that offers the flexibility of a Savings Account with the interest earning power of a GIC?  (Silly question - who wouldn't?)  The Combination Savings Account is for you!  Your money is there when you need it, and growing at a special rate of return when you don't.  Learn more on the Combination Savings Account page.

Features and Benefits

• Minimum deposit of $5000

• Guaranteed special rate of return

• Product opens for deposits every 3 months - January, April, July and October

• Easy to understand, pay for use pricing

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Avoid the ups and downs of the U.S. currency exchange rates with the U.S. Hybrid Chequing & Savings Account. This account will help you avoid converting U.S. currency to Canadian and back again. This account gives you the ability to write cheques, build savings, and earn interest in U.S. currency.

Features and Benefits

• No minimum deposit required

• Earn interest in U.S. dollars

• Flexibility to withdraw at any time (2 free monthly withdrawals)

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Be prepared for anything by setting up an emergency fund with YNCU. Offering a higher rate than our traditional savings accounts, the Emergency Savings Account will help you build your reserve fund faster while keeping your money accessible.

Features and Benefits

• Premium savings interest rate

• No monthly fees or minimum balance required

• Maximum balance of $15,000

• Only one Emergency Savings Account permitted per member

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