Member Updates

Required update to Community First mobile banking app for Android devices Expand/Collapse

On June 8, 2022, Android users only will be required to upgrade to the latest version of the Community First mobile app.

When prompted with the upgrade alert, Members will be required to visit the Google Play Store and search “CFCU Mobile” to download the latest version. This update must be completed if you wish to continue accessing your accounts on the Community First mobile app.

If you require assistance downloading the latest version of the mobile app, please contact the Service Excellence Centre at 1-888-413-YNCU or visit your nearest branch.

Note this app upgrade is not affiliated with our harmonization project and you are not required to download the YNCU mobile at this time. We are working hard behind the scenes to unify our divisions and will provide notice when you will be required to download the YNCU Mobile app.

Our ATM located at 760 Second Line East in Sault Ste. Marie is closing - June 8, 2022 Expand/Collapse

Our ATM located at 760 Second Line East in Sault Ste. Marie will be permanently out of service as of June 19, 2022. We apologize for any inconvenience. 

Visit the following locations to complete your banking:

  • Manulife Bank ABM - 628 Third Line East

  • Manulife Bank ABM - 381 McNabb St.

  • Community First ATM - 355 John St.

Or use the ATM located at our closest branch or locate the nearest surcharge-free ATM by visiting the Exchange Network website or downloading the Exchange Network app.

New digital payment capabilities for our Collabria cardholders - July 19, 2021 Expand/Collapse

Collabria has expanded their digital payment capabilities by adding Google Pay and Samsung Pay which will compliment their existing lineup comprising of Apply Pay and Click to Pay.

These additions allow more cardholders to conveniently use their mobile and wearable devices to tap and go for frequent small value, day to day transactions wherever contactless payments are accepted. No matter which way you pay, you will continue to earn eligible rewards, benefits and security.

Click here to learn more about our Collabria credit cards!

Our Interac e-Transfer receiving limits have changed - July 8, 2021 Expand/Collapse

To better serve our Members, we have updated our Interac e-Transfer receiving limits. Effective July 8, 2021, Members will no longer have a daily, weekly, or monthly receiving limit on Interac e-Transfers.  This is especially beneficial for our Small Business Members wishing to implement contactless payment options.

Sending/Receiving Limits

Sending limit per Transaction


Sending Weekly Limit


Sending Monthly Limit


Receiving limit per Transaction


Receiving Daily, Weekly, Monthly Limit


If you have any questions about this change, please contact our Service Excellence Centre at 1-888-413-YNCU (9628) or your local branch. For more information on Interac e-Transfers, click here.

Enbridge Bill Payee Format Change Expand/Collapse

For Members who use our online bill pay feature to complete their Enbridge bill payments, please note that Enbridge has changed their account number format.

To avoid any missed payments, you are required to update your bill payee information for your Enbridge account. You should have received updated account information from Endbridge. For assistance, please refer to the Enbridge website or recent mailing for further information.

Our hours of operations have changed - June 21, 2021 Expand/Collapse

In an effort to accomodate the financial needs of our Members, YNCU has made changes to the hours of operation at our branches. Click here to find the most up-to-date hours for your branch. Virtual appointments are still available for Members wishing to complete their banking from home. 

If at any time you are looking to complete your banking in-branch but cannot meet the business hours advertised, please contact our Service Excellence Centre at 1-888-413-YNCU (9628) and we will be happy to make arrangements for an appointment that is more convenient for you.

YNCU announces Uptown Campus Redevelopment Project – May 31, 2021 Expand/Collapse

YNCU is constantly seeking new ways to better support our Members while supporting community growth. It is with that in mind that we are excited to announce the rebuild of our Uptown Waterloo branch, with plans to start the transition Summer 2021. The purpose of the venture is to equip the new facility with innovative technology and accessible features that meet the current and future needs of our Members. By building an inviting, modern new space, YNCU will be able to offer high-end amenities, increased accessibility and the latest technology, all with exceptional customer service at the same location our Members know and love.

With its history dating back to the 1940s, YNCU is a pillar in the Waterloo Region and has played a key role in its development. Propelling the community forward while honouring the past, the YNCU Uptown Waterloo branch will be temporarily relocating to the former Marbles Restaurant to preserve its legacy at such a difficult time. Just down the road from the current branch, the building will serve as a convenient temporary location until we can welcome you into the new space. By moving into Marbles, a staple in Uptown, YNCU hopes to protect its integrity until the next business opportunity arises, ideally carrying on its tradition. The banking experience for our Uptown Waterloo and visiting Members will not be disrupted during this rebuild, as YNCU’s temporary branch location as well as neighbouring branches will be equipped to accommodate those affected.

Desjardins ATMs have joined the ACCULINK network - April 20, 2021 Expand/Collapse

Our members are now able to withdraw cash from any Desjardins ATMs without the worry of surcharging. Also, through the Desjardins network, credit union members will also be able to access the networks of Caisse Populaire Alliance Limitee (CPAL) and UNI Financial (UNI), who operate regional caisses populaires alliances in Northern Ontario and New Brunswick, respectively.

Through the addition of the Desjardins ATMs and their network partners, ACCULINK ATMs will more than double in size and will expand to 4221 ATMs nationally – moving from the smallest ATM network in the market, to the second largest in Canada, behind only RBC.

Member Card Decline Update - January 10th, 2020 Expand/Collapse

There is an ongoing issue that has been identified with a specific merchant terminal provider who has not updated their point-of-sale terminals. This affects our credit union as well as other financial institutions that have issued new debit cards that support the new CHIP with Interac-mandated changes. If you have been issued one of our new black Member Cards your chip card will be declined at selected merchants that use these terminals. The issue has been identified by the provider and they are currently working to update their terminals. Your debit card will continue to work as expected at ATMs and merchants who do not use this point-of-sale provider. If you run into issues using your new debit card, here are some solutions in the meantime.

  • Use your credit union Mastercard, they are not impacted by this issue
  • Withdraw cash from an ATM
  • Interac Flash (tap) is not impacted by this. Use Flash where available, and ask the merchant to split the transaction if possible to remain under the tap limit.

We will provide an update once the provider has rectified this issue. We apologize for any inconvenience this has caused and sincerely thank you for your patience.

Branches Closed Due To Weather - February 25th, 2019 Expand/Collapse

Please be advised that our Sault Ste. Marie branches on Bay Street and Trunk Road are closed today (Monday, February 25th, 2019) due to weather conditions.

December Statement Delay Expand/Collapse

Please be advised that due to circumstances beyond our control, the December monthly member statements will be delayed.  For realtime access to all your accounts and transactions, please sign-in to your online banking account or visit your nearest branch.

Possible Canada Post Strike – How to Avoid Service Disruptions Expand/Collapse

[10/22/2018] With a possible Canada Post strike on the horizon you may experience a mail service disruption. This means that statements and other important information that you receive from Community First may not be delivered or processed on time. 

Here is what you might expect in the event of a Canada Post strike:

  • Mailed statements will be delayed.
  • Mailed investment and mortgage renewal letters will be delayed.
  • New or replacement debit cards or Collabria credit cards will be delayed.
  • Statements from Collabria credit card will be delayed. During service disruption you are still responsible to pay all your bills on time. You can do this by visiting a branch, through Online Banking or by accessing MyCardInfo

How can you avoid disruption?

  • Sign up for Online Banking and download our Mobile App from the Apple App Store or Google Play App Store
  • Register for e-statements in Online Banking
  • Sign up for our electronic document delivery in Online Banking for all renewal statements and other important documents. Signing up is easy, simply provide your email address. We will even send you a notice when your documents are ready to review.
  • Sign up for email and/or mobile alerts

To sign up for Online Banking and get 24/7 access to your bank account(s):

  • Call our Service Excellence Centre at 1-866-942-2328
  • Visit your local branch

Donate to the BC Fires Appeal through your Credit Union Expand/Collapse

[08/29/2018] Credit Unions of BC and Credit Unions of Ontario are coming together to raise money to help aid in the efforts to combat the devastating wildfires affecting British Columbia residents.

Fast moving flames have forced thousands of people from their homes. Urgent help is needed for individuals and families evacuated from their communities.

Donations to the Canadian Red Cross will be used for immediate and ongoing relief efforts, long term recovery, resiliency and preparedness for future events in British Columbia and Yukon, including consequential events related to the fires.

From August 15 until October 12, 2018, the Province of British Columbia will match all donations made by individuals who are residents of B.C, up to $20 million.

To donate, please visit: 

Microsoft Malware Scam Alert Expand/Collapse

[07/26/2018]  We have been made aware of a recent Microsoft malware scam that is affecting some of our members. 

There’s a particular type of online scam that uses malware to lure you into contacting fake tech support. Scammers will pretend to be Microsoft support and claim there are problems with your PC, such as malware or licensing issues, system errors, or displaying fake blue screens. They then try to get you to pay for services or software to fix the problems. They may also try to get access to your PC by getting you to install remote management apps. 

In this case, a pop up will appear on your computer screen with the following alert:

** Microsoft Warning Alert **
Malicious Pornographic Spyware/Riskware Detected
Error # 0x80072ee7

Please call us immediately at: 1-800-953-457X
Do not ignore this critical alert.
If you close this page, your computer access will be disabled to prevent further damage to our network.
Your computer has alerted us that it has been infected with a Pornographic Spyware and riskware. The following information is being stolen…
> Financial Data
> Facebook Logins
> Credit Card Details
> Email Account Logins
> Photos stored on this computer
You must contact us immediately so that our expert engineers can walk you through the removal process over the phone to protect your identity. Please call us within the next 5 minutes to prevent your computer from being disabled or from any information loss.
Toll Free: 1-800-953-457X

Please be aware that these alerts are nothing more than a scam. Microsoft does not send unsolicited email messages or make unsolicited phone calls to request personal or financial information or to fix your computer. Treat all unsolicited phone calls or pop-ups with skepticism and do not provide any personal information.

If you have been contacted by one of these scammers, please submit a complaint with the Federal Trade Commission.

Click here to learn more about how to protect yourself from fraud.

April 1st, 2018 Expand/Collapse

With the withdrawal of the Assurant Home Warranty Program, we’re happy to let you know you still have options to cover the appliances (and more!) you purchase for your home.

If you purchase with your debit card or your credit union Mastercard, you’ve got coverage! Your debit card has buyer protection. That’s right!

Paying with your debit card gives you:

Buyer Protection - on the purchase of most retail items - and that includes gifts! For a full 120 days after the purchase, the item is protected if it's stolen, dropped and broken or even consumed in a fire.

Extended Warranty – the program doubles the warranty period of a purchased item up to two years. PLUS … A unique benefit for credit union members!
  • Personal and home-based business purchases are protected
  • Coverage is up to $60,000 lifetime
  • Gifts are included
  • Includes worldwide purchases not just Canadian purchases
  • Purchases made with a cheque drawn on your insured account are also protected
There’s no application and no additional cost. Learn more at your branch or on our website under Products and Services > Banking > Ways to Bank > MemberCard > Buyer Protection.

Your credit union Mastercard also offers plenty of coverage for the things you purchase. Every one of the cards in our line-up includes 90 days purchase protection and double the manufacturer’s warranty (up to one year). Some even include mobile device insurance! Check out the line-up in your branch or on the website under Products and Services > Banking > Ways to Bank >Credit Union Mastercard. Please contact your branch today to learn more.

December 19th, 2017 Expand/Collapse

As of December 20th, 2017, our online banking service will no longer support Internet Explorer 8 (IE8). If you are currently using this browser to access your accounts, you will receive a browser error when trying to use our online banking services. This is to ensure that we are providing you the highest level security when accessing your financial products and services with us. If you are currently using IE8 as your browser, we recommend updating to a newer version of Internet Explorer, or using other compatible browsers like Chrome, Firefox and Safari. Contact us if you have any questions about this update in technology.

December 6th, 2017 Expand/Collapse

Effective January 1st, 2018 we’ll be working with a new credit card provider
If you carry a credit union Mastercard credit card issued by CUETS Financial*, here’s information you need to be aware of. Your Neighbourhood Credit Union and Community First will be partnering with a new Canadian Credit Card provider. This means we will no longer be able to provide support or information on our website or in the branches for your current CUETS Financial credit card.  Although Your Neighbourhood/Community First is no longer participating in the CUETS Financial credit card program, your credit card will continue to work. CUETS Financial will continue to provide support, service, and assume sole responsibility for all administrative and processing aspects of your current Mastercard credit card.
Please watch for a letter from CUETS Financial explaining this change and how they will continue to work with you effective January 1, 2018.**
If you’re used to signing in to the Mastercard or Choice Rewards site, be sure to save or bookmark the links before December 31st, 2017, as we’ll be removing those links from our website on that date.
Choice Rewards
CU Cards Online
What will stay the same?
You can continue to use your existing CUETS Financial Mastercard credit card after January 1st, 2018, the same way you do today. You will have the same PIN, features and benefits, credit limit, interest rate(s) and fees. Your CUETS Financial Account Agreement and Disclosure Statement, as amended to date, will also remain unchanged. Please ensure your address is current with CUETS Financial so you will continue to receive any notices from them. If you’ve set up Credit Union Mastercard in your bill payments, you’ll still be able to pay your bill online and in the branch.

What will change?

Effective January 1st, 2018 you won’t see any direct links to CUETS Financial or Choice Rewards site on our website. When you log-in to, you will no longer see our name or logo on your landing page.  Be sure to save the link before December 31st, 2017.
We will no longer offer CUETS Financial credit cards in the branches, and unfortunately we won’t be able to provide member service on your existing credit card(s). To continue to manage your account, you can go online using your current login credentials for CUETS Financial Online Card Services. If you aren't currently enrolled, you can visit and click the "New User / Enroll Now" link. Alternatively, you can contact the CUETS Financial toll-free customer assistance number: CUETS Financial Card Services 1-800-561-7849.
*Guaranteed cards: IMPORTANT NOTE: If you have a CUETS Financial Guaranteed Mastercard (one that requires a financial guarantee from the Credit Union), watch for an important message from us shortly.

December 1st, 2017 Expand/Collapse

On December 15th, 2017, we will be changing the name of our High Interest Savings RRSP, RIF, and TFSA accounts to RRSP, RIF and TFSA Variable Savings. This name change will not affect the products in any way, and you will continue to enjoy the same great features with these accounts. Contact your local branch if you have any questions.

September 19th, 2017 Expand/Collapse

Equifax security Breach UPDATE

The Canadian investigation is ongoing; based on current information, it is believed approximately 100,000 Canadians were affected. Those affected will be contacted directly by Equifax.

A statement and general FAQs are posted on the Equifax consumer website at

Canadians are advised not to use the American website as it is set up for social security numbers.

Check the Canadian Equifax website regularly for the most up-to-date information.

September 11th, 2017 Expand/Collapse

Equifax Breach

What you need to know about the Equifax data breach and steps you can take:

As you may be aware, Equifax announced last week they had experienced a data breach affecting approximately 143 million Americans. The Canadian exposure is reported to be limited.

This breach was not against any bank or credit union, but against the credit reporting bureau.

You can monitor the situation on a special Equifax web page for current information  

If you wish, you can contact Equifax to discuss your concerns at 1-877-323-2598. Please note that service may be affected by Hurricane Irma.

What to do if you believe your data has been hacked:

  • Monitor your existing credit card and bank accounts closely for unauthorized charges. Contact relevant financial institutions, such as banks that issued credit cards and stop cheques, as quickly as possible. Call local police along with Service Canada if your Social Insurance Number was used. Report confirmed cases to the Canadian Anti-Fraud Centre  Toll Free: 1-888-495-8501
  • Change all affected passwords with new, strong and unique passwords for each account;
  • Consider placing a credit freeze on your files. A credit freeze makes it harder for someone to open a new account in your name. It will not prevent a thief from using any of your existing accounts;
  • Consider enrolling in a fraud alert. Equifax says it will offer free identity theft protection and credit file monitoring for one year to all U.S. consumers, but doesn't say if that will be available to Canadians. The service monitors if your information is used to open credit accounts or appears on suspicious websites. Several identity theft and recovery companies provide similar services.

August 2nd, 2017 Expand/Collapse

UPDATE: E-mail Money Transfers and Small Business Online Banking services are back up and running and all profiles have been restored. We appreciate your patience during this time.

Credential Account Plus Users: As a result of this system maintenance, Credential Account Plus linked accounts have been removed from online banking. This was an unexpected result and we apologize for any inconvenience. Account Plus linked profiles will need to be re-linked for Credential Account Management, Credential Securities, and Credential Direct. You will require your account statement in order to re-link these profiles. If you have any questions, please speak with your Investment Advisor.

During routine system maintenance, E-Mail Money Transfer profiles and Small Business Online Delegates have been unintentionally impacted and are currently unavailable. We are diligently working to restore all profiles. You may experience service disruptions to Online and Mobile Banking while we work to rectify this issue. Once profiles have been successfully restored, we will post an update to this page.

We apologize for any inconvenience and are happy to support all of your banking needs through our branch network or by contacting our Service Excellence Centre at (705) 942-1000.

June 30th, 2017 Expand/Collapse

Interac is currently experiencing issues with Interac e-Transfer. All financial institutions using this service are impacted. We are working with Interac on the issue and will provide updates as they become available. UPDATE: Service has been fully restored. Thank you for your patience.

March 16th, 2017 Expand/Collapse

Our Annual General Meeting will be held on Tuesday, April 18th, 2017. Registration at 6:30 pm, meeting begins at 7:00 pm. Snacks and refreshments to be served.

Sault Ste. Marie Location
Quattro Hotel & Conference Centre, 229 Great Northern Road

Timmins Location
North Eastern Ontario Family & Children’s Services, 707 Ross Avenue East

February 28th, 2017 Expand/Collapse


Community First is pleased to announce that $250,000 in profits was shared with eligible members in the form of patronage dividends on February 28th, 2017. Click here to learn more.

February 2nd, 2017 Expand/Collapse


2016 Dividend Declared by Board of Directors

At the meeting held on January 24th, 2017 the Board of Directors declared a dividend of 2.00% be paid to registered Class A (Series 1 and 2) investment shareholders. This dividend was paid on February 2nd, 2017 in the form of additional Class A (Series 1 and 2) shares.  The dividend payment appears in your Class A account on online banking and in your statement for the period ended February 28th, 2017.

Click here to learn more about this exciting investment opportunity, including historical rates of return.

September 30th, 2016 Expand/Collapse

Please be advised that there will be an automatic decline for all transactions originating from a magnetic stripe at point-of-sale terminals in Canada beginning October 1st, 2016. With these changes, October 1st, 2016 will mark the day that in Canada, 100% of all transactions performed at Interac shared services (ATM and POS terminals) will be chip. As all of our MemberCards and MasterCards are equipped with chip-functionality, our members should not be impacted by this change. If your chip card is not functioning and you have been reverting to your magnetic stripe for payments, please visit your local branch or call 1-866-942-2328 to discuss a replacement card.

September 28th, 2016 Expand/Collapse

As a result of our merger with Your Neighbourhood Credit Union, we have changed our domain to Please update your bookmarks and saved pages. There will be no other impact to members at this time.

August 25th, 2016 Expand/Collapse

Potential Canada Post Service Interruption

Update August 25th: The Canadian Union of Postal Workers (CUPW) has provided the required 72-hour work interruption notice to Canada Post late on Thursday, August 25th. No official action has been announced but there is a possibility of a "work to rule" position or strike action as soon as August 28th.

Update, July 12th: This week, Canada Post withdrew their 72-hour notice that was to take effect Monday, July 11th, 2016. As a result, regular mail distribution of materials will resume effective immediately. In the event that notice is served, we will provide our members with another update.

Statements: There is a possibility that Canada Post services may be interrupted as of July 2nd. If this happens, our statement provider will not put statements into the mail system but will hold them until the service interruption is resolved. Electronic statements (e-Statements) and documents will be available as usual through online banking; you can also make bill payments and transfer funds. If you would like to register for online banking access, contact us to gain immediate access to your e-Statements, e-Documents, bill payments, and other convenient services.

MasterCard Statements: MasterCard statements will not be mailed during the potential postal strike. To access your electronic MasterCard statement, log in or register for access here:

March 4th, 2016 Expand/Collapse

In November of 2015, Manulife Bank completed the deployment of their over 800 surcharge-free ATMs to THE EXCHAGE Network in select Mac's Couche-Tard, and Circle K locations across Canada. We are proud to announce that these formerly cash-dispensing only ATMs now have the functionalities of PIN change, transfers, and inquiries for all Exchange Network cardholders. The Exchange Network ATM database has been updated accordingly so cardholders can easily search for the right ATM, whether it be online, with our free ATM Locator App, or with their GPS device. This is an extremely convenient and safe option for changing your PIN when you can't easily get to your home branch.

March 1st, 2016 Expand/Collapse

Community First has partnered with Everlink to provide the new standard in contactless debit cards to our members. Click here to read the press release from Everlink.

December 17th, 2015 Expand/Collapse

SPECIAL NOTICE: There have been changes to the 2015 Canada Revenue Agency RRIF Minimums

The 2015 Federal Budget released measures to reduce the withdrawal factor for Registered Retirement Income Funds (RRIFs) for annuitants between the ages of 71 and 94. These changes are effective retro-actively to January 1st, 2015. To learn more about these changes, read the Frequently Asked Questions, visit our RRIF Information Page, or Contact Us to schedule an appointment to discuss your retirement income options.