Our Table of Limits outlines the maximum limits (if any) associated with sending and receiving Interac e-Transfers®, Me-to-Me transfers (which are transfers you set up between your Yapi.cu account and your account at another Financial Institution), and limits associated with depositing cheques to your account.
Note: Transaction limits are subject to change without notice.
AutoDeposit is a feature within the Interac e-Transfer® service that enables users to save time when accepting an Interac e-Transfer®.
It is enabled by registering your email address with Interac and allows you to receive funds directly into an assigned account without the need to select your financial institution or answer a security question.
When sending an Interac e-Transfer , the sender is made aware in online banking that you are registered for AutoDeposit.
A Payment Request is another Interac e-Transfer® feature that enables you to send an email request for someone to pay you through a secure online email.
When the recipient of a Payment Request receives the request, the recipient is provided with easy instructions to pay and, providing the recipient agrees to make the payment, funds are deposited directly into your account.
Effective June 1, 2018, Interac e-Transfers® are classified as day-to-day transactions and a day-to-day transaction fee will be applied when you send or request an Interac e-Transfer® depending on your banking package or the savings account that you send the Interac e-Transfer® .
If the transaction has not yet been received by the recipient, you can choose to cancel the transaction from the Pending e-Transfers screen. If the transaction has already been completed and funds deposited to the receiver, contact Member Connect Toll Free: 1 866 900 3822.
Interac e-Transfers® expire 30 days after they’re sent or requested. After 30 days, the recipient will not be able to receive and deposit the funds. Senders and requestors can send reminder notices to recipients from the Pending e-Transfers screen in online banking. If a recipient fails to receive and deposit funds within 30 days, the sender will be notified by email to deposit the funds back into their account, with the exception of any non-refundable Service fee(s).
Yes. Debit cards are valid for 5 years. We will advise you when your current card expires and will send you a replacement.
ATM cash withdrawal limit: $1,000 per calendar day.
Point of Sale limit: $1,500 per calendar day.
The Point of Sale tap limit: $250 per transaction. The cumulative daily tap limit is $400. Once that limit is reached, you will be prompted to insert your card and enter a PIN.
They both allow you to access Yapi.cu’s online banking but only the physical debit card provides ATM and Point of Sale access.
Yapi cu is regulated by the Financial Services Regulatory Authority.
Eligible deposits in registered accounts have unlimited coverage through the Financial Services Regulatory Authority (FSRA). Eligible deposits (not in registered accounts) are insured up to $250,000 through the Financial Services Regulatory Authority.
Interest is calculated daily on the closing balance and paid monthly. Interest rate is annualized and subject to change without notice.
Yes you can be our member anywhere in the world by registering online.
You can become a Member online
No. Money withdrawn and re-deposited does not count as a new deposit. Only new deposits that raise your overall deposit balance with Yapi.cu above what it was on the promotional start date will be eligible to receive the promotional interest rates.
Q: What is 2-Step Verification?
A: 2-Step Verification is the new heightened industry standard for account protection. It means that when you log in to your online banking profile, prior to gaining access to your account, you will receive a verification code sent by text, voice call and/or email. You then have 10 minutes to enter that code to access your online profile.
Q: Is 2-Step Verification required?
A: Yes. All Members who use online banking must enroll in 2-Step Verification as it provides a higher level of security.
Q: Will security challenge questions still be required?
A: No. After enrolment in 2-Step Verification, challenge questions and answers will be eliminated since 2-Step Verification, which is based on codes valid for only a few minutes, are more secure.
Q: Can I register for 2-Step Verification via both SMS Text, Voice Call and Email?
A: Yes, however, not at the initial enrolment. During their initial enrolment, a Member can register only one of a mobile phone number, email address or voice call number to receive 2-Step Verification codes. After enrolment, you can add a second notification channel the next time you are logged in.
Q: What happens if I fail to provide the correct verification code?
A: The account will lock and you must call Member Connect.
Q: What happens if I lose the phone used for 2-Step Verification and therefore cannot receive a code?
A: You will need to call Member Connect for assistance.
Q: What if the verification code does not come through?
A: Wait a reasonable amount of time for the notification to arrive. If it does not, use the “send new code” option.
Q: How long is the verification code valid?
A: Ten minutes.
Q: What types of online banking transactions will require additional 2-Step Verification?
A: The following types of transactions will now prompt you to enter a security code before the transaction can be successfully completed:
Q: Is there an option to designate a device as a ‘trusted’ device, exempting logins from that device from additional authentications?
A: Yes. After entering a verification code, you have the option to select "Don't ask me again next time I log in from this device."
Q: Will enrolment in 2-Step Verification affect any of my current digital banking configurations or settings?
A: Yes. After setting up 2-step Verification, you must re-set up Biometrics (Touch/Face ID), QuickView, and Memorized Accounts, if you wish to use those features. All other aspects of online banking will remain unchanged.
Q: How do I change my Password (PIN) for online and mobile banking?
A: Log in to your online profile and click on Profile and Preferences under the Account Services section to change your Password. First, enter your current Password and then your new Password. Verify it by entering it again. Your new Password must be a “strong” one with 8 – 30 characters, both upper and lower cases, and at least one special character (!, @, #, $ or & ONLY).
Q: If I am not enrolled for 2-Step Verification (see question above), what will happen if I select the “Forgot Password” link?
A: You will receive an error message on the Please Verify Yourself screen.
Q: Is there a limit to how many times I can submit an incorrect verification code from the Enter Your Verification Code screen?
A: If an incorrect verification code is entered three times in a row during a Password reset, you will be locked out and must then contact Yapi.cu.
Q: Is there a limit to how many times I can submit an incorrect password?
A: If an incorrect password is entered three times in a row, you will be locked out from the account.
If that happens, you can use the “Forgot Password” feature to create a new password. However, if you wish to use the same password, then you will have to contact Yapi.cu to have the account unlocked.
Q: Is Self-Serve Password Reset available on the mobile banking app?
A: Yes.
Q: Is this feature available for Businesses on the Business platform?
A: No, this feature is not available for Business accounts on the Business platform at this time.
Enjoy the convenience of 24-hour access to your accounts with online banking. Visit a branch or call Member Connect, Toll Free at 1 866 900 3822 and you will be set up for online banking. Read our tips for Online Banking here.
To access your accounts from a mobile device, first you must be registered for Yapi.cu online banking. If you’re not registered yet, please visit the nearest Yapi.cu branch or call Member Connect at 1 866 900 3822 and you will be set up for online banking.
Then, while on your SmartPhone, download the app from either the App Store or Google Play! It's that easy.
Use the same login credentials that you use for online banking.
If you need support, please contact Member Connect at 1 866 900 3822 or email Yapi.cu.info@Yapi.cu.com.
Your eStatement can be found by logging into online banking and following these simple steps:
To do so, delete your cookies and clear your cache. Click here for instructions: Clear Cache and Cookies
The remote deposit capture feature on the Yapi.cu Mobile Banking App allows you deposit a cheque without having to stop in at a branch or visit an ATM. Just select “deposit” from the service menu.
You will be prompted to take a picture of your cheque and the app will walk you through the steps to deposit your cheque into your desired account.
The maximum limit for RDC is $10,000.00 CAD to be deposited.
Yapi.cu has partnered with Collabria to provide Members with credit card products to serve a variety of Personal or Business needs. Collabria provides you with 24/7 Cardholder Service, access to account information online through MyCardInfo or CardWise and round-the-clock fraud monitoring and protection services for your credit card. Collabria also receives and processes your card payments and manages collections on delinquent accounts. From time to time, you may receive communications from Collabria regarding your credit card account.
MyCardInfo is Collabria’s online account management tool where you can access your credit card account information 24/7. With MyCardInfo, you can check current balances, review recent activities, verify the last payment made, make payments, view eStatements and more.
NOTE: While MyCardInfo will continue to exist in the foreseeable future, CardWise will eventually take its place.
There are two ways to access:
Watch this video to learn more about the features and benefits of CardWise.
NOTE: If you are currently using MyCardInfo, make the switch to CardWise today!We have a suite of credit cards available depending on your needs. Visit our Personal Credit Card or Business Credit Card products in helping you achieve your needs.
Contact Collabria directly.
Your Yapi.cu credit card will work in most countries. Due to fraud trends, we may restrict transactions in certain countries. We recommend you obtain a PIN for the credit card so that a cash advance can be readily available in case of an emergency. As a fraud protection measure, we strongly recommend you call Collabria Cardholder Service: 1.855.341.4643 prior to your departure to advise them of your travel plans.
Rewards can be redeemed online through MyCardInfo or CardWise.
View our Personal credit cards or Business credit cards (including rates, fees and perks) online.
We have various types of calculators to help you guide your financial decisions.
If you are not currently a Yapi.cu Member, join us now to complete an application or visit a branch or call Member Connect Toll Free at 1 866 900 3822. If you are already a Yapi.cu Member, you may visit a branch or contact one of our Small Business Advisors.
We have many types of Business Services to support our Business Members.
Every situation is unique. To find out whether you are eligible for a mortgage, book an appointment at your local branch or reach out to a Mortgage Specialist.
The best way to know how much home you can afford is by getting pre-approved. Once you’re pre-approved, your rate will be locked down for 120 days, so you can start shopping for a home with confidence.
If you are not ready to get pre-approved, then you can always try our Mortgage Affordability Calculator for an estimate of how much home you can afford.
Book an appointment at your local branch or reach out to a Mortgage Specialist.
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Partnership
Unincorporated Association
Corporations
Acceptable ID
Two pieces of ID are required, of which one must be from the Primary ID list and bear the individual’s photograph. All ID must be original, valid, and not be expired.
Primary ID:
Secondary ID:
Note: Health Cards are not accepted as valid identification
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