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Desjardins Debit Card

Use your debit card for seamless in-store purchases and ATM and AccèsD transactions.

What's a debit card?

You can get a free Desjardins Debit Card upon request. In some cases, you may be required to pay a fee, such as when you request an additional card. 1

What's the difference between a debit and a credit card? Although both can be used to pay for purchases, a debit card links to your account and lets you spend your own money immediately, while a credit card lets you borrow money now that you'll have to pay back later.

You can also use your debit card number to log in to AccèsD and manage your finances online.

How to use your debit card

When you receive your first Desjardins Debit Card, call us at 1-800-224-7737 Phone number of customer service for Canada and the US. This link opens your phone app. (1-800-CAISSES) or go to a caisse or branch to activate it.

To pay for purchases, insert your card into the terminal and enter your personal identification number (PIN). There are a number of other ways to use it:

Contactless payment

Pay for purchases of up to $250 with one tap wherever Interac Debit® contactless payment is available.

Mobile payments

Add your debit card to your e-wallet and pay with Apple Pay® or Google Pay®.

Cash payments

Prefer to use cash? Use your debit card to withdraw or deposit money at an ATM or at the teller counter.

Pay with contactless payment

  • 1. Get ready to pay

    Look for the 4 arcs of the contactless payment symbol on the payment terminal. 2

  • 2. Tap your card

    Place your debit card or mobile phone in the designated zone close to the secure reader.

  • 3. Wait for confirmation

    Wait for the terminal to beep or display an approval message. The money is deducted from your account immediately.

Good to know

Once you reach $400 in contactless transactions, you'll need to insert your card in the terminal and enter your PIN on the keypad to increase the security of your card.

Direct payment and ATM withdrawal limits

Daily limits on direct payments using the chip or on contactless payments may be different from those for ATM withdrawals. There are 2 different types of daily limits.

  • A permanent limit is the maximum amount per day you can use to make purchases, purchases with withdrawal or standard ATM withdrawals.
  • A temporary limit is the maximum amount per day you can use for a limited period of 1 to 5 days to cover upcoming purchases, purchases with withdrawal or ATM withdrawals that exceed your permanent limit.

If the ATM or merchant payment terminal has its own limit that's lower than the transaction limit on your account, the lower limit will be applied.

View or modify your daily limits

Personalize your daily limit for debit card purchases and ATM withdrawals to better meet your needs. You can view your limits and increase your temporary limit on AccèsD.

View your limits

  1. Choose the account.
  2. Select Information..
  3. Select ATM withdrawal limit or Direct payment limit.

Change your temporary limit

  1. Choose the account.
  2. Select Information.
  3. Under Daily limits, select ATM withdrawal limit or Direct payment limit.
  4. Under Temporary limit, select Enable.
  5. Fill in the fields and select Continue.
  6. Read the terms of use, then select Accept. You'll get a confirmation message.

If the feature is unavailable, you need assistance or want to change your permanent limit, call us at 1-800-224-7737 Phone number of customer service for Canada and the US. This link opens your phone app. (1-800-CAISSES)

 

Direct payment limit using the chip or contactless
payment

 Interac Debit direct payment limit using the chip
Interac Debit direct payment limit using the chip Amount
Limit per transaction Your default or personalized limit
Default permanent daily limit $1,000 3
Personalized daily limit Between $0 and your available account balance
 Interac Debit contactless payment limit
Interac Debit contactless payment limit Amount
Limit per transaction $250
Default permanent daily limit $1,000 3
Personalized daily limit Between $0 and your available account balance

ATM withdrawal limit

You can use your debit card to make withdrawals at ATMs within Canada and abroad. For more information on fees, see the Service fees page.

 Within Canada - Desjardins or Interac network ATMs
Within Canada - Desjardins or Interac network ATMs Amount
Limit per transaction $1,000
Default permanent daily limit $1,000 3
Personalized daily limit Between $0 and $2,500
 Within Canada – AccuLink network
Within Canada – AccuLink® network Amount
Limit per transaction $300
Default permanent daily limit $1,000 3
Personalized daily limit Between $0 and $2,500
 Internationally – PLUS* network
Internationally – PLUS* network Amount
Limit per transaction $500
Default daily limit $1,000 3
Personalized daily limit Between $0 and $2,500

7 tips to protect your debit card

The electronic chip, transaction limits and PIN are measures that enhance the security of your debit card transactions. You can also help keep your account secure by following a few simple rules.

  • Never lend your card or give your PIN to anyone.
  • Memorize your PIN. Don't write it down anywhere—especially on your card.
  • Always keep your eye on your card during transactions.
  • Hide the keypad from view when entering your PIN.
  • Don't enter your PIN a second time without first checking that the previous transaction was cancelled.
  • At the end of the transaction, take your card and get a transaction receipt.
  • Beware of phone scams.

Lost or stolen card?

Before calling us, you can log in to AccèsD and use the Lock card feature to temporarily lock your card and prevent fraudulent transactions.

Fraud protection

Useful information

FAQ

I left my debit card in an ATM. What should I do?

If you forget your debit card at an ATM, call us at 1-800-224-7737 Phone number of customer service for Canada and the US. This link opens your phone app. (1-800-CAISSES). For security reasons and to protect your account, we may have to destroy your card and send you a new one.

Lock your debit card on AccèsD

I entered my PIN incorrectly 3 times, and now my card is suspended! What should I do?

For security reasons, your debit card will be blocked if you enter your PIN incorrectly 3 times in a row. To reactivate your card, you'll need to go to any Desjardins caisse or branch with 2 pieces of valid ID, including at least one signed photo ID. If you can't come to us, contact us at 1-800-224-7737 Phone number of customer service for Canada and the US. This link opens your phone app. (1-800-CAISSES) and we'll replace your card remotely.

How do I change my debit card PIN?

You can change your PIN 24/7 at any of our ATMs by following these steps:

  1. From the main menu, select Balance, statement, PIN change or repayment.
  2. Select PIN change.
  3. Follow the instructions.

You can also change your PIN at a caisse or branch. Alternatively, you can call us at 1-800-224-7737 Phone number of customer service for Canada and the US. This link opens your phone app. (1-800-CAISSES) to replace your card and get a new PIN by mail.

Can I use my debit card when I travel outside Canada?

Yes, you can use your debit card when travelling abroad.

Look for PLUS* network ATMs. The PLUS network is like Canada's Interac network. It accepts PINs of 4 to 13 characters. Enter your 5-digit PIN as usual.

To learn more about foreign ATM fees, see the Service Fees page.

In the US, you can also withdraw money from ATMs in the NYCE® network. Direct payment is also accepted at more than 2 million businesses affiliated with NYCE.

You should always plan an alternative way to get local currency while you're travelling. Contact your caisse or branch Link to the location finder to find out about available currencies before you travel.

Apple Pay® is a registered trademark of Apple Inc. Google Pay® is a registered trademark of Google LLC. For more information, visit the Service fees page. The contactless symbol is a trademark owned by and used with permission of EMVCo, LLC. This limit may be lower in some cases. For questions, contact your advisor.