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How we protect you

Desjardins adheres to industry best practices to ensure the security of your personal information when you make your transactions.

Identification and authentication

Desjardins ensures its members assets are secure by systematically identifying and authenticating its members before they carry out transactions online or at the ATM.

To prevent fraud or following a case of identity theft, we will ask you to show your Desjardins Access Card when making transactions at a caisse or Desjardins Business Centre. Two recognized identification documents may also be required. You will have to show original valid ID; no photocopies are accepted. See the list of identification documents (PDF, 16 KB).

Phishing fraud

Our systems run 24 hours a day, 7 days a week, which enables us to act quickly if we detect fraudulent email.

Furthermore, we follow up on each seemingly fraudulent email that you send us.

Learn more about phishing.

Cloning and card fraud (skimming)

We are equipped with additional security systems that check your identity when you use your Desjardins Access Card at an ATM. In addition to your personal identification number (PIN), you may be asked to enter your birth date when you make some transactions.

Desjardins employees are not authorized to ask for your password or PIN.

Debit card

If your debit card is lost or stolen, we deactivate it as soon as you call us. Your caisse will issue you a new Desjardins Access Card.

Credit card

To report the loss or theft of your Visa Desjardins credit card, you can contact us 24/7 and we'll see to it that a new credit card is issued right away.

Learn more about credit and debit card fraud.

Computer virus fraud

Test your knowledge and the security of your computer:

Identity theft

Among the many Desjardins assistance services available, Identity Theft Assistance is offered at no extra cost to all individual members.

Learn more about Identity Theft Assistance and identity theft.

Cheque fraud

Desjardins cheques have many security features that comply with the Canadian Payments Association's best practices and standards.

Find out more about cheque fraud.

To protect the integrity of the information you send when you make transactions on AccèsD or AccèsD Affaires, Desjardins has set up several security measures.

  • AccèsD and AccèsD Affaires secure log-on procedure
  • 128-bit encryption
  • Automatic termination of a session
  • Cookies
  • Digital certificates
  • Firewall

Learn more about security measures

The Guaranteed 100% Secure program

The Guaranteed 100% Secure program ensures that you are refunded money lost if you are a victim of fraud done online or with your Desjardins Access Card, as long as you:

  • abide by the online services and the Desjardins Access Card terms of use
  • do not disclose your access codes, passwords or PINs to anyone and protect your personal computer equipment
  • advise us immediately if you are a victim of fraud and cooperate with us in our investigation

The Guaranteed 100% Secure program is offered at no charge to our individual and business members and clients.

Learn more about refunds in the event of fraud

At Desjardins, we take several measures to protect your personal information:

  1. We do not divulge any information about our members without their consent.
  2. Desjardins employees are not authorised to ask for your password or PIN.
  3. Never disclose any personal information over the phone, including debit card numbers, birthdates and social insurance numbers, except during the usual authentication procedure when you contact us.
  4. Desjardins does not solicit members for personal and confidential information by email or otherwise.

For more information, read the following sections:

Desjardins transaction sites optimized for mobile devices require authentication and are secure and offer the same security and protection as the full sites, like data encryption and security questions.

Desjardins mobile services users are protected by:

  • A firewall and intrusion detection software.
  • Data encryption to protect the information sent on the Internet.
  • Internationally-recognized security standards and practices.

Smart phones and tablets: a goldmine of valuable information

Protect against unauthorized access to your personal information

  • Password protect your device and be sure to avoid using obvious codes or birth dates.
  • Activate the auto-lock feature after a short period of inactivity (max: 5 minutes).
  • Activate the remote wipe or GPS feature, if available.
  • In the event that you sell or repair your device, save your data and restore the device to its factory settings, making sure that your personal data is erased.

Protect your mobile device

  • Deactivate your wireless features, both Bluetooth and WiFi, if you don't use them.
  • Update your system and software.
  • Download applications only from recognized companies and organizations.

The Guaranteed 100% Secure program

The Guaranteed 100% Secure program ensures that you are refunded money lost if you are a victim of fraud done online (on the Web or on your mobile device) or with your Desjardins Access Card, as long as you:

  • abide by the online services and the Desjardins Access Card terms of use
  • do not disclose your access codes, passwords or PINs to anyone and protect your personal computer equipment
  • advise us immediately if you are a victim of fraud and cooperate with us in our investigation

The Guaranteed 100% Secure program is offered at no charge to our individual and business members and clients.

Find out more
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