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Q. How do I pay my VISA Desjardins account on AccèsD?
A. To pay your VISA Desjardins account on
AccèsD:
- Log on to AccèsD.
- Click on the button in the From column next to chequing account.
- Click on the button in the To column next to your VISA Desjardins card.
- Enter an amount.
- Click on the Validate button.
- Check your transaction and click Confirm.
You can also pay your VISA Desjardins account in the Pay bills section:
- Log on to AccèsD.
- In the left-hand menu, click on Pay bills.
- Enter the amount you wish to pay.
- Select the frequency of the payment.
- Select the account from which you want to pay.
- Click on Validate.
- Check your transaction and click Confirm.
Q. How do I pay my VISA Desjardins account?
A. If you are a member of a Desjardins caisse, you can make your payment:
- At a Desjardins ATM, enter the amount for the VISA and monthly installment option.
- Online on AccèsD, click on Pay bills.
- By AccèsD Telephone.
If you are not a member of a Desjardins caisse, you can make your payment:
- on AccèsD Internet, under the Transactions/Operations tab, select Pay your account balance from the left hand menu.
- At another financial institution’s ATM, online banking site or phone banking service. You will have to allow for 3 to 5 business days for your payment to be received and processed. Check you’re your financial institution beforehand.
You can also register for the VISA Desjardins authorized payment service.
- Your monthly payment will be made automatically each month. To register, fill out and send the authorized payment service registration form to the address or fax listed on the form. When your registration is processed, you will receive a letter confirming the date of the first automatic withdrawal.
Get the authorized payment service registration form.
To register for AccèsD:
- Call 1 877 253-7350, options 9-1-2. Have your VISA Desjardins card on hand.
- Take note of your temporary password, which you will have to change the first time you use it.
Q. I would like the balance of my VISA Desjardins card to be paid automatically each month. Is it possible?
A. The VISA Desjardins Authorized Payment Service is free and allows you to pay automatically, in full or in part, your VISA Desjardins account balance. Each month, on the due date of your VISA Desjardins account, the amount corresponding to your choice of payment will be automatically withdrawn from your account.
Online on AccèsD
If you use the AccèsD Internet service, you can register for the VISA Desjardins Authorized Payment Service online:
- Log on to AccèsD.
- Click on the Cards tab.
- Select the appropriate credit card and click Access/Modify account.
- In the left-hand menu in the Account management section, click Add option(s).
- Select Authorized payment.
- Confirm your selection by entering your AccèsD password, which will be considered as your electronic signature.
If you are not an AccèsD user, or if you want the payments to be made from an account at a bank, please fill out the VISA Desjardins Authorized Payment Service registration form.
Get the authorized payment service registration form.
Fill it out and send it by fax or mail to the number or address listed on the form. Be sure to include a personal "void" cheque from the bank account from which you want the payment to be debited.
When your registration is processed, you will receive a letter confirming the date of the first automatic withdrawal.
By e-mail
If you prefer to receive the authorized payment application form by mail or by fax, please use the secure form to send us your:
- VISA Desjardins card number
- home telephone number
- date of birth
- mother's maiden name
- fax number, if needed
Fill out the form
By phone
If you don’t use AccèsD, you can call Customer Service department at 514-397-4415 or 1-800-363-3380 (toll-free). Business hours are Monday to Friday 8:00 a.m. to 8:00 p.m., Saturday to Sunday 8:30 a.m. to 5:00 p.m..
Q. I am registered for the VISA Desjardins Authorized Payment Service. If I make a payment myself, will a withdrawal still be made on the due date of my statement?
A. There are 3 payment options when you register for the authorized payment service:
- the minimum payment
- a fixed, pre-established amount
- the payment of the full balance
So, if you make a payment yourself during the month, the amount debited on the due date of your statement will depend on the payment option you chose.
Minimum payment
If you chose the minimum payment option and make a payment equal to or higher than the minimum payment due, no withdrawal will be made. However, if the amount of your payment is lower than the minimum payment due, a withdrawal will be made for the difference. For example, if the minimum payment due is $50.00 and you make a payment of $30.00, a withdrawal of $20.00 will be made.
Fixed payment
If you chose the fixed payment option, the fixed amount will be withdrawn until the balance on your monthly statement is paid. For example, if the balance of your statement is $200.00 and you set the fixed payment at $100.00, and you then made a payment of $ 150.00 during the month, a withdrawal of $100 would be made and your account would show a credit balance of $50.00.
Full payment
If you chose the full payment option and you make a payment yourself, the amount debited on the due date of your statement will depend on the total amount of purchases made since your last statement of account. For example, if the balance on your last statement is $7,000, and you haven’t made any new purchases since that statement was issued and you make a payment of $2,000, the amount debited on the due date will be $5,000.
However, if you made other transactions since your last statement of account, the amount debited on the due date will automatically pay the current balance in full, up to the balance on your statement of account. For example, if your balance is $7,000 and you made another $2,000 of purchases after your last statement date, and then make a payment of $5,000, the amount debited on your due date will be of $4,000.
Please note that if the amount of the transactions you make after your last statement of account is equal to or higher than your statement balance, the amount debited will be the balance of your last statement. For example, if the balance on your last statement is $7,000 and you spent another $8,000 after your statement date, and make a $2,000 payment, the amount debited will be $7,000.
Additional information
These situations apply only if payments are received at least 48 business hours before the statement due date. If you make a payment the last day before the statement due date, it will not change the amount automatically debited by the VISA Desjardins Authorized Payment Service.
If you want to change the type of withdrawal you chose when you registered, please advise us at least 48 business hours prior to your statement due date. Otherwise, the change will not be in effect for the current statement of account.
Q. How do I change the account where the authorized payment is withdrawn for my VISA Desjardins card?
A. To change the account from which your authorized payment is debited, send the following information to the address or fax number listed below:
- a void cheque for the new account
- your VISA Desjardins account number
- the reason for your request
Fax: 514-397-0404 or 1-888-875-0444 (toll-free)
Desjardins Card Services
425 avenue Viger Ouest
Montréal (Quebec)
H2Z 1W5
Please note that your request will be processed within 48 business hours following the receipt of your void cheque. If your statement due date falls before this 48-hour period is up, the change will be effective on your next statement of account.
Q. I mistakenly made a payment on my VISA Desjardins account. How can I get my money back?
A. You have two options if you made a payment on your VISA Desjardins card by mistake:
- Contact your caisse and ask for a payment reversal.
- Make a cash advance.
Make sure that you have a credit balance on your VISA Desjardins account before making a cash advance to avoid interest charges.
To get a cash advance:
- Log on to AccèsD.
- Check the From button next to your VISA Desjardins card.
- Check the To button next to your Personal Chequing Account.
- Enter the amount.
- Click the Validate button.
- Check your transaction and click the Confirm button.
If you do not use AccèsD, you won’t be able to make cash advances online. You can go to your caisse or ATM.
Remember that if you carry a balance on your VISA Desjardins card, cash advances are subject to credit charges, calculated as of the date of its appearance on the statement of account until fully paid. Credit charges are calculated at the annual interest rate in force for the period included on the statement of account.
Credit charges apply to cash advances made online, at ATMs or at tellers of any financial institution.
Q. How are the payments I make on my VISA Desjardins card applied?
A. Any payment received shall be applied first to:
- Credit charges.
- Capital on purchases and cash advances made under the equal installment program.
- Cash advances and cheques from a previous period.
- Purchases that carry credit charges.
- Cash advances and cheques for the statement period.
- Purchases recorded during the statement period.
Q. How are credit charges calculated if I don’t pay the full balance of my monthly statement of account?
A. Credit charges won’t apply to purchases appearing on the statement of account if the full balance is paid by the due date.
However, if the balance of your previous statement of account hasn’t been paid in full, the purchases that appear on this statement will be subject to credit charges. They will be calculated from the date they are posted to the statement of account to the date they are paid in full and based on the annual interest rate in effect for the statement period. In other words, credit charges are based on the purchases that appeared on the previous statement period, and take into account any payments that have been made.
Credit charges for cash advances and VISA cheques are calculated daily (from the moment the withdrawal is made or the cheque is cashed) until the payment is received in full.
Consult your variable credit agreement for examples of credit charge calculations.
Q. I have an Accord D equal payment financing plan. How do I pay my monthly instalment?
A. Monthly Accord D instalments are automatically transferred to your current VISA Desjardins credit card balance. This means that by paying the minimum amount due on your bill, you also pay your Accord D monthly instalment.
You can make your monthly payment online, at an ATM or by mail.
After you pay your monthly installment, you can apply an additional amount directly to the Accord D financing plan (a principal payment) on AccèsD, at the ATM or by mail (use the detachable stub).
Find out more about Payment options.
Q. I have a deferred Accord D financing plan. How do I start making payments immediately?
A. When you have a deferred payment financing plan, you are not required to make payments before the plan due date. However, you can make principal payments at any time. On
AccèsD, or at a Desjardins ATM, select
Accord D – Plan xxx.
Plan xxx is the number of the plan for which you want to make a principal payment. If you send your payment by mail, use the detachable stub labeled
Accord D Desjardins and write in the number of the financing plan.
Find out more about Payment options
Q. How do I pay my VISA Desjardins account on AccèsD?
A. To pay your VISA Desjardins account on
AccèsD:
- Log on to AccèsD.
- Click on the button in the From column next to chequing account.
- Click on the button in the To column next to your VISA Desjardins card.
- Enter an amount.
- Click on the Validate button.
- Check your transaction and click Confirm.
You can also pay your VISA Desjardins account in the Pay bills section:
- Log on to AccèsD.
- In the left-hand menu, click on Pay bills.
- Enter the amount you wish to pay.
- Select the frequency of the payment.
- Select the account from which you want to pay.
- Click on Validate.
- Check your transaction and click Confirm.
Q. How do I pay my VISA Desjardins account?
A. If you are a member of a Desjardins caisse, you can make your payment:
- At a Desjardins ATM, enter the amount for the VISA and monthly installment option.
- Online on AccèsD, click on Pay bills.
- By AccèsD Telephone.
If you are not a member of a Desjardins caisse, you can make your payment:
- on AccèsD Internet, under the Transactions/Operations tab, select Pay your account balance from the left hand menu.
- At another financial institution’s ATM, online banking site or phone banking service. You will have to allow for 3 to 5 business days for your payment to be received and processed. Check you’re your financial institution beforehand.
You can also register for the VISA Desjardins authorized payment service.
- Your monthly payment will be made automatically each month. To register, fill out and send the authorized payment service registration form to the address or fax listed on the form. When your registration is processed, you will receive a letter confirming the date of the first automatic withdrawal.
Get the authorized payment service registration form.
To register for AccèsD:
- Call 1 877 253-7350, options 9-1-2. Have your VISA Desjardins card on hand.
- Take note of your temporary password, which you will have to change the first time you use it.
Q. I would like the balance of my VISA Desjardins card to be paid automatically each month. Is it possible?
A. The VISA Desjardins Authorized Payment Service is free and allows you to pay automatically, in full or in part, your VISA Desjardins account balance. Each month, on the due date of your VISA Desjardins account, the amount corresponding to your choice of payment will be automatically withdrawn from your account.
Online on AccèsD
If you use the AccèsD Internet service, you can register for the VISA Desjardins Authorized Payment Service online:
- Log on to AccèsD.
- Click on the Cards tab.
- Select the appropriate credit card and click Access/Modify account.
- In the left-hand menu in the Account management section, click Add option(s).
- Select Authorized payment.
- Confirm your selection by entering your AccèsD password, which will be considered as your electronic signature.
If you are not an AccèsD user, or if you want the payments to be made from an account at a bank, please fill out the VISA Desjardins Authorized Payment Service registration form.
Get the authorized payment service registration form.
Fill it out and send it by fax or mail to the number or address listed on the form. Be sure to include a personal "void" cheque from the bank account from which you want the payment to be debited.
When your registration is processed, you will receive a letter confirming the date of the first automatic withdrawal.
By e-mail
If you prefer to receive the authorized payment application form by mail or by fax, please use the secure form to send us your:
- VISA Desjardins card number
- home telephone number
- date of birth
- mother's maiden name
- fax number, if needed
Fill out the form
By phone
If you don’t use AccèsD, you can call Customer Service department at 514-397-4415 or 1-800-363-3380 (toll-free). Business hours are Monday to Friday 8:00 a.m. to 8:00 p.m., Saturday to Sunday 8:30 a.m. to 5:00 p.m..
Q. I am registered for the VISA Desjardins Authorized Payment Service. If I make a payment myself, will a withdrawal still be made on the due date of my statement?
A. There are 3 payment options when you register for the authorized payment service:
- the minimum payment
- a fixed, pre-established amount
- the payment of the full balance
So, if you make a payment yourself during the month, the amount debited on the due date of your statement will depend on the payment option you chose.
Minimum payment
If you chose the minimum payment option and make a payment equal to or higher than the minimum payment due, no withdrawal will be made. However, if the amount of your payment is lower than the minimum payment due, a withdrawal will be made for the difference. For example, if the minimum payment due is $50.00 and you make a payment of $30.00, a withdrawal of $20.00 will be made.
Fixed payment
If you chose the fixed payment option, the fixed amount will be withdrawn until the balance on your monthly statement is paid. For example, if the balance of your statement is $200.00 and you set the fixed payment at $100.00, and you then made a payment of $ 150.00 during the month, a withdrawal of $100 would be made and your account would show a credit balance of $50.00.
Full payment
If you chose the full payment option and you make a payment yourself, the amount debited on the due date of your statement will depend on the total amount of purchases made since your last statement of account. For example, if the balance on your last statement is $7,000, and you haven’t made any new purchases since that statement was issued and you make a payment of $2,000, the amount debited on the due date will be $5,000.
However, if you made other transactions since your last statement of account, the amount debited on the due date will automatically pay the current balance in full, up to the balance on your statement of account. For example, if your balance is $7,000 and you made another $2,000 of purchases after your last statement date, and then make a payment of $5,000, the amount debited on your due date will be of $4,000.
Please note that if the amount of the transactions you make after your last statement of account is equal to or higher than your statement balance, the amount debited will be the balance of your last statement. For example, if the balance on your last statement is $7,000 and you spent another $8,000 after your statement date, and make a $2,000 payment, the amount debited will be $7,000.
Additional information
These situations apply only if payments are received at least 48 business hours before the statement due date. If you make a payment the last day before the statement due date, it will not change the amount automatically debited by the VISA Desjardins Authorized Payment Service.
If you want to change the type of withdrawal you chose when you registered, please advise us at least 48 business hours prior to your statement due date. Otherwise, the change will not be in effect for the current statement of account.
Q. How do I change the account where the authorized payment is withdrawn for my VISA Desjardins card?
A. To change the account from which your authorized payment is debited, send the following information to the address or fax number listed below:
- a void cheque for the new account
- your VISA Desjardins account number
- the reason for your request
Fax: 514-397-0404 or 1-888-875-0444 (toll-free)
Desjardins Card Services
425 avenue Viger Ouest
Montréal (Quebec)
H2Z 1W5
Please note that your request will be processed within 48 business hours following the receipt of your void cheque. If your statement due date falls before this 48-hour period is up, the change will be effective on your next statement of account.
Q. I mistakenly made a payment on my VISA Desjardins account. How can I get my money back?
A. You have two options if you made a payment on your VISA Desjardins card by mistake:
- Contact your caisse and ask for a payment reversal.
- Make a cash advance.
Make sure that you have a credit balance on your VISA Desjardins account before making a cash advance to avoid interest charges.
To get a cash advance:
- Log on to AccèsD.
- Check the From button next to your VISA Desjardins card.
- Check the To button next to your Personal Chequing Account.
- Enter the amount.
- Click the Validate button.
- Check your transaction and click the Confirm button.
If you do not use AccèsD, you won’t be able to make cash advances online. You can go to your caisse or ATM.
Remember that if you carry a balance on your VISA Desjardins card, cash advances are subject to credit charges, calculated as of the date of its appearance on the statement of account until fully paid. Credit charges are calculated at the annual interest rate in force for the period included on the statement of account.
Credit charges apply to cash advances made online, at ATMs or at tellers of any financial institution.
Q. How are the payments I make on my VISA Desjardins card applied?
A. Any payment received shall be applied first to:
- Credit charges.
- Capital on purchases and cash advances made under the equal installment program.
- Cash advances and cheques from a previous period.
- Purchases that carry credit charges.
- Cash advances and cheques for the statement period.
- Purchases recorded during the statement period.
Q. How are credit charges calculated if I don’t pay the full balance of my monthly statement of account?
A. Credit charges won’t apply to purchases appearing on the statement of account if the full balance is paid by the due date.
However, if the balance of your previous statement of account hasn’t been paid in full, the purchases that appear on this statement will be subject to credit charges. They will be calculated from the date they are posted to the statement of account to the date they are paid in full and based on the annual interest rate in effect for the statement period. In other words, credit charges are based on the purchases that appeared on the previous statement period, and take into account any payments that have been made.
Credit charges for cash advances and VISA cheques are calculated daily (from the moment the withdrawal is made or the cheque is cashed) until the payment is received in full.
Consult your variable credit agreement for examples of credit charge calculations.
Q. I have an Accord D equal payment financing plan. How do I pay my monthly instalment?
A. Monthly Accord D instalments are automatically transferred to your current VISA Desjardins credit card balance. This means that by paying the minimum amount due on your bill, you also pay your Accord D monthly instalment.
You can make your monthly payment online, at an ATM or by mail.
After you pay your monthly installment, you can apply an additional amount directly to the Accord D financing plan (a principal payment) on AccèsD, at the ATM or by mail (use the detachable stub).
Find out more about Payment options.
Q. I have a deferred Accord D financing plan. How do I start making payments immediately?
A. When you have a deferred payment financing plan, you are not required to make payments before the plan due date. However, you can make principal payments at any time. On
AccèsD, or at a Desjardins ATM, select
Accord D – Plan xxx.
Plan xxx is the number of the plan for which you want to make a principal payment. If you send your payment by mail, use the detachable stub labeled
Accord D Desjardins and write in the number of the financing plan.
Find out more about Payment options
By e-mail
By phone
