Business professionals

As a professional, you need financial solutions that take into account every facet of your life. The Distinctive Offer provides a complete range of financial products and services that will help you reach your financial goals.

Your spouse can enjoy the same benefits1, provided he or she is a member of your caisse.

The Desjardins Distinctive Offer is designed for the following professionals:

  • Actuaries
  • Lawyers
  • Accountants
  • Engineers
  • Notaries

Exclusive benefits

Financial transactions
Plan with unlimited transactions at $7.95 a month2 (savings of $14 compared with the Premium Plus Plan), using any access method (automated services3, cheques and teller services), including the following services:
  • Personalized cheques (100 cheques a year, Desjardins model)
  • Cheque certification (unlimited)
  • Single-signature American Express4 traveller’s cheques (unlimited)
  • Drafts and money orders (unlimited)
  • Basic safety deposit box5
  • Return of paper cheque images, for members with account statements only

The plan is free of charge if the required minimum monthly account balance of $5,000 is maintained.

Desjardins Quick Transfer
No charge on transfers of Canadian currency accounts with the Desjardins Quick Transfer service.

Find out more about the Desjardins Quick Transfer service.

Overdraft protection
Cover your eligible caisse account, at no charge6, if there are insufficient funds using your VISA Desjardins card7.

Find out more about overdraft protection.

VISA Desjardins card
  • VISA8 Desjardins Platinum card with rewards program providing up to 2% in BONUSDOLLARSTM on purchases charged to the account and an annual cashback of 1% on purchases over $20,0009.

Find out more about the VISA Desjardins Platinum card.

  • Annual cashback of 50% of your card’s annual fees in BONUSDOLLARS with the EleganceTM GOLD (with BONUSDOLLARS), ModuloTM GOLD and OdysseyTM GOLD cards.

Find out more about the VISA Desjardins credit cards.

Please note that certain VISA Desjardins cards have an annual fee.

Investments
Guaranteed fixed-rate investment products
Minimum bonus of 0.30% over posted rates.
Disnat online brokerage
  • Free 6-month Disnat GPS trial.
  • No administration fees for the 1st year10 when opening a registered account.
  • Up to $135 cashback on transfer fees for portfolios of over $15,000.

Find out more about Disnat.

Desjardins Securities11
  • No administrative fees for the 1st year when opening a registered account.
  • $100 rebate on applicable commissions the 1st month following the account opening.
  • Transfer fees12 reimbursed on accounts from the competition.

Find out more about Desjardins Securities.

Desjardins Private Management13
Fee discount of:
  • 20% on financial and tax planning
  • 10% on professional incorporation
  • 10% the 1st year on discretionary portfolio management
  • 10% on estate settlement
  • 10% the 1st year on administrative management

Find out more about Desjardins Private Management.

Financing
Personal loans
Additional 1% rate reduction.

Find out more about personal loans.

Lines of credit
Prime rate plus 0.50% granted on personal line of credit, Investor STRATEGIC Line of Credit14 and Versatile Line of Credit15.

Find out more about lines of credit.

Mortgages
  • Prime rate less 0.30% on reduced variable rate and other discounts offered by your caisse advisor.
  • Discount of 1% or best offer on 5-year fixed rate.
  • Reimbursement of up to $850 on notary fees, in Quebec, or lawyer fees, in Ontario, for all new files.
  • Reimbursement of up to $300 on chartered appraisal fees, if required.

Find out more about mortgages.

Taxes
Cash damming technique at no charge.

Find out more about the cash damming technique.

Insurance (Quebec only)
Auto and home insurance.
Preferential rates
Life, health and disability insurance
Access to an extensive range of highly specialized insurance.

For more information
At the branch At the branch
Make an appointment with an advisor at a branch.
At a Desjardins Business Centre At a Desjardins Business Centre
Make an appointment with an account manager at a Desjardins Business Centre.
At Carrefour Desjardins At Carrefour Desjardins
Located in downtown Montreal, Carrefour Desjardins provides services complementary to those of the caisse network.

Make an appointment with a Carrefour Desjardins advisor:
Find out more about Carrefour Desjardins.

Conditions apply to all products and services.
Financing offers (VISA Desjardins cards, payment options and all other forms of financing) are subject to credit approval.

  1. Except VISA Desjardins cards.
  2. Rate in effect as of July 1, 2011.
  3. For withdrawals from non-Desjardins ATMs in the Interac* and Plus8 networks, service charges apply.
  4. Registered trademark of American Express Company.
  5. Depending on availability.
  6. No sign up fees, monthly fees or transaction fees. The applicable fee is the credit charge for cash advance, calculated at the interest rate of the VISA Desjardins card as of the time the cash advance is granted.
  7. Subject to the available credit limit.
  8. VISA Int./Fédération des caisses Desjardins du Québec, authorized user
  9. The 1% cashback is paid on annual purchases made on the VISA Desjardins Platinum card starting at C$20,000 up to a maximum of C$100,000 per account, for a maximum of $800 per year. The cashback is credited to the account on the anniversary date of the account opening. If the account is closed before the anniversary date of the account opening, no cashback will be paid. If the cardholder’s account is 90 or more days past due and/or if the VISA Platinum card is cancelled by the FCDQ, the cardholder loses his right to the 1% annual cashback and no deposit will be made.
  10. No administration fees if the Registered Retirement Savings Plan or Locked-In Retirement Account market value is more than $15,000 or if that of the Registered Retirement Income Fund or Life Income Fund is more than $25,000.
  11. Desjardins Securities is a member of the Canadian Investor Protection Fund.
  12. Applies to transfers of $50,000 and up only. The minimum balance after the transfer must be $100,000.
  13. Desjardins Private Management is a trademark that represents legal entities of Desjardins Investment Management and Desjardins Trust. All services are offered by financial planning firm Desjardins Trust, with the exception of discretionary portfolio management, offered by Desjardins Investment Management, a full-service advisory firm. Certain Desjardins Private Management services are not available in Ontario. Ask your advisor.
  14. In Quebec only.
  15. For financing of at least $100,000. This line of credit is guaranteed by a 1st-rank immovable hypothec.

TM Elegance, Modulo, Odyssey and BONUSDOLLARS are registered trademarks of Fédération des caisses Desjardins du Québec.
* Trademark of Interac Inc. Used under licence.
** Trademark of MasterCard International Inc.

NB: May not be combined with any other offer or promotion. Content of the Distinctive Offer may change without prior notice.

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