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Frequently asked questions about D Capital Solution (FAQ)

Available only to Quebec students.

Q. What happens to the principal payments on my Student STRATEGIC Line of Credit if I don't find a job right away when I finish school?

A. You must begin paying back the principal no later than 12 months after you finish your full-time studies. However, interest is still payable monthly just like when you were still in school.

The D Capital Solution is offered only to students in Quebec

Q. Is the Student STRATEGIC Line of Credit offered in all Desjardins caisses?

A. The Student STRATEGIC Line of Credit is offered only in participating Desjardins caisses in Quebec.

Contact an advisor at your caisse.

The D Capital Solution is offered only to students in Quebec.

Q. Do I pay interest on the authorized limit of my Student STRATEGIC Line of Credit or only on the amount I've used?

A. Interest is due monthly only on the amount you've borrowed.

The D Capital Solution is offered only to students in Quebec.

Q. Can I have a Student STRATEGIC Account without having a Student STRATEGIC Line of Credit?

A. The Student STRATEGIC Account is offered only to members who have a Student STRATEGIC Line of Credit, as this account is used to access the line of credit.

The D Capital Solution is offered only to students in Quebec.

Q. The D Capital Solution includes many products and services. Can I choose only some of the products or do I have to take them all?

A. The D Capital Solution was developed to meet the needs of people in specific fields of study and includes some exclusive advantages. Since individual needs can vary, you can choose the products that best suit you and your situation (except for the Student STRATEGIC Account which is offered only with the Student STRATEGIC Line of Credit).

The D Capital Solution is offered only to students in Quebec.

Q. To get a Student STRATEGIC Line of Credit, members need to have life insurance. Does the insurance have to be with Desjardins?

A. You can take out life insurance with the insurer and representative of your choice as long as the insurance meets caisse approval. If you don't already have life insurance, Desjardins Financial Security offers an attractive insurance option: Line of Credit Insurance.

Find out more about Line of Credit Insurance.

The D Capital Solution is offered only to students in Quebec.

Q. The Student STRATEGIC account is a no-fee account. Does this include all transactions?

A. No service charges apply to transactions made on Desjardins ATMs, by direct payment or with teller assistance. What's more, unlike several financial institutions, there are no service charges for the use of the AccèsD online transaction service. This account is offered exclusively to members who opt for the Student STRATEGIC Line of Credit.

Find out more about AccèsD.