[Close]

Home > Money tips > Manage your daily finances > Step 2 – Draw up a monthly budget > How to reduce your service charges

How to reduce your service charges

Choose one of our fixed monthly fee plans

Use the Account and Plan Selector to find the account and plan that are best for you.

Consolidate your accounts

Maintaining a higher balance in your accounts is an advantage: your plan could cost you nothing if you maintain the appropriate minimum monthly balance in your account. To do so, consolidate all your accounts into a single one.

Find out more

See Accounts.

AccèsD Internet makes it easier to manage your personal finances. This free online transactional service is accessible from anywhere in the world at any time¹.

Find out more

See AccèsD Internet.

Use Desjardins ATMs

Make your regular transactions at Desjardins ATMs and save up to 40% on the fees that apply when you make them at the teller counter.
Try to use Desjardins ATMs as often as possible since additional fees apply when you make withdrawals at other ATMs (Interac² network).
Locate a Desjardins ATM

Automate your bill payments

Opt for direct withdrawal to pay your regular bills.

Find out more

See Direct withdrawal.

Open a bill payment file at your caisse or by calling AccèsD services. You can then pay your bills at the ATM quickly and easily. This will save you up to 73% on the service charges that apply to ATM payments of bills that are not registered in your file.
Pay your bills safely through AccèsD (Internet or Telephone) from the comfort of your home. You can even program your payments in advance.

Find out more

See Bill payments.

Use direct payment

Direct payment service charges for using your Desjardins Access Card are up to 35% lower than the fees that apply to payments by cheque or withdrawals at the counter.
Many stores also let you make withdrawals at the same time as your purchases.

Find out more

See Desjardins Access Card.

Opt for direct deposit

You can easily have your salary, family allowance, welfare benefits and annuity payments deposited directly in your account, from the comfort of your home.

Find out more

See Direct deposit.

With the Overdraft Transfer service, you can use the available credit on your VISA Desjardins card to cover a cheque, bill payment, or any other transaction that exceeds the balance in your Personal Chequing Account³ (PCA) or any other eligible account. You will avoid any charges for insufficient funds.

Find out more

See Overdraft Transfer.

Choose automatic transfers

You can avoid having to issue a series of cheques and transfer money between your accounts in a single folio or between folios held in 1 or more caisses. You won't have to pay fees for transfers between accounts in the same folio.

Find out more

See Transfers.

Get a VISA Desjardins credit card

When you pay with your VISA Desjardins card, you avoid paying with cheques and you save related fees.
If you have a VISA Prestige card (Desjardins Platinum, Desjardins Odyssey GOLD, Desjardins Modulo GOLD, Desjardins Elegance GOLD) or a VISA Desjardins Classic card with the BONUSDOLLARS option, you are entitled to the Desjardins BONUSDOLLARS rewards program.

Find out more

See VISA Desjardins credit cards.

Find out more

See the Reference guide – Fees and frequently used services for individual members (PDF, 345 KB).

1. The service is available 24 hours a day, 7 days a week (except on Sundays, from 2:00 a.m. to 6:00 a.m., EDT).
2. Registered trademark of Interac Inc. Used under licence.
3. Certain accounts cannot be linked to your VISA Desjardins card.

Money question

Do you know where you currently stand financially?

A few statistics

Institut de la statistique du Québec, 2007:

Average rate of consumer debt: 36.2% (debt to disposable income ratio).
Average personal savings rate: 5% (savings to disposable income ratio).