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Tips for reducing your service charges

Choose one of our fixed monthly fee plans
How to reduce your service charges
Use the How to reduce your service charges simulator to find out which account or plan is best suited to your needs.
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 about our accounts

Sign up for AccèsD

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 about AccèsD Internet

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).
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 about 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 about paying your bills online
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 the benefits of using your Desjardins Access Card
Opt for direct deposit

You can easily have your salary, old age security pension, family allowance, welfare benefits and annuity payments deposited directly in your account, from the comfort of your home.
Find out more about direct deposit
Ask for a Desjardins Line of Credit

Avoid bouncing cheques and NSF charges by applying for a Desjardins Line of Credit.
Find out more about lines of credit
Choose automatic transfers

You can avoid having to issue 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.
Get a VISATM 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)3 or a VISA Desjardins Classic card with the BONUSDOLLARS option, you are entitled to the Desjardins BONUSDOLLARS rewards program.
Find out the advantages of each of the VISA Desjardins credit cards

2. Registered trademark of Interac Inc. Used under licence.
3. Fédération des caisses Desjardins du Québec, authorized user of these trademarks.

Find out more

See the Reference guide – Fees and frequently used services for individual members of the Québec Desjardins caisses (PDF, 254 KB) or the Reference guide – Fees and frequently used services for individual members of caisses populaires affiliated with the Fédération des caisses populaires de l’Ontario inc. (PDF, 255 KB).

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