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Personal Chequing Account

Quick facts

Account type: chequing account
Interest rate: no interest is payable on the primary chequing account
Fees: none if minimum monthly balance for selected plan is maintained (otherwise standard transaction fees apply)
Insured deposits: up to $100,000 per person per caisse

People who need an account for all their regular transactions.

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


Transactions	Deposits, withdrawals, cheques, transfers, bill payments and debit card purchases.

Access to your account	You can use your Desjardins Access Card (debit card) to make all your regular transactions at Desjardins caisses, ATMs and, at any time, on AccèsD Internet and Telephone. Find out more about: AccèsD Internet the Desjardins Access Card

Monthly fixed-rate plans	You can choose one of our fixed-rate monthly plans and, if you maintain the appropriate minimum monthly balance in your account, your plan won't cost you anything. Find out more about available plans.

Account statement	Get free monthly statements of account by mail or online. Find out more about monthly statements of accounts.

Insured deposits	Deposits insured up to $100,000 per person per caisse. In Ontario, Canadian dollar deposits are insured up to $100,000 by the Deposit Insurance Corporation of Ontario. Find out more about deposit insurance (FAQ).

Overdraft protection	You can add overdraft protection to your account (Canadian currency only) to cover transactions that exceed the balance available in your account using an automatic cash advance from your VISA Desjardins credit card. Find out more about: overdraft protection accounts eligible for overdraft transfers

Other	Desjardins Savings-Life Insurance available. Find out more about Savings-Life Insurance. Eligible for potential member dividends. Find out more about member dividends.




	At the caisse	Members Make an appointment with a caisse advisor: online by phone Non-members To open an account, you must first become a member of a caisse.