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Fees

The fees and services offered may vary from one caisse to another. Contact your caisse.

Regular transactions

Transaction/Operation	Personal Chequing, Build-Up Savings, Regular Savings1	High-Yield
AccèsD (Telephone, Internet or Mobile)
Payment of a bill registered in your bill file and money transfer	$0.65	$1.00
Account balance information, online statements, summary of transactions, line of credit payment	Free	Free
Desjardins ATMs
Withdrawal, transfer and payment of a bill registered in your bill file	$0.65	$1.00
Deposit, account balance information, passbook update, summary of transactions, line of credit payment	Free	Free
Additional fee for non-members    Interac    Plus or Cirrus	$3.00 $2.00	$3.00 $2.00
Teller
Cashing cheques, withdrawals, transfers	$1.25	$1.50
Bill payment	$2.25	$2.50
Deposit, account balance information accompanying a transaction, passbook update, line of credit payment	Free	Free

Account maintenance charges

Account maintenance charges may be applied to some accounts if your caisse savings and/or financing balances amount to less than $2,000.

The following charges will then apply:

Account	Fee
Passbook account
Chequing account1 without monthly fixed-rate plan	$2.00/month
Regular Savings Account	$2.00/month
Chequing account1 with monthly fixed-rate plan	Free
Account with paper monthly statement of account
Chequing account1 without monthly fixed-rate plan, including related Regular Savings Accounts	$1.00/month
Chequing account1 with monthly fixed-rate plan, including related Regular Savings Accounts	Free
Account with online monthly statement of account
All accounts	Free

1. Personal Chequing Account, Build-Up Savings Account and Distinctive Account.

Additional services

Service	Fee
Chip debit card
Renewal or replacement of a defective card	Free
Additional card for the same folio or unnecessary replacement	$5.00 for regular delivery $10.00 for rush delivery
American Express™ single-signature traveller’s cheques	1% (min. $4.50)
Cheque retained for future cashing	$5.00
NSF cheque or item	$42.50
Certified cheque
At signatory’s request	$10.00
At payee’s request	$15.00
Safety deposit box (annual rental)1	From $40.00
Personalized cheque order1	Supplier’s fee
Confirmation of balance, fees, interest, transaction or other
By telephone or at the teller counter	$3.25
In writing	$35.00/hour
Stop payment
Counter
With complete information (date, amount and name of payee)	$13.00
With partial information	$20.00
AccèsD Internet
With complete information (date, amount and name of payee)	$12.00
With partial information	$20.00
Series of cheques or preauthorized payments	$20.00
Account overdraft
First day	$5.00
Subsequent day, if increased	$5.00
Closing an account
At the request of another financial institution	$20.00
Less than 90 days after opening	$20.00
More than 90 days after opening	Free
Inactive folio after written notice
After 1 year	$12.00
After 2 years	$25.00
After 3 years	$45.00
Cheque or other document search
Less than 90 days	$5.00 each
More than 90 days	$35.00/hour (min. $17.50)
Registered plan
Total or partial withdrawal (RRSP, LIRA)	$50.00, free for the HBP or the LLP
Total or partial lump-sum withdrawal (RRIF, LIF)	$25.00 each (1st withdrawal free)
Preauthorized transfer (RRIF, LIF)	Free
Transfer to a financial institution other than Desjardins (TFSA, RRSP, RRIF, RESP, RDSP)1	$50.001
Online statement of account
On AccèsD Internet	Free
With paper or online cheque images	$2.00
Paper statement of account
Monthly without cheque images	Free
Monthly with paper cheque images	$2.00
Monthly with online cheque images	$2.00
Weekly without cheque images	$1.00
Weekly with paper cheque images	$2.60
Weekly with online cheque images	$1.10
Money order or draft in Canadian dollars	$6.50
Reimbursement or photocopy of money order or draft (all currencies)	Between $10.00 and $50.00
Administrative tasks requested by a member, a third party or as a result of a member’s omission	$35.00/hour (min. $17.50)
Transfer
Set up of automatic transfers	Free2
On request	$5.50
Overdraft Transfer
Registration fee	Free
Monthly fee	Free
Overdraft transfer fee3	Free

1. Fees subject to GST and QST (Quebec) or HST (Ontario).
2. A $5.00 service charge applies to changes to transfers made at the teller counter.
3. Interest fees apply to your VISA Desjardins card for all cash advances.

 ™ Trademark of the American Express Company

Plans and other accounts are available. To find out more:

• The Economy Plan or The Economy Plus Plan, if you don't make many transactions
• The Autonomous Plan, if you frequently use automated services
• The Autonomous Plus Plan, for people who want even more freedom
• The Premier Plan or The Premier Plus Plan, if you make many transactions
• The Desjardins Youth Profit Account, for those aged 25 and under
• The Desjardins Merit Services, for people aged 60 and over

Foreign currency transactions

Transaction	Fee
Purchase and sale of U.S. currency
Member	Free
Non-member	$5.00
Purchase and sale of currencies other than U.S.	$5.00
Issuance of a U.S. dollar cheque on a Canadian dollar account	$15.00
Cashing or deposit of cheques, money orders or drafts in a Canadian dollar account
U.S. currency	$2.50/deposit1
Other foreign currency	$12.00/deposit2
U.S. dollar money order	$6.50
Draft in U.S. dollars or other currency	$7.00
Funds transfer
Within Canada	Between $5.00 and $50.00
Outside Canada	Between $0.00 and $80.00

1. Or cashing.
2. Fees of $12.00 apply for each deposit or cashing of more than 1 item (check, money order or draft) if these items are of the same foreign currency and country.