User fees for key services – Quebec

User fees for transactions

Transaction	Personal Chequing, Build-Up Savings, Regular Savings1	High-Yield
Desjardins ATMs
Withdrawal, transfer and payment of a bill registered in your bill file	$0.60	$1.00
Payment of a bill not registered in your bill file	$2.25	$2.50
Deposit, account balance information, passbook update, summary of transactions, line of credit payment	Free	Free
ATMs other than Desjardins2
Interac*	$1.50	$1.50
PLUS*	$3.00	$3.00
AccèsD Telephone and Internet
Transfer and payment of a bill registered in your bill file	$0.60	$1.00
Deposit, account balance information, passbook update, summary of transactions, line of credit payment	Free	Free
Direct (debit card) payment (Canada, United States)	$0.65	$1.00
Direct deposit, automatic transfer between accounts in the same folio	Free	Free
Direct withdrawal (preauthorized payment)	$0.60	$1.00
Automated inter-folio, inter-caisse transfer	$0.60	$1.00
Cheque	$0.75	$1.25
Teller services
Cashing of items, withdrawals or transfers	$1.00	$1.25
Bill payment	$2.25	$2.50
Deposit, account balance information while making a transaction, passbook update and line of credit payment	Free	Free

1. Cheques and direct withdrawals are not provided for in this account.

2. Service charges of $1.50 and $3.00 apply to withdrawals made at non-Desjardins ATMs in the Interac* and Plus* networks. Some ATMs may also charge additional fees.

* Fédération des caisses Desjardins du Québec, authorized user of these trademarks

Additional services

Service	Fee
American Express™ single-signature traveller’s cheques	1% (min. $4.50)
Cheque retained for future cashing	$5.00
NSF cheque or item	$37.50
Certified cheque
At signatory’s request	$10.00
At payee’s request	$15.00
Safety deposit box (annual rental)1	From $35.00
Personalized cheque order1	Supplier’s fee
Confirmation of balance, fees, interest, transaction or other
By telephone or at the teller counter	$2.50
In writing	$30.00/hour
Stop payment
With complete information	$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
Less than 90 days after opening	$15.00
More than 90 days after opening	Free
Inactive folio after written notice
After 1 year	$10.00
After 2 years	$20.00
After 3 years	$40.00
Passbook	Free
Cheque or other document search
Less than 90 days	$5.00 each
More than 90 days	$30.00/hour (min. $15.00)
Monthly 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	$0.60
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
Transfer
Set up of automatic transfers	Free2
On request	$5.00
Overdraft Transfer
Registration fee	Free
Monthly fee	Free
Overdraft transfer fee3	Free

1. Fees subject to GST and QST.

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 Economy Plus Plan, if you don't make many transactions
• The Mid-level and Autonomous Plans, if you frequently use automated services
• The Autonomous Plus Plan, for people who want even more freedom
• The Premier Plan or 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	$2.25
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 $40.00
Outside Canada	Between $5.00 and $70.00

1. Or cashing.
2. Or cashing. 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.