FAQ – AccèsD – Features

To add a bill to your bill file on AccèsD, simply do the following:

  • Log in to AccèsD.
  • Click Bill payments in the right-hand menu.
  • Click Add a bill.

To search for a bill, enter part of the organization name in the Name of organization field, leaving Select in the Category field. The system will display all organizations available.

Select the organization you want and click on Validate. On the next page, enter the required information (Reference number and Description, which is optional). To learn more about the reference number requested, click on the Aide icon, then click on Validate.

To make a change to your bill file online, simply do the following:

  • Log in to AccèsD.
  • Click on Bill payments, then select the Modify or delete a bill tab.
  • Select the bill you want to change or delete, and click on Modify or Delete.

Note that when it can take up to 2 calendar days for the changes requested to take effect.

Learn more about bill payments on AccèsD.

Even though Desjardins's automated services are available 7 days a week, our computer systems only process transactions 5 days a week.

The payment probably hasn't been made yet because it was scheduled to take place over the weekend. It will be processed the following Monday between 5:00 p.m. and 6:00 p.m.

Scheduled transactions are processed as follows:

  • Scheduled on a Sunday: Monday between 5:00 p.m. and 6:00 p.m. and dated Monday.
  • Scheduled on a Monday to Wednesday: the same day between 5:00 p.m. and 6:00 p.m.
  • Scheduled on a Thursday: the same day between 7:30 p.m. and 8:30 p.m.
  • Scheduled on a Friday: Saturday between 3:00 p.m. and 4:00 p.m.
  • Scheduled on a Saturday: Monday between 5:00 p.m. and 6:00 p.m.

Learn more about scheduled transactions.

To pay your SAAQ bill, you first need to add it to your bill file.

To add a bill to your bill file on AccèsD, simply do the following:

  • Log in to AccèsD.
  • Click on Bill payments in the right-hand menu and then select the Add a bill tab.
  • Type in "SAAQ" in the Name of organization field.

The system will display all organizations available. Select SAAQ and click on the Validate button. On the next page, you can enter a description (optional) and click on the Validate button again.

Once the bill has been added to your bill file, click on the Pay a bill tab. Make sure you enter the variable reference number, which has 16 digits and corresponds to the "Notice number" on your bill. Note that bill must be paid in full. Once the payment date indicated on your SAAQ bill has passed, you will no longer be able to make the payment on AccèsD. If you find yourself in this situation, contact the SAAQ offices.

If you encounter technical difficulties, call an AccèsD Services advisor at 1-800-CAISSES (1-800-224-7737).

If you paid the wrong biller, for example, Hydro-Québec instead of Bell, you can cancel the payment yourself directly on AccèsD. Click More optionsCancel a transactionBill paymentsCancel payment.

You can also cancel payments on your Desjardins and other credit cards, but only on the payment date. If you want to cancel a payment at a later date, contact your caisse. If a cardholder wants to cancel a Desjardins credit card payment, we'll check the card balance to make sure that cancelling the payment won’t put the cardholder over their credit card limit.

Organizations must first ask to be part of the AccèsD service in order for you to be able to pay their bills online on AccèsD.

Desjardins approaches organizations it feels might be interested in having their bills paid to them electronically on a regular basis. You can also help by letting the organization know you are interested in paying your bills this way.

To find out if a bill can be paid on AccèsD or AccèsD Affaires, see Eligible organizations - This link will open in a new window..

Once you've registered an account for the monthly statement of account on AccèsD, you'll be able to get statements for all transactions made from the date you registered for the service up to 7 years.

To get statements of account from previous months, you'll have to request them from your Desjardins caisse or call an AccèsD Services advisor at 1-800-CAISSES (1-800-224-7737).

Contact a a caisse advisor.

Transactions made with cards are processed as follows:

  • Monday to Thursday before 9:30 p.m.: on the same day
  • Monday to Thursday after 9:30 p.m.: on the next day
  • Friday and Saturday before 6:30 p.m.: on the same day
  • Saturday after 6:30 p.m. and all day Sunday: on Monday

During a caisse merger, your account (folio) number changes. The caisse usually adds 100 000 to 900 000 to your former folio number. If, for example, your folio number was 12 345 before the merger, your new folio number would be 112 345 (if 100 000 was added) or 912 345 (if 900 000 was added).

If you're registered for the online statement of account, you keep your pre-merger statements. For the month of the merger, you'll have 2 statements: 1 pre-merger and 1 post-merger. If you're registered for paper statements, you'll have access only to transactions made after the merger.

You should have received a letter from your caisse informing you of this a few weeks prior to the merger.

To learn more, please contact your caisse advisor.

AccèsD gives you a variety of ways to download your financial information.

Learn more about bank reconciliation.

If you'd like to download your data to a spreadsheet or database, we suggest you use a template, which sorts the information into the correct format.

Learn more about statement templates.

If you have a Desjardins credit card and have registered your account to the monthly statement online, you can view your credit card statement on AccèsD. You can even receive your statement on AccèsD. If you haven't, you'll only have access to the latest transactions made on your Visa Desjardins credit card.

If you are a member and want to sign up for the AccèsD service, call 1-800-CAISSES (1-800-224-7737) or register online at Welcome to AccèsD – Register.

If you are NOT a caisse member, call 1-877-CAISSES (1-877-224-7737) or register online at Welcome to AccèsD – Register.

Learn more about how to manage your Desjardins credit card account on AccèsD.

You can use the money transfer function on AccèsD to transfer funds from your account to another member's account or to a Desjardins credit cardholder. You'll first need to add the person to your list of recipients on AccèsD. To do this, you'll need either a cheque specimen from the recipient's account, or the following information:

  • institution no.
  • identification no. (caisse transit no.)
  • 6-digit account number plus the check digit (a total of 7 digits without spaces or hyphens).

    If, for example, the folio number is 1234 and the check digit is 5, you'll need to add zeros to the front of the numbers to get the following result: 0012345.

Transfers can only be made to everyday accounts, and not to Regular Savings Accounts.


Money transfers made on a:

  • Monday, Tuesday or Wednesday will be posted the same day between 5:00 p.m. and 6:00 p.m.
  • Thursday will be posted between 7:30 p.m. and 8:30 p.m.
  • Friday will be posted between 3:00 p.m. and 4:00 p.m.
  • Saturday will be posted on Monday between 5:00 p.m. and 6:00 p.m.

Learn more about money transfers.

Money transfers are considered final transactions in the sense that they can't be cancelled or reversed, just like cashed cheques.

If you have transferred funds to the wrong recipient or input an incorrect amount:

  • Retrace the transaction details—amount, time, date and recipient—by checking your latest transactions and statement of account on AccèsD.
  • Contact the recipient directly to straighten out the situation. A recipient who owes you money can reimburse you by whatever means are available to them (money transfer, Interac e-Transfer®, cheque, cash, etc.).

If, however, you do not find the recipient to whom you have transferred funds in error, contact an AccèsD Services advisor who will advise you on the best way to sort out the situation: 1-800-CAISSES (1-800-224-7737).

Yes. The money transfer limit is the maximum amount of transfers that can be done in a single day to other Desjardins members. The default daily money transfer limit is $5,000 for members age 18 and up, and $1,000 for minors. Your caisse may review your limit if you are a minor.

Note: Money transfers from a Desjardins credit card may not exceed $1,000 in 24 hours.

Yes, you can order cheques on AccèsD. This service is not yet available on AccèsD Affaires.

Learn more about how to order cheques.

First of all we must inform you that Desjardins does not support the Paypal service.

We know, however, that the problem most frequently encountered by new Paypal users is that they haven't entered their entire folio number. Be sure to enter a 7-digit number that includes the check digit (located in the lower right portion of your cheques).


Fax the documents to 1-866-553-7666 or mail them to the following address:

Fédération des caisses Desjardins du Québec
Service des transferts interinstitutions
1, complexe Desjardins, C.P. 7
Succursale Desjardins
Montréal (Québec)
H5B 1B2


Fax the documents to 1-855-434-5984 or mail them to the following address:

Fédération des caisses Desjardins du Québec
Service de gestion des comptes
1, complexe Desjardins, C.P. 7
Succursale Desjardins
Montréal (Québec)
H5B 1B2

Learn more about inter-institution transfers.

It's an online assistance tool that can help you through each step of using an AccèsD feature. Just answer "yes" or "no" to the Assistant's invitation or activate it when it's available for the feature you'd like to use.

You can print a void cheque for any of your accounts.

  1. Log on to AccèsD.
  2. Click More options in the right-hand menu, then Void cheques.
  3. Click Void cheque in the table.

You can also access your bank information as follows:

  1. Click on the Transactions/Operations tab.
  2. In the Account column, click on your folio number (followed by -PCA). You’ll find your account information under Account details.

Yes. Interac e-Transfers are a simple, secure way to transfer funds to a recipient at another Canadian financial institution or Desjardins. All the recipient needs is a bank account in Canada and an email address or mobile number. Transfers must be in Canadian currency.

To learn more, see Interac e-Transfers™.

You can manage your bills directly on AccèsD.

Here are just a few things you can do:

  • Add bills
  • Change bill reference numbers
  • Delete bills
  • Add, change or cancel bill payments scheduled in advance


Adding bills

When using the search engine to find an organization or bill, enter a keyword to facilitate your search. Once you've selected the bill you're looking for, click on the question mark icon Aide for information about the reference number to enter.

Example: You want to pay your municipal taxes for the city of Lévis. Do your search using the keyword “Lévis”. Results will be much more precise than if you search using the more general keyword “Taxes”.

Confirmation number

If you've made a bill payment on AccèsD, you can always go back and find the transaction confirmation number.

  1. Click Search transactions in the right-hand menu, then on Bill payments
  2. Search for your payment.
  3. See the Confirmation no. column in the table.

To learn more, see Pay your bills.

To receive a transfer in Canadian or US dollars or in another currency, fill out the relevant section of the Incoming wire transfer (PDF, 213 KB) - This link will open in a new window. form, then send it to the person who's planning to transfer funds to you.

The BIC/SWIFT code for Desjardins, for receiving money transfers from all over the world, is C C D Q C A M M.

There is a transfer limit set for your account, but the system also factors in the limit set by the destination country or territory, as well as a security limit determined by Desjardins.

The lowest of the 3 limits is displayed on AccèsD: click Transfers, select International money transfers, and the Make a transfer tab.

The exchange rate used is the real time market rate. Exchange rates are updated live between 7:30 AM and 5 PM on business days.

When the markets are closed (before 7:30 AM and after 5 PM on business days and on Saturdays, Sundays and holidays), Desjardins Group's Treasury increases the spread between the current buying and selling rates. The spread is readjusted once the markets open.

Yes. However, service charges apply, as they do to process any request from a bank for inapplicable, refused or returned payments.

To view the status of your transfer, you must make a request in the Investigation tab of the International money transfers page on AccèsD.

Yes. However, service charges apply, as they do to process any request from a bank for inapplicable, refused or returned payments. In addition, the exchange rate for a returned funds transfer may differ from the rate originally used to make the transfer.

To report an error or to request that your funds be returned, contact your caisse.

The Lock card feature allows you to block your credit card from being used if you think you may have lost it, even temporarily, or if it was stolen.

If you find your card, it's easy to reactivate it yourself on AccèsD.

As long as you haven't notified us that your card was misplaced or stolen, you can reactivate it on AccèsD at any time.

Here are the steps to follow:

Mobile app
  1. Log in to AccèsD - This link will open in a new window..
  2. Under Quick access, select Accounts.
  3. In the Cards, loans and credit section, tap the card you want to unlock.
  4. In the Details screen, tap Information and then Manage card.
  5. Beside Lock card, slide the toggle button to the left.
AccèsD Internet
  1. Log in to AccèsD - This link will open in a new window..
  2. In AccèsD overview, select Cards, loans and credit. Then click the Options button next to the card you want to unlock and select Manage card.
  3. Beside Lock card, slide the toggle button to the left.

Once you report your card as lost or stolen, you won’t be able to see your card information in AccèsD for one business day (24 hours). If you need to consult it, do so before requesting a new card.

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