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FAQ - Accounts and services - Accounts and fees

Although your account balance will increase immediately after you deposit a cheque, it usually takes between 5 and 15 business days for it to clear, depending on the financial institution that issued it. However, it can take up to 90 days when a fraudulent cheque is deposited. As a preventative measure, when you deposit a cheque, Desjardins, like every other financial institution, puts a hold on funds for the amount of time it usually takes to process it to make sure it clears.

If you have good credit, to accommodate you, your caisse can give you an authorized transit when you open your account. An authorized transit is the maximum amount you can withdraw right after depositing a cheque. Keep in mind that you are responsible for all deposits made to your account. Therefore, if you deposit a fraudulent cheque to your account, you will have to repay the amount you used.

Learn more about holding funds and authorized transit.

When you write a cheque or agree to make pre-authorized payments to an organization, you must ensure you have enough money in your account to honour your commitment. If you don't, NSF (not sufficient funds) fees will be charged to your account.

You can avoid NSF charges by signing up for overdraft protection, which links your account to your Desjardins credit card.

To learn more, see Overdraft protection.

Holding funds is a routine precaution taken by all financial institutions in anticipation of returned cheques. At Desjardins, funds are generally held for 5 to 7 business days if you deposit a cheque at the counter or ATM, or if you make an inter-institution transfer online on AccèsD.

This procedure applies to any type of cheque, personal or otherwise, as well as for cash deposited at an ATM.

Authorized transit is an amount determined by the caisse that enables you to cash cheques without having a hold placed on the funds.

This limit can be adjusted by the caisse under certain conditions. Contact your caisse.

Find out more about holding funds.

You can open an account in a Desjardins caisse prior to your arrival in Canada.

Simply fill out the form online to apply for your account.

A Desjardins advisor will contact you within 48 hours (business days) of receiving your application.

When you arrive in Canada, you'll need to go to the caisse specified by the advisor to finalize the account opening.

Our transaction plans reduce the service charges on your Personal Chequing Account or Build-Up Savings Account. To find the best account and plan for you, use the Select a plan feature on AccèsD Internet and mobile, which recommends the most economical plan based on your transaction history. You can also use the function to select a different plan or change your current plan on your own.

In addition to your monthly fee, you may also be charged additional fees if you exceed the maximum number of transactions or make transactions not included in your plan (e.g., withdrawals from ATMs of other financial institutions).

In fact, the amount you save with the service charge exemption is equivalent to a net annual return of more than 3% (see table below), which is generally better than what our competitors are offering. To maintain the minimum balance, you just have to transfer money from your other accounts or other financial institutions.

Plan Annual fees Minimal balance required for fee exemption Return
The Economy Plan $35.40 $1,000 3.54%
The Economy Plus Plan $47.40 $1,500 3.16%
The Mid-level Plan $78.00 $2,000 3.90%
The Autonomous Plan $102.00 $2,500 4.08%
The Autonomous Plus Plan $119.40 $3,000 3.98%
The Premier Plan $167.40 $4,000 4.19%
The Premier Plus Plan $251.40 5,000 5.03%

Also see Reduce your service charges

In fact, only some service charges are reviewed on an annual basis to take into account operating cost increases with the aim of ensuring profitability, dependability and your Desjardins cooperative's future.See Reduce your service charges

Desjardins's operating costs are equivalent to those of its competitors. Expenses related to equipment, office space, labour and financing products are generally the same for all financial institutions, as are available income sources.

Desjardins also has to maintain good profitability in order to have sufficient leeway on the markets, which ultimately benefits members. Surplus earnings earned by the caisses belong to all members and is paid back to them in the form of member dividends once the caisse's development and financial standing is assured. A portion of the member dividends can even be used to cover the service charges. Meanwhile, when banks turn a profit, only shareholders benefit.

See Reduce your service charges

Desjardins stands out by its cooperative nature, which is based on the following principles:

  • Ownership: The members of a caisse own it together and take part in its capitalization.
  • Power: Members can take part in major caisse decisions and projects and elect officers to guide and manage the caisse.
  • Sharing: A part of the caisse's surplus earnings stay in the community and the rest is distributed among members in the form of member dividends, which is not the case for banks.
  • Commitment: The caisses support the development of the community and commit to many economic, social, educational and cultural endeavors.
  • Education: The caisses promote cooperation with programs such as the school caisse, student caisse and the Young Intern Officer program and provide members with financial management advice.

Teller services are more expensive because they involve caisse employees, unlike other access methods like ATMs, direct payments or AccèsD.

Service charges must encourage the divergence of transactions to less costly methods for both our members and our caisses. However, members are fully entitled to choose personalized service.

Only available on AccèsD Internet and mobile, the High Interest S@vings Account is for people who want to grow their savings quickly by earning high interest on each dollar saved. There are no fees and you can access your funds easily. The account is also RRSP eligible.

To learn more, see High Interest S@vings Account.

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