FAQ – ATMs – Using a Desjardins Access Card, PIN and Interac® Debit contactless payments

Interac Debit contactless payments is the technology that lets you use your debit card to make contactless payments for smaller purchases. This means you don't need to insert your card into the payment terminal or enter your PIN.

It's easy!

  1. Look for the Interac Debit contactless payments or contactless payment logo.

  2. Hold your card over the secure reader
  3. Wait until it's approved—that's it!

When you use Debit contactless payments, the chequing account linked to your Desjardins Access Card is automatically chosen.

Interac Debit contactless payments works for purchases up to $250.

Yes, it's a secure system. If your card is lost or stolen, you should still contact our customer service team as soon as possible, just like you would for any other card.

Transactions made with Interac Debit contactless payments are protected by Interac's Zero Liability Policy. This means you aren't responsible for unauthorized transactions made to your card.

Desjardins has a fraud prevention service working to protect you. Contactless transactions are protected by chip technology and transaction limits are set up to reduce the risk of fraud if your card is lost or stolen.

Yes. To increase security for your card and this feature, you might occasionally have to insert your card and enter your PIN to complete a transaction. There is also a cumulative limit. After you have reached a total spend of $400, you will need to enter your chip and PIN. This will reset your Debit contactless payments limit.

No. There are no additional fees for using Interac Debit contactless payments. These transactions are included in the number of monthly transactions included with your plan.

Interac Debit contactless payments will be activated the first time you use your chip card to make a transaction, after you enter your PIN on the terminal.

No. Interac Debit contactless payments only works on cards issued after October 1, 2018 (this includes reissues and replacements).

Interac Debit contactless payments only works on cards issued after October 1, 2018 (this includes reissues and replacements). If you want to replace your card, visit your caisse or contact customer service at one of the following numbers:

Montreal area: 514-224-7737
Canada and the U.S.: 1-800-224-7737

No. You aren't required to use Interac Debit contactless payments. You can keep making purchases of any amount with your chip and your PIN. If you want to deactivate this feature, call us at 1-800-224-7737. If you ever change your mind, we can reactivate it for you any time.

Many businesses accept Interac Debit contactless payments payments, including gas stations and restaurants. Other businesses will be added in the future. Just look for the Interac Debit contactless payments logo, or the contactless payment logo.

See the list of participating merchants - External link. This link will open in a new window..

No. Interac Debit contactless payments only works at participating retailers in Canada.

Yes. Every merchant can give you a receipt for any purchase made with Interac Debit contactless payments. The transactions will also be included on your transaction statement.

The Desjardins Access Card is your debit card. You get it when you open an account at a Desjardins caisse. You use it to identify yourself at the teller counter, when you're using an ATM, and to make direct payments in stores. Your card number is also your username for logging on to AccèsD Internet, AccèsD Telephone and AccèsD Mobile.

Learn more about the Desjardins Access Card.

Learn more about ways to bank.

For more information, see Open an account and become a member.

We will automatically mail a new Desjardins Access Card to the address we have on file for you, around 1 or 2 months before your current card expires. Your Desjardins Access Card is valid until the last day of the month it expires, which is written on the front of your card.

If this date passes and you haven’t received your new card, call us at 1-800-CAISSES (1-800-224-7737).

Contact us immediately to let us know if your card is lost or stolen. We’ll make sure that the old card is cancelled and a new one is issued right away.

The service is available 24 hours a day, 7 days a week.

Montreal area: 514-281-9289
Canada and the U.S.: 1-800-361-5121

Lost or stolen I.D.

If your ID is lost or stolen, you should contact Equifax and TransUnion to let them know. They’ll add a note to your credit file to help reduce the risk of fraud or identity theft. Fees may apply.

Equifax: 1-800-465-7166
TransUnion: 1-800-663-9980

Your Personal Identification Number (PIN) is the number you enter when using your Desjardins Access Card, credit card or prepaid card. It’s the equivalent of an electronic signature. You need it to complete transactions with your card. Without the PIN, nobody can access your account or make purchases, even if they have your card.

Learn more about your PIN.

Choose a PIN that only you could know. If you use information like your address, phone number or birthday, a criminal might be able to figure it out. You should change your PIN right away if you think someone might have learned it (for example, by watching you at an ATM or at the counter of your caisse).

If you forget your PIN, you will need to go to a Desjardins caisse. Don’t forget to bring 2 valid pieces of ID—and at least one of them needs to have a photo and a signature.

For security reasons, we can’t give you a new PIN by phone or email.

For security reasons, your card will be blocked if you enter your PIN incorrectly 3 times in a row. To reactivate your card, you’ll have to go to any Desjardins caisse with 2 valid pieces of ID, at least one of which with a photo and signature. If you can’t get to a caisse, contact us for a replacement card.

If you enter the wrong birth date 3 times, you’ll need to go to your Desjardins caisse (where the account is held). No other caisse will be able to reactivate your card.

Yes! You can use your Desjardins Access Card at any PLUS network ATM. This network is the equivalent of Canada’s Interac network. It can accept PINs that are between 4 and 13 digits long, so you should enter your 5-digit PIN like you do here. These ATMs aren’t free to use—you’ll be charged $3 each time you use one in North America, and $5 if you’re using it anywhere else. The owner of the ATM you’re making your withdrawal from might also charge additional fees.

You should always plan an alternative way to get local currency while you’re travelling. Your caisse can exchange some money for you if you let them know in advance.

If you want to see which financial institutions use the PLUS network in the city or country you’re visiting, check out the Visa - External link. This link will open in a new window. site.

You don’t need to contact your caisse if you’re planning to use your Desjardins Access Card (debit card) while you travel.


  • It’s a good idea to bring a second Desjardins Access Card with you, in case one is lost or stolen. Keep it with your important documents.
  • You should also have a second way to pay for things, like a credit card or traveller’s cheques.
  • Make sure you’re using a PLUS network ATM. This network is the equivalent of Canada’s Interac network and can accept 5-digit pins. If you’re asked to enter a 4-digit PIN, just enter your 5-digit PIN anyways.

To learn more, see Travelling.

You can have several cards linked to the same Desjardins account. However, you will be charged a fee, and will need to wait for the additional cards to be delivered to you.

No. You will need to request your Desjardins Access Card in person. Go to the caisse where your account is held. You’ll need to have your parent or legal guardian with you and bring valid ID.

To find the address and phone number for your caisse, see Find us.

Yes. The language on your card (French or English) is determined by the language choice we have on file for you. You need to contact your caisse if you want to change your language preference and get a new card.

You will need to contact us at 514-281-9289 (Montreal area) or 1-800-361-5121 (Canada and the US). This is to protect your account. The card you left behind might need to be destroyed. If that's the case, or if the card can't be found, we'll send you a new card.

When replacing a lost or stolen credit or debit card

No. Apple Pay and Google Pay do not update automatically. You'll need to manually input your new card information for both payment methods.

When replacing a damaged credit or debit card

Yes, Apple Pay and Google pay update automatically as long as you activate your new card within 30 days of requesting it. After the 30 days have passed, you'll have to manually re-add your new card to both payment methods by following the steps indicated on your mobile device.

When replacing a lost, stolen or damaged debit card

No. Apple Pay and Google Pay do not update automatically. You'll need to manually input your new card information for both payment methods.

When replacing a lost or stolen credit card

You'll receive a new card number. Remember to advise your service providers of this change to avoid late payments.

When replacing a damaged credit card

Your card number will stay the same, so you don't need to contact your service providers.

If you believe you may have been victim of ATM fraud or if your card gets stuck in an ATM, report it immediately by calling 1-800-CAISSES (1-800-224-7737).

A service advisor will cancel your card on the spot, at your request.

Find out more about protecting yourself against credit or debit card fraud.

For security purposes, Desjardins limits the total amount of ATM withdrawals that can be made at ATMs operated by Desjardins, another financial institution in Canada or another business to $1,000 a day. This aims to minimize the amount that can be fraudulently withdrawn.

However, the maximum amount permitted per withdrawal may vary from one institution to another. At Desjardins, the maximum amount per withdrawal is $500 per day. More than 1 transaction may be required to withdraw a total of $1,000.

As a member of the Interac Association, Desjardins participates in raising awareness to protect debit card Personal Identification Numbers. See the new "Protect your PIN" labels.
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