Choose province (Canada) or state (United States), and language

Online services – AccèsD, AccèsD Affaires, online brokerage, full service brokerage.

Log on to Desjardins online services.

You are here:

Your browser is configured to not accept cookies. Some features of the site are not available or will not work correctly without cookies. Also, some information presented might not apply to your situation.
See How to enable cookies

Your browser is not supported by our website. Some features of the site are not available or will not work correctly.
See the procedure to update your browser.

Microsoft Edge causes problems on AccèsD. To fix the issue, please install the most recent Windows update.

7 debt questions to ask yourself

These 7 questions will help you determine your real financial situation. Answer truthfully.

Take the test


Yes No

I refuse to admit it
1. Do you use your credit card to pay for groceries or rent because you have no other option? In other words, do you use your credit card out of necessity instead of by choice?
2. Do you use your credit card to buy things you wouldn't be able to if you had to pay cash?
3. Do you lie to your friends and family about purchases and how much they cost?
4. Do you borrow money from friends, colleagues and family members?
5. Have you ever asked for a cash advance on a credit card to make the minimum payment due on another?
6. Do you write cheques for more than you have in your account saying you'll make a deposit to cover them later?
7. Do you often go over the amount you've allocated for yourself in your budget?
Total: 0/7 0/7 0/7

Now what?

  • If you answered mostly "No" (more than 3 out of 7), you are in an enviable position. For the moment, you're not in danger of getting over-indebted or using credit unwisely. Stay vigilant and informed.
  • If you answered mostly "Yes" or "I refuse to admit it" (more than 3 out of 7) you're in debt or over-indebted. It's imperative that you and your family learn how to use credit to your advantage and not let it ruin your financial health. Tackle the difficult task of paying off your debts with every ounce of will you can muster.

The Desjardins Personal Financial Index

Measure your financial skills and knowledge.

My index - Budgeting, debts, savings, insurance...
My index 2 - Have you taken control of your finances?
My index 3 - Spending, saving, protecting your assets...

Stay connected

Whether you’re an individual member, experienced investor or business owner, sign up for our monthly newsletters that offer you a summary of the best content prepared by Desjardins experts.

Sign up