Personal services
Frequently asked questions
How do I report a change of address? How can I get a void cheque with my account information? How can I avoid NSF fees? Why do error messages sometimes appear on AccèsD? I received a phishing email. What do I do? Can I transfer funds to someone who isn't a Desjardins member? What changes can I make to my AccèsD bill file?
How do I report a change of address?
You can change your address on your accounts, credit cards and investments by phone, on AccèsD or in person at the caisse.
How to report a change of address
- Log in to AccèsD.
- Click Profile and preferences in the right-hand menu and then Change contact information under Profile.
See the Change your address section for our contact information.
How can I get a void cheque with my account information?
You can print a void cheque for any of your accounts.
- Log on to AccèsD.
- Click More options in the right-hand menu, then Void cheques.
- Click Void cheque in the table.
You can also access your bank information as follows:
- Click on the Transactions/Operations tab.
- In the Account column, click on your folio number (followed by -PCA). You’ll find your account information under Account details.
How can I avoid NSF fees?
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 (non-sufficient funds) fees will be charged to your account.
You can avoid NSF fees by signing up for overdraft protection, which links your account to your Desjardins credit card.
To learn more, see Overdraft protection.
Why do error messages sometimes appear on AccèsD?
Here are 3 examples of error messages you might get while logged in to AccèsD.
A system error occurred. Please contact us at the telephone numbers listed under "Contact us" in the upper right hand portion of the screen.
You have been automatically logged out for security purposes. Your session was inactive for too long or you refreshed a page or clicked on the back button.
You are not authorized to access the site. Call us.
To avoid error messages and ensure an optimal use of our services, please see the following recommendations:
- Clear your browser's cache memory.
- Access the AccèsD site securely by using the complete www.desjardins.com address. To log in, click on the Log in button in the upper right hand portion of the screen.
- Update your computer.
- Try using another browser to connect.
I received a phishing email. What do I do?
If you receive a suspicious email or text message:
- Don't click any links, texts or images.
- Don't open any attachments or activate any document macros.
- Don't download or authorize any images.
- Don't reply to the sender. It only confirms that your email is valid.
Can I transfer funds to someone who isn't a Desjardins member?
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™.
What changes can I make to my AccèsD bill file?
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
Tips
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 
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.
- Click Search transactions in the right-hand menu, then on Bill payments
- Search for your payment.
- See the Confirmation no. column in the table.
To learn more, see Pay your bills.
Phone
We can call you when it’s convenient.
Schedule a call
Montreal area:
514-224-7737 (514-CAISSES)
Canada and the U.S.:
1-800-224-7737 (1-800-CAISSES)
- Auto, home and recreational vehicle insurance
- Pet insurance
- Loan and credit insurance
- Life and health insurance
- Travel insurance
- General information
Quotes and advice
Phone
Monday to Friday: 8 AM to 8 PM (Eastern Time)
Saturday: 8 AM to 4 PM (Eastern Time)
Quebec City:
418-835-6868
Montreal:
514-281-9955
Service for hearing impaired - TTY line
Your telephone relay service
Claims
In the event of a loss or emergency, you can submit your claim online or by phone 24/7.
Phone
Quebec City area:
418-835-9100
Outside North America:
(country code) + 800-463-5666-6
To reach us from a country that is not served:
1-418-835-6868
Service for hearing impaired - TTY line
Your telephone relay service
Assistance
Roadside Assistance (24/7)
Phone
Legal Assistance
Phone
Monday to Friday: 9 AM to 8 PM (Eastern Time)
Saturday: 9 AM to 5 PM (Eastern Time)
Identity Theft Assistance (24/7)
Phone
Desjardins caisse members:
1-855-559-5501
Desjardins Insurance policyholders:
1-888-277-8726 (Quebec)
1-877-699-9923 (Ontario)
Payment
Contact us for questions or to change your payment options.
Phone
Monday to Friday: 8 AM to 8 PM (Eastern Time)
Saturday: 8 AM to 4 PM (Eastern Time)
Service for hearing impaired - TTY line
Your telephone relay service
Client Complaint Management Centre
Share your comments, suggestions or complaints online, by mail or by phone.
Phone
Monday to Thursday: 8 AM to 5:30 PM (Eastern Time)
Friday: 8 AM to 5 PM (Eastern Time)
Client Complaint Management Centre
Desjardins Insurance
6300 Boul. Guillaume-Couture
Lévis QC G6V 6P9
Quotes and advice
Phone
Monday to Thursday: 8 AM to 10 PM (Eastern Time)
Friday: 8 AM to 9 PM (Eastern Time)
Saturday: 9 AM to 8 PM (Eastern Time)
Fax:
1-866-322-5246
Claims
Online
Phone
Monday to Thursday: 8 AM to 10 PM (Eastern Time)
Friday: 8 AM to 9 PM (Eastern Time)
Saturday: 9 AM to 8 PM (Eastern Time)
Fax:
1-866-501-5580
Fax number reserved for veterinary clinics:
To fax us medical records or supporting documents
1-866-501-5581
Payment
Phone
Monday to Thursday: 8 AM to 10 PM (Eastern Time)
Friday: 8 AM to 9 PM (Eastern Time)
Saturday: 9 AM to 8 PM (Eastern Time)
The Desjardins Pet Insurance Program
301-600 Empress Street
Winnipeg MB R3G 0R5
Loan Insurance
Buy insurance or file a claim
Loan Insurance — Versatile Line of Credit
Buy insurance or file a claim
Loan Insurance — Ready to Drive Loan
Buy insurance or file a claim
Phone
Line of Credit Insurance
Buy insurance or file a claim
Credit Balance Insurance — Individuals
Buy insurance
Phone
File a claim
Phone
General information
Phone
Health and disability insurance products
Buy insurance
Online
fill out the form - External link. This link will open in a new window. To make an appointment with a financial security advisor.
Phone
1-866-838-7661 To talk to a financial security advisor (Monday-Friday, 9 AM to 5 PM [ET]) or make an appointment.
File a claim
Phone
Assistance services
Phone
Accirance
Buy insurance
Phone
File a claim
Phone
GetWell Insurance
File a claim
Phone
Visitors to Canada Insurance
File a claim
Phone
Savings-Life Insurance
Buy insurance or file a claim
Have questions or concerns in light of the coronavirus? Check out our FAQ section.
Travel assistance (24 h)
Phone
Canada and U.S. (toll-free):
1-800-465-6390
Outside Canada and the U.S. (service charges apply):
1-514-875-9170
Buy insurance
Phone
1-855-368-6924
Monday to Friday, 8 AM to 8 PM,
Saturday, 8:30 AM to 4:30 PM
File a claim
Phone
Phone
Lock or replace your debit card
Online
Report your card lost or stolen
Frequently asked questions
I entered my information incorrectly 3 times, and now my card is suspended! What should I do? Do I need to let Desjardins know if I’m planning to use my cards while travelling abroad? My Desjardins Access Card is expiring this month. Will it automatically be renewed? What should I do if my Desjardins Access Card is lost or stolen?
I entered my information incorrectly 3 times, and now my card is suspended! What should I do?
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.
Do I need to let Desjardins know if I’m planning to use my cards while travelling abroad?
You don’t need to contact your caisse if you’re planning to use your Desjardins Access Card (debit card) while you travel.
Tips
- 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.
My Desjardins Access Card is expiring this month. Will it automatically be renewed?
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).
What should I do if my Desjardins Access Card is lost or stolen?
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
Phone
We can call you when it’s convenient.
Schedule a call
Canada and the U.S.:
1-800-361-5121
Other countries (collect call):
514-281-9289
Important:
Please also report stolen cards to the police.
Get a Desjardins Access Card
Phone
We can call you when it’s convenient.
Schedule a call
Montreal area:
514-224-7737 (514-CAISSES)
Canada and the U.S.:
1-800-224-7737 (1-800-CAISSES)
Card damaged or demagnetized - Card stuck in an ATM - Get a new PIN
Lock or replace your credit card
Online
Report a lost or stolen card – Change your address – Get account information
Phone
Visa* and Mastercard® credit cards
We can call you when it’s convenient.
Schedule a call
Montreal area:
514-397-4415
Report your card lost or stolen 24 hours a day, 7 days a week.
Change your address
On AccèsD
- Log in to AccèsD - External link..
- In the right-hand menu, select Profile and preferences.
- Under Profile, select Change contact information.
- Select Edit in the Primary residence address section.
- Make the desired changes and indicate the date when they'll take effect, if necessary.
- Make sure you entered your new address correctly, then select Confirm.
On the mobile app
- Sign in via the app.
- At the bottom of the screen, select More.
- Select Profile and preferences, then Contact information.
- Select Edit in the Primary residence address section.
- Make the desired changes and indicate the date when they'll take effect, if necessary.
- Make sure you entered your new address correctly, then select Confirm.
Canada and the U.S.:
1-800-363-3380
Collect calls:
514-397-4610. If calling from a landline, ask the operator to connect your call. If calling from a cellphone, your service provider may charge a fee.
Questions or comments
Online
AccèsD Internet users
Use your secure AccèsD message box - This link will open in a new window.
Non-users
Write to us - This link
will open in a new window.
® Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.
* Trademark of Visa International Service Association and used under license.
Frequently asked questions
What's the difference between a TFSA and an RRSP? How is interest calculated on term savings accounts? Can I transfer funds out of my TFSA account myself on AccèsD? What's a Savings Account?
What's the difference between a TFSA and an RRSP?
The advantage of TFSAs and RRSPs is that they allow you to save money tax-free. Also, the 2 plans complement each other because they meet different types of needs.
RRSPs are designed to help you save for retirement.
Non-taxable withdrawals make TFSAs a good tool to help you save for projects: buying a car, renovating your home, starting a business or taking a trip.
You’re likely to lean towards one of the 2 options based on your situation. For example:
- Depending on your income, TFSAs may be better than RRSPs to save for retirement.
- When buying your first home, using your RRSP towards your down payment via the Home Buyers’ Plan (HBP) can be a great strategy.
How is interest calculated on term savings accounts?
Term Savings gives you both capital protection and earned interest. No matter how financial markets perform, you know what your return will be right from the start. The interest rate tells you what your annual guaranteed return will be on your investment on an annual basis.
Calculated daily, interest can be paid at various times. The frequency of interest payments is determined at the time you take out the investment.
Learn more
- See Guaranteed fixed-rate investments.
- See the Guaranteed investments brochure (PDF, 668 KB).
- Use the How much will your investment be worth at maturity? tool.
Can I transfer funds out of my TFSA account myself on AccèsD?
You can transfer funds from your TFSA savings to your everyday account on AccèsD.
- Click on the Transfers button in the right-hand menu and then on Transfers between accounts.
- Check From next to your TFSA Savings Account.
- Check To next to the destination account.
- Enter the transfer amount.
- Click on Validate.
- Then click on Confirm.
If you don't see a From button next to your TFSA Savings Account, please contact your caisse.
What's a Savings Account?
Only available on AccèsD Internet and mobile, the Savings Account is for people who want to grow their savings quickly by earning 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 Savings Account.
- Desjardins caisses
- Disnat online brokerage
- Full-service brokerage — Desjardins Securities
- Signature Service
- Desjardins Private Wealth Management
Caisses
Our advisors will find the right solutions for your financial needs, whatever your goals may be. Based on the nature of your needs, we may direct you to our Signature Service or Private Wealth Management.
Phone
We can call you when it’s convenient.
Schedule a call
Montreal area:
514-224-7737 (514-CAISSES)
Canada and the U.S.:
1-800-224-7737 (1-800-CAISSES)
Caisse
Book an appointment with an advisor by phone.
Montreal area:
514-253-6473
Elsewhere in Canada and the U.S.:
1-833-353-6473
Online
Members
On AccèsD, book a remote or in-person appointment with an advisor at your caisse.
Signature Service
You have high standards, and our Signature Service is there to meet them, with expert advice from our professionals and a robust lineup of financial products and services.
Desjardins Private Wealth Management
Dedicated to the sophisticated needs of high-net-worth clients, our experts will take a personal approach to managing all your financial affairs.
- Contact a caisse
- Student Advisory Centre
- Desjardins 360d
- Scholarships — Fondation Desjardins
- Contact a business development representative for students
AccèsD Internet users
Use your secure AccèsD message box - This link will open in a new window.
Non-users
Write to us - This link will open in a new window.
For more information about the student offer
Phone
We can call you when it’s convenient.
Schedule a call
Student loan management
Phone
We can call you when it’s convenient.
Schedule a call
163-1, boulevard Gaspé
Gaspé (Québec) G4X 2V1
Desjardins 360d
UdeM | Concordia | UQAM | UQTR | UL
By phone: 514-383-0252 or 1-844-866-9932 (toll-free)
By text message: text us the name of your university at 22360
Online
Phone
1, complexe Desjardins
C.P. 7, succursale Desjardins
Montréal, (Québec) H5B 1B2
Frequently asked questions
Can I transfer funds from my line of credit to my everyday account? Who do I go about making a principal payment on a loan or requesting a payment agreement? What's the difference between a Desjardins Auto and Leisure Vehicle Loan and a Desjardins Auto+ Loan How do I have my first student loan disbursement deposited to my Desjardins account?
Can I transfer funds from my line of credit to my everyday account?
You can't transfer funds from your line of credit to your everyday account. Lines of credit were designed to protect your account in the event of insufficient funds when making purchases, bill payments, pre-authorized payments, etc.
A line of credit is a financing product that allows you to get funds when you need them from your everyday account. Transactions are authorized even though they exceed your account balance. The account is overdrawn, and a cash advance from your line of credit automatically brings your account back up to $0 at the end of the day.
You can, however, have funds transferred from your line of credit to your everyday account by contacting your caisse.
Who do I go about making a principal payment on a loan or requesting a payment agreement?
To make prepayments on a loan or to request a payment agreement, you must, in both cases, contact the appropriate component depending on the type of loan you have.
Caisse loan (personal loan, car loan or mortgage)
Contact your caisse directly.
Desjardins Ready-to-Drive Loan
Principal payments
Montreal area: 514-CAISSES (514-224-7737)
Elsewhere in Quebec, Canada and the U.S.: 1-800-CAISSES (1-800-224-7737)
Payment agreements
Montreal area: 514-397-0376
Elsewhere in Quebec, Canada and the U.S.: 1-877-999-5552
Government Guaranteed Student Loan
By phone
1-866-388-3373
What's the difference between a Desjardins Auto and Leisure Vehicle Loan and a Desjardins Auto+ Loan
If you're planning to buy a vehicle over $5,000 from a new or used car dealer, a Desjardins Ready-to-Drive Loan is your better option.
The Desjardins Ready-to-Drive Loan is the ideal financing tool for a new or used car, motorcycle, recreation vehicle, boat or RV.
The Desjardins Ready-to-Drive Loan is a comprehensive financing tool that includes exclusive advantages that can help you save a lot of money. It includes:
- life insurance at no additional charge
- free roadside assistance for 1 year
- an exclusive discount of up to $50 towards auto insurance
- competitive rate, fixed or variable
Learn more about the Desjardins Ready-to-Drive Loan.
If, however, you're planning to buy a vehicle over $12,500 from a private seller, a Desjardins Auto+ Loan may be a good choice for you.
Apply for the loan at your caisse or by phone at 1-800-CAISSES.
Learn more about the Desjardins Auto+ Loan.
How do I have my first student loan disbursement deposited to my Desjardins account?
You've received your student loan Guarantee Certificate and would like the first disbursement to be deposited to your Desjardins account?
Follow these steps:
- Ensure you have a Desjardins account.
To learn more about opening an account, see Everyday account. - Go to a caisse counter to fill out the required document.
AccèsD Internet users
Use your secure AccèsD message box - This link will open in a new window.
Phone
We can call you when it’s convenient.
Schedule a call
Montreal area:
514-224-7737 (514-CAISSES)
Canada and the U.S.:
1-800-224-7737 (1-800-CAISSES)
Online
Members
On AccèsD, book a remote or in-person appointment with an advisor at your caisse.
AccèsD Internet users
Use your secure AccèsD message
box - This link will open in a new window.
Phone
We can call you when it’s convenient.
Schedule a call
Montreal area:
514-224-7737 (514-CAISSES)
Elsewhere in Quebec, Canada and the U.S:
1-800-224-7737 (1-800-CAISSES)
AccèsD Internet users
Use your secure AccèsD message box - This link will open in a new window.
Online
Members
On AccèsD, book a remote or in-person appointment with an advisor at your caisse.
Online mortgage application
Phone
Talk with a finance advisor 24 hours a day, 7 days a week
We can call you when it’s convenient.
Schedule a call
Phone
Members
We can call you when it’s convenient.
Schedule a call
Montreal area:
514-224-7737 (514-CAISSES)
Canada and the U.S.:
1-800-224-7737 (1-800-CAISSES)
Caisse
Online
Members
On AccèsD, book a remote or in-person appointment with an advisor at your caisse.
- Countries served by the international number: Australia, Belgium, Brazil, China (Hong Kong), Cuba, Denmark, Finland, France, Germany, Greece, Holland, Ireland, Israel, Italy, Japan, Malaysia, Mexico, Morocco, New Zealand, Norway, Singapore, South Korea, Spain, Sweden, Switzerland, Taiwan, United Kingdom.