You can change your address on your accounts, credit cards and investments by phone, on AccèsD or in person at the caisse.

You can also report a change of address to Desjardins General Insurance (home and auto) and The Personal (home and auto) by checking the boxes on the form available on AccèsD.

How to report a change of address

1. Log on to AccèsD.
2. Click on the Profile and preferences icon in the right-hand menu and then on Change address under Profile.

Please allow for processing time (except for Desjardins credit cards, on which changes of address go into effect immediately).

See Change your address for contact information.

For AccèsD users:

• On the Log on - This link will open in a new window. page, enter your username and click Go.
• On the following page, click Forgot your password?

If you username is your card number, you'll be prompted to answer a few questions to verify your identity. You'll then be able to create your new password.

If you have an email username, answer Yes to the question Do you want a new password? You'll receive a temporary password by email. Once you're received the email, you'll have 10 minutes to log on to AccèsD using the temporary password. Once you’ve logged on, you’ll be prompted to create a new password.

To receive a temporary password by email, you must add an email address to your usernames.

If you're having trouble getting a new password, call 1-877-722-2343.

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.

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).

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).

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.

Here are 2 examples of error messages you might get while logged on 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 off for security purposes. Your session was inactive for too long or you refreshed a page or clicked on the back button.

To avoid error messages and ensure an optimal use of our services , please see the following recommendations:

1. Clear your browser's cache memory.
2. Access the AccèsD site securely by using the complete www.desjardins.com address. To log on, click on the Log on button in the upper right hand portion of the screen.
3. Update your computer.

If you are still experiencing problems, contact Internet technical support at 1-800-CAISSES (1-800-244-7737), options 9-2-3.

If you receive a suspicious email or text message:

1. Don't click any links, texts or images.
2. Don't open any attachments or activate any document macros.
3. Don't download or authorize any images.
4. Don't reply to the sender. It only confirms that your email is valid.
5. Forward the email or text message to protection@desjardins.com - This link will open your default email management software.. You will receive an automated reply.
6. Delete the email or text message.

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

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.

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.

The annual TFSA limit includes:

Your annual TFSA contribution limit (maximum $5,000 a year from 2009 to 2012, $5,500 from 2013 to 2014, $10,000 for 2015 and $5,500 for 2016 and 2017)

• Any unused contribution room from the previous year.
• Any withdrawals from your TFSA in the previous year.

Over contributions are subject to a penalty tax of 1% per month. You can get more information about TFSA contribution limits on the Canada Revenue Agency site.

To learn more, see Tax-free savings account (TFSA).

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.

There may, however, be exceptions to these rules. For example:

• TFSAs may be better than RRSPs to save for retirement.
• Borrowing from your RRSP to buy a home through the Home Buyers' Plan is often a very effective strategy.
• A TFSA may also be useful when you have contributed the maximum to your RRSP and are seeking an additional tax deduction.

To learn more, see Comparing TFSAs and RRSPs.

Term Savings are the only savings product that 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.

Although 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.

You can transfer funds from your TFSA savings to your Personal Chequing Account (PCA) on AccèsD.

1. Click on the Transfers button in the right-hand menu and then on Transfers between accounts.
2. Check From next to your TFSA Savings Account.
3. Check To next to the destination account.
4. Enter the transfer amount.
5. Click on Validate.
6. Then click on Confirm.

If you don't see a From button next to your TFSA Savings Account, please contact your caisse.

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.

You can't transfer funds from your line of credit to your Personal Chequing Account (PCA). 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 chequing 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 PCA by contacting your caisse.

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

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.

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 Open an account and become a member.
• Go to a caisse counter to fill out the required document.

If you're planning to make a real estate purchase soon, check out all the options available to you: fixed and variable rates, open and closed fixed rates, etc. Make an appointment with a caisse advisor or contact AccèsD Services to get the loan that best suits your needs.

Learn more

• See Mortgages.
• Use our calculators.