Enhanced identity protection from Desjardins

Enhanced identity protection from Desjardins

All caisse members who do their banking with Desjardins in Quebec and Ontario are protected by Desjardins identity protection. This protection is provided at no cost, and no registration is required.

Equifax credit monitoring service for all members who have an AccèsD online or mobile account

We are offering all members of Desjardins caisses who use AccèsD free access to Equifax’s services for 5 years, which include:

  • daily access to their credit score on the Equifax website
  • credit monitoring and email alerts of key changes to their credit file

Desjardins will begin gradually sending activation codes to caisse members’ AccèsD inboxes next week. Members who received a letter after the announcement in June will not be contacted a second time.

Members interested in viewing their Equifax credit report and receiving notifications of key changes to their credit will need to activate the service by April 30, 2020.

Our teams are currently working to find the best possible alternative for our caisse members who don’t use AccèsD.

Here are the 3 measures we've put in place

  • Protection Your accounts and assets at Desjardins are protected. You won't suffer a financial loss if unauthorized transactions are made in your Desjardins accounts.
  • Support

    If your personal information is used fraudulently, we'll provide you with individual support. Depending on your needs, our team of experts and lawyers will be there for you throughout the identity recovery process.

  • Reimbursement All Desjardins caisse members can be reimbursed up to $50,000 for certain expenses related to identity recovery.

Today's digital age offers a number of exciting new advancements, but also comes with its share of risks. That's why we want to offer our members everything we can to make sure their information is safe.

Learn more about the identity theft assistance program for Desjardins caisse members, expenses that can be reimbursed and terms of use

Credit Score feature on AccèsD

Credit Score is a quick and easy way to keep an eye on your credit file. You can access it for free any time in AccèsD, through the CreditviewTM dashboard.

It's a convenient way to check your TransUnion credit score and credit file. It's updated monthly, so you can check your credit history regularly and make sure all the information there is accurate.

Learn more

Learn more

How to reach us

By phone

1-800-CAISSES (1-800-224-7737)
Daily 9:00 am - 9:00 pm

1-888-AFFAIRE (1-888-233-2473)
Monday to Friday 8:00 am - 8:00 pm
Saturday and Sunday 8:30 am - 8:30 pm

To find answers to common questions, see our FAQ.

  • This service lets you check your credit file, including financial commitments you have to any financial institutions. It also includes daily monitoring of your credit file, alerts of key changes, and identity theft insurance.
  • If you were affected by the privacy breach announced in June 2019, your personal activation code is in the letter we sent you. You have until December 31, 2019, to activate the service on Equifax's website.
    • To get the service, you'll need an email address, a Canadian mailing address and a credit file.
    • To find out more about how to sign up for the Equifax credit monitoring service, see our guide (PDF, 340 KB).
  • If you weren't affected by the privacy breach, you'll receive an activation code in your AccèsD message box by January 31, 2020.
    • To get the service, you'll need to be signed up for AccèsD (online or mobile), have an email address and a credit file, live in Canada and be at least 18 years old.
  • The main difference is Equifax's alert system.
  • Equifax's alerts let you know if an inquiry has been made on your Equifax credit file, or if any changes have been made to it.
  • Lenders generally declare a consumer's credit changes to both credit reporting agencies (Equifax and TransUnion).
  • As a result, if you're signed up for the Equifax service, you will eventually be alerted to all changes in your credit score, even if the inquiry was initially sent to TransUnion.
  • Credit Score is updated monthly, while Equifax updates daily.
  • It is possible for there to be a slight difference between the credit scores given by Equifax and TransUnion.
  • The 2 credit reporting agencies start off with the same factors, but they use different formulas, weightings and algorithms in their calculations, which may result in different final scores.
  • Credit Score is updated monthly, while Equifax updates daily.

Protecting our members' personal and financial information is our priority. We invest $70 million a year in security measures. Desjardins invests more than $70 million each year in fraud prevention and security measures.

The Desjardins solution is a Member Advantage, so we cover the costs. It includes identity recovery assistance and compensation of up to $50,000 for certain expenses if your identity is stolen. Psychological assistance will also be provided to members who request it.

The 5-year Equifax credit monitoring service is an added component of Desjardins identity protection and is offered to Desjardins members using AccèsD. It allows you to check your Equifax credit file. In addition, Equifax will monitor your file and send you alerts of key changes. This service also includes identity theft insurance.

Visit the identity theft section of our website. It has tools and tips to help you navigate today's digital world.

If you were one of our members affected by the privacy breach announced in June 2019

For a period of time following the breach, Desjardins extended the Equifax service to members who didn't have an email address and offered to phone them if any alerts were received for their credit file. Based on what we've seen in the past few months, it`s better for members to receive their alerts directly from Equifax, without Desjardins's involvement. As a result, this option is no longer available.

If you weren't affected by the privacy breach announced in June 2019

The Equifax credit monitoring service needs to be activated online, and it allows you to check your credit file online and receive email alerts. That's why it's only available to those who use Desjardins's online services.

  • We've always said that we wanted to expand Desjardins's identity protection services. Since the privacy breach was announced on June 20, 2019, over a million affected members have signed up for the Equifax credit monitoring service.
  • A number of members who weren't affected by the breach have said they'd also like this service. We listened, and have expanded our offer.
  • The interest in the Credit Score feature that allows all AccèsD users to check their TransUnion credit file confirms that our members want to know more about their credit.

Yes. They'll need to become a caisse member and sign up for AccèsD (online or mobile). They'll also need to meet the eligibility criteria for the service. Members will receive an activation code for the Equifax service in their AccèsD message box in the month after they sign up.

In order to sign up for the Equifax credit monitoring service, you must:

  • Have an AccèsD online or mobile account
  • Have a Canadian mailing address (P.O. boxes don't count)
  • Have an email address
  • Be at least 18 years old
  • Have a credit file (e.g., credit card, mortgage, line of credit)

We will be sending activation codes to members' AccèsD message boxes between now and January 31, 2020. Members will have until April 30, 2020, to sign up.

The codes will be sent out gradually to avoid bottlenecks and limit wait times when people are signing up.

No. The Equifax alert service isn't available for businesses, but they are covered by Desjardins identity protection.

No. The Equifax alert service isn't available for trusts and estates, but they are covered by Desjardins identity protection.

You'll be able to track your credit with Canada's 2 main credit monitoring agencies. What's more, Equifax alerts are a convenient way to see the effect that your financial habits and transactions have on your credit score. It's a handy tool to help you keep track of your finances on your own.

You can cancel your service by contacting Equifax, and they'll also sign you up again using the activation code you received in your AccèsD message box.