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Services and fees may vary from one caisse to another. Contact your caisse for further details.

Transaction/Operation Personal Chequing, Build-Up Savings, Regular Savings Accounts High-Yield Account
Desjardins ATMs
Withdrawal, transfer and payment of a bill registered in your file $1.00 $1.25
Deposit, account balance information, passbook update, summary of transactions, line-of-credit repayment Free Free
ATMs other than Desjardins
Interac® network (in Canada) $1.50 $1.50
Plus network (outside Canada)
  Desjardins Bank
  Crédit Mutuel
  In North America
  Elsewhere in the world


AccèsD (Internet, mobile or Telephone)
Transfer and payment of a bill registered in your file (Interac e-Transfers® and money transfers cannot be made on AccèsD Telephone.) $1.00 $1.25
Account balance information, online account statement, summary of transactions, line-of-credit repayment Free Free
Direct payment (Canada, United States) $1.00 $1.25
Direct deposit, pre-arranged transfer between accounts in the same folio Free Free
Direct withdrawal (pre-authorized payment) $1.00 $1.25
Automated transfer between accounts in different folios at the same or different caisses $1.00 $1.25
Cheque $1.00 $1.50
Teller services
Cashing, withdrawal or transfer $1.25 $1.50
Bill payment $2.25 $2.50
Deposit, account balance information, passbook update and line-of-credit repayment Free Free

Account maintenance charges may apply to certain accounts if the total balance in your folio (your personal chequing account and your regular savings accounts) is less than $2,500.

The following charges will then apply:

Account Fee
Account with monthly online statement
For all types of account Free
Account with monthly paper statement
For a chequing account with a transaction plan including related regular savings accounts Free
For a chequing account without a transaction plan including related regular savings accounts $1.00/month
Passbook account
For a chequing account $2.50/month
For a Regular Savings Account $2.50/month
Service Fee
Debit card
Additional card $5.00
Cheque retained for future cashing $5.00
Certified cheque
At signatory's request $15.00
At payee's request $20.00
Safety deposit box (annual rental) From $40.00
Order of personalized cheques Supplier's fee
Confirmation or information on balances, fees, interest, transactions or other operations
In writing $35.00/hour
Stop payment
With complete information (date, balance and name of payee)
On AccèsD

Stop payments on pre-authorized payments or any modification to such a stop payment must be made before 3:00 p.m. on the date the payment is to be processed. Stop payments on cheques can be made at any time.

At the counter $13.00
With partial information $20.00
For a series of cheques or pre-authorized payments $20.00
Cashing traveller's cheques Free
Closing an account
Upon request from another institution $20.00
Less than 90 days after opening $20.00
Inactive folio
After 1 year $15.00
After 2 years $30.00
After 3 years $50.00
After 2 years $15.00
After 5 years $30.00
After 9 years $50.00
Insufficient funds
NSF cheque or pre-authorized payment
(Indicated as Returned cheque charges on account statement)
Overdraft transfer
  Caisse transfer
  Annual interest rate (calculated daily)

Overdraft protection (on eligible credit card) Free
Opening a trust account
Act verified by Desjardins's Legal Affairs Division Between $250.00 and $500.00
Act verified externally (including the statement of completeness form) Free or up to $250.00
Cheque or other document search $5.00 each
Registered plan
Total or partial withdrawal (RRSP, LIRA) $50.00, free for HBP or the LLP
Preauthorized transfer (RRIF, LIF) Free
Transfer to a financial institution other than Desjardins (TFSA, RRSP, RRIF, RESP, RDSP) $50.00
Monthly online account statement (on AccèsD Internet) Free
Weekly paper account statement $1.00
Account statement with cheque images
Paper account statement
Weekly with online cheque images $1.10
Monthly with paper or online cheque images $3.50
Online account statement on AccèsD Internet
Monthly with paper cheque images $3.50
Monthly with online cheque images $2.00
Drafts or money orders (all currencies)
Reimbursement and photocopy Between $10.00 and $50.00
Issuance $7.50
All other administrative tasks
Requested by a member, a third party or as a result of a member's omission $35.00/hour (min. $17.50)
Set up of automatic transfer Free
On request $5.50
Transaction Fee
Purchase and sale of American currency Free
Purchase and sale of currencies other than American $3.50
Issuance of a U.S. dollar cheque on a Canadian dollar account $17.00
Cashing or deposit of cheques, money orders or drafts in a Canadian dollar account
American currency $2.50/deposit or cashing
Other foreign currency $12.00/deposit or cashing
Funds transfer
Sending funds
Within Canada Between $2.00 and $50.00
To Desjardins Bank Between $0.00 and $10.00
Outside Canada Between $4.00 and $80.00
Receiving funds
Under $50.00 Free
More than $50.00 $15.00

Some tips on reducing your fees:

  • Choose one of our transaction plans.
  • Consolidate your accounts.
  • Sign up for AccèsD.
  • Use Desjardins ATMs.
  • Automate your bill payments.
  • Use direct payment.
  • Opt for direct deposit.
  • Choose a transfer option.
  • Sign up for overdraft transfer.

Learn more on How to reduce your service charges

Did you know?
Members with a permanent disability that prevents them from using ATMs can carry out their transactions at the counter at the reduced automated services rate. Simply ask a caisse employee for more information.

Plans and other accounts are available:

Learn more

® Registered trademark of Interac Inc. Used under licence.

* Trademark of Visa Int. Used under license.

  1. Cheques and direct withdrawals are transactions that cannot be made with a Regular Savings Account.
  2. For withdrawals at non-Desjardins Interac® and Plus-affiliated* ATMs, additional fees of $1.50, $3.00 or $5.00 will apply. For individual members of Desjardins caisses populaires that are members of the Fédération des caisses populaires de l’Ontario Inc., Interac network access fees ($1.50 per transaction) are waived for all transaction plans. However, certain ATM operators charge additional fees for the use of their machines. They must inform the user via an on-screen message before processing the transaction. The user then has the option of cancelling the transaction. These fees are added to the amount of the withdrawal and paid directly to the ATM operator.
  3. A $5.00 service charge applies to changes to billed automated transfers, performed at the counter.
  4. Fees also apply to transactions in $U.S. Build-Up Savings Accounts.
  5. Personal Chequing, Build-Up Savings and Professionals Accounts.
  6. Regular Savings Account non-registered plan only.
  7. These charges are subject to the GST and QST (Quebec) or HST (Ontario).
  8. Fees apply in Quebec only.
  9. Fees may apply if the caisse wants to get a second opinion from Legal Affairs (e.g., when an external qualified legal opinion is issued).
  10. The available credit limit for an overdraft transfer, the card conditions, and the applicable credit and security rules may lead to service suspension. Details and conditions at www.desjardins.com/overdraft.
  11. Fees of $12.00 apply for each deposit or cashing of more than 1 item (check, money order or draft) if these items are of the same foreign currency and country.
  12. Applicable charges are calculated on the transferred amount received, or, as the case may be, on the amount of Canadian currency resulting from the conversion of foreign currency. The conversion rate corresponds to market rates in effect at the time funds are received.
  13. Some correspondent banks may impose charges or additional charges which will be deducted from the amount transferred.
  14. An overdraft is when your account is overdrawn, meaning that a cheque or pre-authorized payment is made when there insufficient funds. In this case, the caisse may, at its discretion, advance you the sum necessary to complete the transaction.