Service fees

Service fees for individual transactions

Find out everything about our transaction fees

Get the complete breakdown of charges for regular transactions, account maintenance, additional services and foreign currency transactions.

Looking to save on fees? Choose a fixed-rate monthly plan according to your transaction habits and usual minimum balance.

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

Free
Free
$3.00
$5.00

Free
Free
$3.00
$5.00
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.) $1.25 $1.50
Account balance information, online account statement, summary of transactions, line-of-credit repayment Free Free
Direct payment (Canada, United States) $1.25 $1.50
Direct deposit, automatic transfer between accounts in the same folio Free Free
Pre-authorized payment $1.25 $1.50
Automatic transfer between accounts in different folios at the same or different caisses $1.25 $1.50
Cheque $1.25 $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 fees 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 rates are as follows:

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 related Regular Savings Accounts Free
For a Chequing Account without a transaction plan including related 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
Access 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 price
Confirmation or information on balances, fees, interest, transactions or other requests
In writing $35.00/hour
Stop payment
With complete information (date, balance and name of payee)
On AccèsD $12.00
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
Quebec
After 1 year $15.00
After 2 years $30.00
After 3 years $50.00
Ontario
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)
$45.00
Overdraft
  Caisse transfer
  Annual interest rate (calculated daily)

$5.00
21%
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
Weekly with paper cheque images $2.60
Monthly with online cheque images $2.00
Monthly with paper cheque images $3.50
Online account statement on AccèsD Internet
Monthly with paper cheque images $3.50
Monthly with online cheque images $2.00
Draft or money order (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)
Transaction Fee
Purchase and sale of U.S. currency Free
Purchase and sale of currencies other than U.S. $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
U.S. 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

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

3 ways to pay less in service fees

  1. Choose a monthly transaction plan. Pick one that suits your usual minimum balance and transaction volume.
  2. Combine transactions. Ask for cash back when you’re paying for your groceries at the store.
  3. Bundle bills in a single payment. Pay off your credit card in one monthly payment instead of several.

Learn more

® Registered trademark of Interac Inc. Used under licence.

* Trademark of Visa Int. Used under licence.

  1. Cheques and pre-authorized payments 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. Fees also apply to transactions in $U.S. Build-Up Savings Accounts.
  4. Personal Chequing, Build-Up Savings and Professionals accounts.
  5. Regular Savings Account non-registered plan only.
  6. These charges are subject to the GST and QST (Quebec) or HST (Ontario).
  7. Fees apply in Quebec only.
  8. 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).
  9. 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.
  10. Fees of $12.00 apply for each deposit or cashing of more than 1 item (cheque, money order or draft) if these items are in the same currency from the same country.
  11. 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.
  12. Some correspondent banks may impose charges or additional charges which will be deducted from the amount transferred.
  13. An overdraft is when your account is overdrawn, meaning that a cheque or pre-authorized payment is made when there are insufficient funds. In this case, the caisse may, at its discretion, advance you the sum necessary to complete the transaction.