How to reduce your service charges

Choose one of our transaction plans

To find the best 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.

Consolidate your accounts

Maintaining a higher balance in your accounts is an advantage: your plan could cost you nothing if you maintain the appropriate minimum monthly balance1 in your account. To do so, consolidate all your accounts into a single one.

Find out more about accounts.

Sign up for AccèsD

AccèsD (Internet, mobile and telephone) makes it easier to manage your personal finances. Registration is free and the service is accessible from anywhere in the world at any time1.

Find out more about AccèsD Internet.

Use Desjardins ATMs2

Did you know that Desjardins has the most ATMs of any financial institution in Quebec and one of the largest ATM networks in Canada?

With more than 2,000 ATMs across the province, Desjardins has nearly 45% of all ATMs in Quebec.

More good news: there are no additional withdrawal fees when you use a Desjardins ATM.

Locate a Desjardins ATM

Automate your bill payments

You have 3 options:

  • Opt for direct withdrawal to pay your regular bills. Your payment will be deducted automatically from your account on the date and under the conditions you have selected (fixed amount or entire balance), and your bills will be paid on time.

    Find out more about Direct withdrawal.

  • Open a bill payment file at your caisse or by calling AccèsD services. You can then pay your bills at the ATM quickly and easily.

  • Pay your bills safely through AccèsD (Internet, mobile or Telephone) from the comfort of your home. You can even schedule your payments in advance.

Find out more about Bill payments.

Use direct payment

Direct payment service charges for using your Desjardins Access Card are lower than the fees that apply to payments by cheque or withdrawals at the counter.

When you make a purchase using direct payment, you can withdraw cash if the merchant provides this service. Combine two transactions in one!

Find out more about Desjardins Access Card.

Opt for direct deposit

You can easily have your salary, family allowance, welfare benefits and annuity payments deposited directly in your account, from the comfort of your home.

Find out more about Direct deposit.

Choose a transfer option

With transfers between accounts, you can avoid having to issue a series of cheques and transfer money between your accounts in a single folio or between folios held in 1 or more caisses. You won't have to pay fees for transfers between accounts in the same folio.

Find out more about Transfers between accounts.

With Interac e-Transfer®, you can transfer money at any time, by text or email, to anyone with an account at another Canadian financial institution.

Find out more about Interac e-Transfer®.

Sign up for overdraft transfer

With the Overdraft Transfer service3, you can use the available credit on your Desjardins credit card to cover a cheque, bill payment, or any other transaction that exceeds the balance in your Personal Chequing Account (PCA) or any other eligible account. It lets you avoid fees for insufficient funds.

Find out more about Overdraft transfer.

Did you know?
Members who are unable to use an ATM due to a permanent handicap may carry out their translations at their caisse's teller counter at the same fees as for automated services. Speak to the staff at your caisse to learn more.

® Interac and Interac e-Transfer are registered trademarks of Interac Inc. Used under licence.

  1. The fee for the monthly plan will be waived if you maintain your plan’s required minimum monthly balance in your Personal Chequing Account or Build-Up Savings account throughout the entire month.
  2. Except Sunday, 2:00 a.m. to 6:00 a.m. (ET).
  3. Certain accounts cannot be linked to a Visa Desjardins card.