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Fees
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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 |
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.) | $1.00 | $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:
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.
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:
- Range of plans, for all types of transactional needs
- Desjardins Youth Profit Account, for youth 21 and under, and for full-time post-secondary students aged 22 to 25
- Desjardins Merit Service, for members ages 60 and over
Learn more
® Registered trademark of Interac Inc. Used under licence.
* Trademark of Visa Int. Used under license.
- Cheques and direct withdrawals are transactions that cannot be made with a Regular Savings Account.
- 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.
- A $5.00 service charge applies to changes to billed automated transfers, performed at the counter.
- Transaction fees apply to the $U.S. Build-Up Savings Account.
- Personal Chequing, Build-Up Savings and Professionals Accounts.
- Regular Savings Account non-registered plan only.
- These charges are subject to the GST and QST (Quebec) or HST (Ontario).
- Fees apply in Quebec only.
- 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).
- 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.
- 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.
- 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.
- Some correspondent banks may impose charges or additional charges which will be deducted from the amount transferred.
- 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.
