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Fees
Promotions
Services and fees may vary from one caisse to another. Contact your caisse for further details.
| Transaction/Operation | Personal Chequing, Build-Up Savings, Regular Savings1 | High-Yield |
|---|---|---|
| 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®2 | $1.50 | $1.50 |
| Plus2 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 | $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 caisses3 | $1.00 | $1.25 |
| Cheque | $1.004 | $1.50 |
| Teller services | ||
| Cashing, withdrawal or transfer | $1.254 | $1.50 |
| Bill payment | $2.254 | $2.50 |
| Deposit, account balance information accompanying a transaction, 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 account5 and your regular savings accounts6) 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 account5 with a transaction plan including related regular savings accounts6 | Free |
| For a chequing account5 without a transaction plan including related regular savings accounts6 | $1.00/month |
| Passbook account | |
| For a chequing account5 | $2.50/month |
| For a Regular Savings Account6 | $2.50/month |
| Service | Fee | |
|---|---|---|
| Debit chip card | ||
| Renewal or defective card | Free | |
| Additional card for the same folio or unnecessary replacement (upon the second replacement to be requested in the past 12 months) | ||
| Regular delivery | $5.00 | |
| Rush or urgent delivery | $10.00 | |
| American Express® single-signature traveller's cheques | 1 % (min. $4.50) | |
| Cheque retained for future cashing | $5.00 | |
| NSF cheque or pre-authorized payment | $45.00 | |
| Certified cheque | ||
| At signatory's request | $15.00 | |
| At payee's request | $20.00 | |
| Safety deposit box (annual rental)7 | From $40.00 | |
| Order of personalized cheques7 | Supplier's fee | |
| Confirmation or information on balances, fees, interest, transactions or other operations | ||
| By telephone or at the counter | $3.25 | |
| 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 | |
| Account overdraft | ||
| The first day | $5.00 | |
| Subsequent day if increased | $5.00 | |
| Cashing traveller's cheques | ||
| Member | Free | |
| Non-member | $2.50/transaction | |
| Closing an account | ||
| At the resquest of another financial institution | $20.00 | |
| Less than 90 days after opening | $20.00 | |
| Inactive folio after a written notice | ||
| Quebec | ||
| After 1 years | $15.00 | |
| After 2 years | $30.00 | |
| After 3 years | $50.00 | |
| Ontario | ||
| After 2 years | $15.00 | |
| After 5 years | $30.00 | |
| After 10 years | $50.00 | |
| Opening a trust account | ||
| Act verified by Desjardins’s Legal Affairs Division | Between $250.00 and $500.008 | |
| Act verified externally (including the statement of completeness form) | Free or up to $250.0089 | |
| Cheque or other document search | ||
| 90 days or less | $5.00 each | |
| More than 90 days | $35.00/hour (min. $17.50) | |
| 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) | $50.008 | |
| 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 or 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) | |
| Transfer | ||
| Set up of automatic transfer | Free3 | |
| On request | $5.50 | |
| Overdraft transfer | ||
| Registration fee | Free | |
| Monthly fee | Free | |
| Overdraft transfer fee10 | Free | |
| Interac e-Transfer (excluding withdrawal fees11) | $1.00 | |
| Transaction | Fee |
|---|---|
| Purchase and sale of American currency | |
| Member | Free |
| Non-member | $5.00 |
| Purchase and sale of currencies other than American | |
| Member | $3.50 |
| Non-member | $5.00 |
| Issuance of a U.S. dollar cheque on a Canadian dollar account | $15.00 |
| 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 cashing12 |
| Funds transfer | |
| Sending funds | |
| Within Canada | Between $5.00 and $50.00 |
| Outside Canada | Between $0.00 and $80.00 |
| Receiving funds | |
| Under $50.001314 | Free |
| More than $50.001314 | $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.
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.
® Registered trademark and trademark of American Express Company.
* Visa Int. / Fédération des caisses Desjardins du Québec, authorized user.
- 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 and $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 andpaiddirectly 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 opion is issued).
- Interest fees apply to your Desjardins credit card for all cash advances.
- For Interac e-Transfers, fees apply in addition to the account withdrawal fee. Fees of $1.00 apply for personal chequing, build-up savings and regular savings accounts and fees of $1.25 apply for high-yield accounts.
- 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.
