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.
Compare plans| 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 | ||
| Cheque 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 |
Cashing government cheques
In Quebec and in Ontario, there is no charge for the complete or partial cashing of a cheque or payment order issued by the federal government.
In Quebec only, there is no charge for the complete or partial cashing of a cheque or payment order issued by the Quebec government or a Quebec municipality.
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:
| Transaction | Fee |
|---|---|
| Purchase and sale of US currency | Free |
| Purchase and sale of currencies other than US | $3.50 |
| Issuance of a US dollar cheque on a Canadian dollar account | $17.00 |
| Cashing or deposit of cheques, money orders or drafts in a Canadian dollar account | |
| US currency | $2.50/deposit or cashing |
| Other foreign currency | $12.00/deposit or cashing |
| Funds transfer | |
| Sending funds | |
| SWIFT electronic funds transfers | |
| Sent abroad | $15 |
| To Desjardins Bank | $7.50 |
| Direct deposit | |
| To Desjardins Bank | Free on AccèsD $5.00 at a caisse |
| To the U.S. | $4.00 |
| Abroad | $8.00 |
| Haïti, Morocco, Portugal14 | $7.00 |
| 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
- Choose a monthly transaction plan. Pick one that suits your usual minimum balance and transaction volume.
- Combine transactions. Ask for cash back when you’re paying for your groceries at the store.
- Bundle bills in a single payment. Pay off your credit card in one monthly payment instead of several.
Learn more
- Consult the Guide to service fees (PDF, 2.8 MB) - This link will open in a new window..
- See all our plans.
® Registered trademark of Interac Inc. Used under licence.
* Trademark of Visa Int. Used under licence.
- Cheques and pre-authorized payments 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.
- Fees also apply to transactions in $U.S. Build-Up Savings Accounts.
- 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).
- 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.
- 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 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).
- 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.
- 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.
- Available only on AccèsD.