Transaction plans

Find the best monthly plan for you

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Select a plan based on your transaction habits.

Fixed-rate monthly plans

Unlimited Plus Unlimited Intermediate Basic
Number of monthly transactions Unlimited Unlimited 30 12
AccèsD, Access Card (debit card), cheque and ATM transactions Included Included Included Included
Teller services Included Included Included Included
Money orders or drafts Included Not included Not included Not included
Personalized cheques Included Not included Not included Not included
Certified cheques Included Not included Not included Not included
Discount on a safety deposit box rental Included Not included Not included Not included
Monthly return of paper cheque images Included Not included Not included Not included
Online account statement Included Included Included Included
Paper account statement Included Included Included Included
Free with a minimum monthly balance of $5,000 $4,000 $2,500 $1,500
Monthly fees $21.95 $13.95 $8.95 $3.95

Account maintenance fees apply to passbook accounts. Refer to page 18 of the Guide to service fees (PDF, 232 KB) for more information.

As of September 19, 2021, you’re no longer able to select a passbook when opening a new account or switch to a passbook from a paper or online statement.

Transactions that exceed the maximum allowed under your plan or that are not included in your plan are charged at the regular transaction rate.

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Offers adapted to your situation

Students

Students enjoy a fee-free monthly plan with unlimited transactions.

Check out our offers for students

Professionals

As a professional, you benefit from exclusive offers. Discover all your advantages.

Get the offers for professionals

Newcomers

Plan for an easy move with our no-fee account, free debit and credit card and unlimited transactions.

See the offer for newcomers

Desjardins Merit Service

If you're 60 or older, you get up to $4 off service fees for your everyday account or monthly plan.

Speak to my advisor for more information

Did you know?

Many transactions are free with all plans. For example:

  • Deposits at an ATM or the counter, direct deposits and mobile deposits
  • Automatic transfers between accounts in a single folio
  • Repayment of a Desjardins line of credit or mortgage

3 ways to pay less in service fees

  1. Choose a monthly transaction plan. Pick one that suits your usual minimum balance, account access methods 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

* Interac is a registered trademark of Interac Inc. and used under licence.

† Trademark of Visa International Service Association and used under licence.

  1. For withdrawals at non-Desjardins Interac* and Plus† -affiliated ATMs, fees of $1.50, $3.00 or $5.00 may apply. However, some ATM operators may charge additional fees. They must inform you of the fee via an on-screen message before processing the transaction. You then have the option of cancelling the transaction. These fees are added to the withdrawal amount and paid directly to the ATM operator. For more information, see page 18 of the Service fees guide, available at your caisse or as a link on this page.
  2. An order of 100 personalized cheques per year, Desjardins model.
  3. Annual $15 discount (including taxes).
  4. As of June 12, 2022, return of paper cheque images will only be available to those who already have this service.
  5. The $1.00 account maintenance fee that applies to the monthly paper statement is waived for transaction plans.
  6. The fee for the monthly plan will be waived if the plan's required minimum monthly balance is maintained in the Everyday Transaction Account or Build-Up Savings account throughout the entire month.