Withdrawal limits, funds on hold and authorized transits
Withdrawal limits
Daily limits on direct payments may be different from those for ATM withdrawals. Your caisse can change them, if necessary, based on your needs and habits.
You can temporarily change your withdrawal limit for your accounts on your own on AccèsD or by contacting an advisor.
Contact an advisor:
Montreal area:
514-CAISSES (514-224-7737)
Elsewhere in Quebec, Canada and the US:
1-800-CAISSES (1-800-224-7737)
ATM withdrawals
The ATM withdrawal limit for accounts is usually $1,000 a day. Your caisse can decrease this amount or increase it up to a maximum of $2,500.
However, the ATM you use might have a different withdrawal limit. If so, this limit will apply.
Transaction | Daily limit |
---|---|
Interac e-Transfers® | Sending: $5,000 per transfer, per 24-hour period Receiving: $10,000 per transfer |
Desjardins money transfers (on AccèsD or at ATMs) | From an account: $5,000 per day Members under age 18: up to $5,000 per day From a Desjardins credit card: $1,000 per 24-hour period |
Direct payments | $1,000 per day |
Funds on hold
Funds on hold are deposits that you've made to your account but which haven't cleared yet. The clearing process may take 5 to 15 days and applies to:
- Deposits made at ATM and in person
- Mobile deposits
- Transfers from another financial institution (excluding Interac e-Transfers)
Rejected transfers and cheques
The release of funds doesn't guarantee that a transfer or cheque is valid. They may be rejected 1 day to 6 years later for various reasons like insufficient funds, post-dated transfers or fraudulent cheques.
When a transfer or cheque is rejected, the amount must be repaid immediately and will be withdrawn from your account.
3 ways to prevent holds on funds
Use electronic payments where your funds will become available as soon as possible.
Need more information?
Call us.
Montreal area:
514-CAISSES (514-224-7737)
Elsewhere in Quebec, Canada and the US:
1-800-CAISSES (1-800-224-7737)
® The Interac logo and Interac e-Transfer are registered trademarks of Interac Corp. Used under licence.
- This limit may be changed by your caisse. It may vary between $0 and the balance available in your account
- Conditional upon a review of your file or the item in question.
- Hold times are applied according to transaction processing days.
- The timeframe for returned items is decided by Payments Canada and varies, based on the reason a payment is refused by the issuing financial institution.