^® Odyssey^®, BONUSDOLLARS^®, Desjardins^®, Desjardins Insurance^®, all trademarks containing the word Desjardins, as well as related logos are trademarks of the Fédération des caisses Desjardins du Québec, used under licence.

^® Mastercard^® and World Elite^® are registered trademarks, and the circles design is a trademark of Mastercard International Incorporated.

^† The service is available 24/7 (except on Sundays from 2 AM to 6 AM ET).

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

1. This promotional offer is for student members. This includes members between the ages of 18 and 21; members ages 22 to 25 enrolled in a full-time college or professional program at a recognized educational institution in Canada; and members who are full-time students at a Canadian university, regardless of their age. If you get this offer, the fee waiver only applies to the Unlimited plan. For withdrawals at non-Desjardins Interac^® and Plus^*-affiliated ATMs, fees of $1.50, $3.00 or $5.00 may apply. 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 the Service fees page.
2. This offer is for student members who are full-time students in a Canadian university, regardless of their age. If you get this offer, the fee waiver only applies to the Unlimited plan. For withdrawals at non-Desjardins Interac^® and Plus^*-affiliated ATMs, fees of $1.50, $3.00 or $5.00 may apply. 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 the Service fees page.
3. You have 21 days from the date the monthly statement is issued to pay the full balance on your account without interest, except on cash advances.The minimum payment is 5% of the following: your outstanding balance, interest on purchases, monthly installments that were not paid by the due date for the previous period, regular purchases and cash advances from the current statement period, plus interest on cash advances. This amount will also include any other amounts due under your credit card contract. Here are some examples of applicable interest for a 30-day billing cycle: If the regular annual interest rate is 19.9% and your average daily outstanding balance is $100, you'd be charged $1.64 in interest. If it's $500, you'd be charged $8.18 in interest, and if it's $1,000 you'd be charged $16.36 in interest.
4. This coverage is offered by Desjardins Financial Security and applies to people ages 75 and under. Coverage applies to cardholders, their spouse and dependent children when travelling with the cardholder. Some exclusions and restrictions apply. See your policy for coverage details.
5. This offer applies only to university students who were approved for an eligible card after June 18, 2018.
6. 6. To be eligible for Visitors to Canada Insurance, you must be between 15 days and 84 years old and fall into 1 of the following categories: Canadians not covered by a provincial health plan, newcomers waiting to be covered by a provincial health plan, foreign workers with a work visa, international students with a student visa, or visitors to Canada. Excludes Working Holiday permit holders. For more information see the Visitors to Canada Insurance page.
7. Certain conditions, exclusions and limitations may apply.
8. Account openings and money transfers from certain countries may be subject to strict regulations under Canadian and international economic sanctions.
9. Applicable fees are calculated on the transferred amount received, or, as the case may be, on the amount in Canadian dollars 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 fees or additional charges, which will be deducted from the amount transferred.