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Welcome offer for newcomers to Canada

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Welcome offer for newcomers

Welcome offer for newcomers

If you just moved to Canada, you are probably looking for a trustworthy institution that can meet your financial needs.

Desjardins, the leading cooperative financial group in Canada, has created a special offer of products and services tailored to the needs of newcomers. Find out what it's all about!

Eligibility

This offer is for:

  • permanent residents who have lived in Canada for 3 years or less
  • newcomers who are not yet Desjardins members or who have been for 1 year or less

or

  • temporary foreign workers with a closed work permit of 6 months or more and a determined employer, or with an open work permit with code 10 or 41
  • newcomers who are not yet Desjardins members or who have been for 1 year or less

Want to open an account at Desjardins from your home country or once you arrive in Canada? It's easy! Do it online or make an appointment with an advisor.

Open an account

Chequing account with unlimited free transactions for 1 year1

  • Features unlimited transactions no matter how you access your account (ATM, AccèsD Internet, mobile and telephone, direct payment, teller services, etc.)2
  • Lets you make all types of transactions: deposits, withdrawals, cheques, transfers, purchases, bill payments
  • Includes automatic registration for AccèsD online banking services and monthly online account statements
  • Includes a Desjardins Access Card you can use to withdraw cash at over 60,000 ATMs in Canada and over 1 million PLUS3 Network ATMs around the world

Small safety deposit box free for 1 year4

  • Lets you securely store your papers and valuables
  • Gives you the option of renting a larger safety deposit box at a discount equivalent to the cost of renting a small one

Enhanced rate5 for non-redeemable term savings

  • Minimum balance of $1,000
  • A secure investment—your capital and return are guaranteed

Recognition of years of driving experience6

When you ask for an auto insurance quote, we recognize your years of experience as a principal driver in your home country—which means you'll enjoy an attractive rate.

To take advantage of this, when you call Desjardins General Insurance Inc., be sure to mention that you received the "Welcome offer for newcomers to Canada."

Learn more about car insurance.

Desjardins also offers all the other complementary products you may need on your arrival in Canada.

Credit cards

An array of credit cards with various advantages, accepted all over the world.

  • No credit history is needed and no security deposit is required7.
  • An advisor will be pleased to help you chose the card that's best suited for you.

Learn more - Get a credit card

Prepaid card8

Available in Québec only
  • Reloadable card up to $5,000 that allows you to make purchases anywhere Visa is accepted, online and abroad. You can also use it to withdraw cash from ATMs.
  • It costs only $6.95 a year and there are no additional withdrawal, reloading or transaction fees9
  • It also comes with Zero Liability—free protection in the event of unauthorized use of your card.

Learn more - Prepaid card

International money transfers

  • Moving to Canada: If you applied to open an account before leaving your country of origin, Desjardins or your caisse can help you transfer funds to your Desjardins account before you move.
  • Arrived in Canada: Once you are a member of a caisse, you can make international transfers to send funds to your family members or friends, whether on your own through AccèsD Internet or at a caisse near you.

Learn more - International money transfers

Foreign currency

  • Currency exchange transactions
  • New accounts
  • Drafts and cheque cashing

Visitors to Canada Insurance

If you are a newcomer to Canada and are not yet covered by a provincial health plan, you can get the Visitors to Canada Insurance. This essential coverage allows you to get emergency health care in the event of an accident or illness and therefor ensures peace of mind. It is also offered to individuals visiting Canada with a work visa or study visa, to visitors to Canada and to Canadians not covered by a provincial health plan.

If you are a Desjardins member and are eligible for Visitors to Canada Insurance, you can enjoy a 3-day discount on your insurance.

  • Choice of coverage amounts up to $150,000
  • What's covered:
    • Hospital care
    • Medical care and services (physician, surgeon, etc.)
    • Care and services prescribed by a physician (medications, x-rays, etc.)
    • Care provided by health professionals (chiropractor, podiatrist, etc.)
    • Dental care
    • Transportation costs (ambulance, repatriation, etc.)
    • Living expenses
    • Certain death-related expenses

Visitors to Canada Insurance gives you 24/7 access to a range of assistance services at no additional cost. A mobile app is also available at no charge.

Learn more - Visitors to Canada Insurance

Desjardins assistance services

Desjardins now offers its members Identity Theft Assistance, Travel Assistance and Estate Assistance at no extra cost. Don't hesitate to contact us in the event of an emergency or as a preventive measure. You can reach our team 24 hours a day, 7 days a week.

Learn more - Desjardins assistance services

Auto and home insurance

Available in Québec only

Once settled in Quebec, you will probably have to insure valuable property, such as your home and vehicle. You'll want adequate coverage, competitive premiums and unfailing service. That's what you'll get with the insurance products offered by Desjardins, the largest property insurer in Quebec.

If you're eligible for the Welcome offer for newcomers to Canada or if you've signed up for the offer, we'll recognize your years of experience as a principal driver in your home country—which means you'll enjoy an attractive rate when you ask for an auto insurance quote. To take advantage of this, when you call Desjardins Insurance, be sure to mention that you've signed up for the Welcome offer for newcomers to Canada.

Learn more - Auto and home insurance

  1. Corresponds to the Premier plan, valued at $13.95 a month.
  2. For withdrawals from non-Desjardins ATMs in the Interac* and PLUS networks, service charges apply. For individual members of caisses populaires affiliated with Fédération des caisses populaires de l'Ontario inc., Interac network access fees ($1.50 per transaction) are included in all transaction plans.
    * Trademark of Interac Inc. Used under licence.
  3. Trademark of Visa International Service Association and used under license.
  4. Offered at caisses where this service is available.
  5. Certain conditions apply. Contact your Desjardins caisse advisor to find out what enhanced rate you are eligible for once your file has been examined.
  6. In Quebec only. Certain conditions apply.
  7. To get a Desjardins credit card, new immigrants must become members and own an account in a Desjardins caisse in Quebec or a caisse populaire in Ontario. They must also be willing to reside in Canada. The credit card and credit limit will be issued based on a credit risk assessment. Other conditions apply.
  8. Offered to Quebec residents, age 16 and over.
  9. Currency conversion charges apply on amounts charged to account in foreign currencies and converted into Canadian dollars. Fees to replenish the account from which the card is reloaded may be charged by the financial institution approached by the cardholder or at which the account is held. Fees may apply depending on the ATM used.

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