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Agrologists

Promotions

With the Desjardins Distinctive offer, take advantage of attractive rates and reduced fees on a complete range of products and services

  • Desjardins is the leading financial cooperative group in Canada, and the largest financial group in Quebec.
  • Nearly 1,200 points of service and 45 Desjardins Business centres in Quebec and Ontario.
  • Direct access to your finances from your smartphone and tablet with Desjardins mobile services.

For your personal needs

When you take advantage of this offer, your spouse can enjoy most of the personal finance benefits1 that you do, provided he or she is a member of your caisse.

Accounts - Marry efficiency with savings

Plan with unlimited transactions2 - The fixed monthly rate plan

Take advantage of a preferential rate of $7.95 per month on the Premium Plus plan and save $14 on standard plan fees.

The unlimited transactions plan is applicable to all transactions using any access method—teller, automated services3, cheques. It includes:

  • Interac e-Transfers ® 4 (unlimited)
  • Desjardins model personalized cheques (100 cheques a year)
  • Cheque certification (unlimited)
  • Drafts and money orders (unlimited)
  • Basic safety deposit box5
  • Return of paper cheque images (offer valid only with monthly account statements only)

Associated services - To make managing your money easier

Overdraft transfer - Avoid nasty surprises

Cover your eligible caisse account, at no charge6, if there are insufficient funds using your Visa** Desjardins card7.

Credit cards - Take advantage of a generous rewards program

Desjardins Visa Platinum card - The high-end card

Usually available by invitation only, it's the most complete credit card on the market that offers you an enticing rewards program:

  • 1% in BONUSDOLLARS® on your purchases
  • An annual cashback of 1% on your purchases, once your purchases reach $20,0008

Visa Desjardins Gold cards - A selection of prestigious cards

Get a rebate in BONUSDOLLARS equivalent to 50% of the annual fees and a benefit of up to $1,0009 with Mobile Device Insurance on these cards:

  • Elegance® Gold
  • Modulo® Gold
  • Odyssey® Gold

Certain Visa Desjardins cards have an annual fee.

Desjardins savings products, to make your assets grow

Guaranteed fixed-rate investments - Savings without risk

Make the most of the flexibility of guaranteed investments and benefit from a minimum bonus of 0.30% on posted rates.

Desjardins online brokerage10 - For the autonomous investor

Carry out your online transactions and make the most of our exclusive offer.

  • Commission credit of $100 deposited into your account when it's opened
  • No administration fees the 1st year 11 when opening a registered account
  • Rebate of up to $135 on transfer fees for portfolios worth more than $15,000

Desjardins Securities12 - Invest in the stock market with our support

  • No administration fees the 1st year when opening a registered account
  • Rebate of $100 on applicable commissions the 1st month following account opening
  • Rebate of transfer fees13 on competitor accounts

Chorus II Portfolios14 - Investing with distinction

Sophisticated investment solution whose objective is to optimize the net return of your after-tax investments (applies to Corporate Class Chorus II Portfolios).

  • Management fees decrease as your asset value increases. See your representative for details.
  • Usually only available to clients with initial investments of at least $100,000. However, no minimum amount is required.

Desjardins financing products, partners in your projects

Personal loans - Make your projects a reality

Additional 1% rate reduction.

Lines of credit - Take advantage of a flexible financing solution

Get financing tailored to your needs, while making the most of reduced rates granted on:

  • Desjardins Personal Line of Credit: prime rate plus 0.5%
  • Desjardins Investor STRATEGIC Line of Credit16: prime rate plus 0.5%
  • Versatile Line of Credit17: prime rate plus 0.5%

Mortgages - Finance your real estate project

For new mortgages and renewals

  • Prime rate or best offer on the reduced variable rate mortgages
  • Reduction of up to 1.75% on the fixed-rate portion of the hybrid mortgages

For new mortgages

  • Reimbursement of up to $850 on notary fees in Quebec (or lawyer fees in Ontario).
  • Reimbursement of up to $300 on chartered appraisal fees, if required.

RRSP loan - For tax savings

Make the most of attractive rates for RRSP loans to borrow, contribute and save for your retirement.

Cash damming technique - Another way to save on taxes

No fees applicable on the tax damming technique.

Prepare for any eventuality and have peace of mind

Life, health and disability insurance - Highly specialized personal insurance services

Access to a network of specialized financial security advisors18 and customized business solutions:

  • SELECT Disability Income Insurance19that replaces your income in the event of disability offered at a preferred rate based on the area of activity
  • Amortization expenses covered for recognized agricultural producers20
  • The Prestige Service21, which gives your file high priority.

For your business needs

Our plans - Reduce your operating costs

Tailored plans.

AccèsD Affaires

  • Tool to manage cash and financial transactions online
  • Also accessible from your smartphone or tablet with Desjardins mobile services

Reliable and customized solutions

  • Rigorous management of accounts payable to avoid penalties
  • Accurate, on-time pay calculation
  • Production of government reports and slips
  • Complete records of employment
  • Issuance of cheques or transfers to the employee's account
  • Support relating to regulation and legislation

Learn more Managing payroll and human resources

Accept payments by card - Increase sales by accepting payments by debit or credit card

Complete range of personalized payment solutions for accepting client payments by credit or debit card.

  • Take advantage of an exclusive preferred rate.
  • Secure your transactions.
  • Eliminate payment delays, making it simpler to manage your business.

Bill payments on AccèsD - Collect your fees directly online

  • Billing and professional fees.
  • Payments can be made online, at the counter or at an ATM.

Desjardins Visa Business Freedom Solutions package - 3 products in 1, adapted to your needs!

A complete financing solution that includes a line of credit, financing and a credit card.

  • Attractive rates
  • A line of credit for your operating expenses and Accord D Business financing, up to $100,000 when combined
  • A Visa Desjardins Business card for your business expenses
  • Accord D Business financing up to $50,000
  • AccèsD Affaires, an online cash management and transaction service

Accord D Business financing - Made-to-measure financing for your business

Get fast financing by taking advantage of a second, separate credit limit from existing Visa Desjardins Business card credit limit.

Credit limit up to $100,000

Visa Desjardins Business card - Spend, get and save!

  • Business Savings Program
    Control your business expenses while making the most of 1% cashback on purchases carried out with your Business card once your annual purchasing volume reaches $12,000 (max. $4,880/year)22
  • Travel insurance
    Coverage for as little as $3.75 per card, per month.

Operating line of credit and commercial loan - Finance your daily operations

A line of credit at competitive rates to meet your operations needs and to take advantage of supplier discounts.

Energy-efficiency loan

Loan for businesses who want to modernize their equipment and buildings in order to reduce their energy bill.

Desjardins savings products - To make your assets grow

  • Enhanced Investment Business Account
    • Enhanced interest rate savings account
  • Guaranteed fixed-rate investments
    • Bonus on certain terms of our guaranteed fixed-rate investments
  • Desjardins Online Brokerage10
    • $100 commission credit deposited in the account at the opening
    • Up to $135 cash back on transfer fees for portfolios of over $15,000

Group retirement savings solutions

  • Turnkey services for employers and their employees through a complete range of group plans:
    • Registered retirement savings plan (RRSP)
    • Deferred profit sharing plan (DPSP)
    • Simplified pension plan (SPP)
    • Defined contribution pension plan (DCPP)
    • Voluntary retirement savings plan (VRSP)
    • Life income fund (LIF)
    • Tax-free savings account (TFSA)
    • Locked-in retirement account (LIRA)
    • Registered retirement income fund (RRIF)
  • Discount of up to 30% on group and individual management fees for Melodia and SocieTerra portfolios

Free, made-to-measure, structured approach to support you through the process:

  • Team of experts at your service, working together with your partners
  • All services under one roof

Prepare for any eventuality and have peace of mind

Property and liability insurance2123

Enjoy essential basic coverage as well as specific coverage for service industry businesses like yours, at a preferred rate.

  • All-risk commercial insurance policy tailored to your needs

Insurance for commercial vehicles

15% annual cashback on your commercial vehicle insurance212324.

*Registered trademark of Interac Inc. Used under license.

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

®Elegance, Modulo, Odyssey and BONUSDOLLARS are registered trademarks of Fédération des caisses Desjardins du Québec.

Conditions apply to all products, services and benefits offered.

Financing offers (Visa Desjardins cards, payment options and all other forms of financing) are subject to credit approval.

May not be combined with any other offer or promotion. Content of the Distinctive Offer may change without prior notice.

  1. Except Visa Desjardins cards.
  2. Free when you maintain a minimum balance of $5,000.
  3. For withdrawals from non-Desjardins ATMs in the Interac* and Plus**, network service charges apply.
  4. Interac e-Transfer is a registered trademark of Interac Inc. Used under license.
  5. Depending on availability.
  6. No subscription, monthly or transaction fees. The charges that apply are the credit charges linked to cash advances. These are calculated at the Visa Desjardins rate at the time the advance is given.
  7. Service may be suspended due to a number of factors, such as available credit limit for overdraft transfer, the card conditions, or applicable credit and security rules.
  8. Purchases made on the Visa Desjardins Platinum card must reach C$20,000 to give you the 1% rebate. The 1% rebate is granted to a maximum of $100,000 in purchases per account, or a maximum $800 per year. The 1% rebate on purchases is paid on the account opening anniversary date. If the account is closed prior to the account anniversary date, the credit will not be granted. If the cardholder's account is more than 90 days past due and/or his Visa Desjardins Platinum card has been cancelled by the Fédération, the cardholder will lose his right to benefit from the 1% annual cashback credit and no credit will be granted.
  9. In the event your cellphone, smartphone or tablet is lost, stolen, accidentally damaged or experiences mechanical failure. Insurance coverage is underwritten by American Bankers Insurance Company of Florida (ABIC). ABIC, its subsidiaries, and affiliates carry on business in Canada under the name of Assurant Solutions®. ®Assurant Solutions is a registered trademark of Assurant Inc. Details of your insurance coverage, including definitions, benefits, limitations, and exclusions, are in the Certificate of Insurance provided with your card. The Certificate of Insurance is also available at Desjardins.com/cards.
  10. Desjardins Securities Inc. uses the trade name "Desjardins Online Brokerage" for its discount brokerage activities. Discount brokerage products and services are consolidated under the trademark "Disnat". Desjardins Securities is a member of the Investment Industry Regulatory Organization of Canada (IIROC) and the Canadian Investor Protection Fund (CIPF).
  11. No annual administration fees if the market value of the registered retirement savings plan or the locked-in retirement account is superior to $15,000 or if the value of the registered retirement income fund or life income fund is superior to $25,000.
  12. Desjardins Securities is a member of the Investment Industry Regulatory Organization of Canada (IIROC) and the Canadian Investor Protection Fund (CIPF).
  13. Applicable to transfers of $50,000 and over only. The minimum account balance after transfers must be $100,000.
  14. Desjardins Funds are not guaranteed, their value fluctuates frequently and their past performance is not indicative of their future returns. Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the prospectus before investing. Desjardins Funds are offered by such registered dealers as the Desjardins Financial Services Firm, a mutual fund dealer belonging to the Desjardins Group that distributes the Funds in caisses throughout Québec and Ontario, as well as through the Centre financier Desjardins.
  15. The prime rate is the annual variable interest rate that is publicly and occasionally set by the Caisse centrale Desjardins, and from which it calculates the interest rate on the loans it grants in Canadian dollars in Canada.
  16. Offered in Quebec only.
  17. For financing of at least $100,000. This line of credit is guaranteed by a 1st-rank immovable hypothec.
  18. Financial security advisors are employees of Desjardins Financial Security, a financial services firm.
  19. Product of Desjardins Financial Security Life Insurance Company.
  20. The definition of "recognized agricultural producer" is based on a minimum amount of agricultural income.
  21. Certain conditions apply.
  22. As soon as net purchases made on your Visa Desjardins Business card reach $12,000 annually (up to a limit of $500,000 a year), a credit equivalent to 1% of subsequent purchases will be posted to your business account once yearly, on the account anniversary date. Maximum annual cashback amount: $4,880. Cash advances, Visa cheques, Accord D Business financing transactions made at a Desjardins caisse, interest charges, merchandise returns, administrative charges and other purchase fees are not included. If the account is closed before the anniversary date of the account opening or if the cardholder's account is 90 or more days past due or if the Visa Desjardins Business card is cancelled by the FCDQ, the cardholder loses his/her right to 1% annual cashback and no deposit will be made.
  23. Offered by Desjardins General Insurance Inc., provider of automobile, property and commercial business insurance.
  24. Applies to business members of a Desjardins caisse in Quebec who hold business insurance with Desjardins Insurance. The applicable cashback amount will be paid into your Desjardins caisse account before your insurance policy expiry date. This offer may end without prior notice.

Note

Starting November 1, 2015, a new, more attractive offer to discover!

In partnership with

Ordre des agronomes du Québec

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