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Chemists
Promotions
Professional
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.
Advantages for individual members
Your spouse can enjoy the same benefits1 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:
Associated services, to make managing your money easier
Overdraft transfer - Avoid nasty surprises
Allows you to cover your accounts from the nuisance insufficient funds can cause by associating, without charge6, your Desjardins credit card7 to them.
Credit cards, take advantage of a generous rewards program
Visa Desjardins Platinum card - The high-end card
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 on these cards:
- Elegance® Gold
- Modulo® Gold
- Odyssey® Gold
Certain Visa Desjardins cards have an annual fee.
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. Subject to available credit limit.
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.
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.
Disnat online brokerage9 - 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 10 when opening a registered account
- Rebate of up to $135 on transfer fees for portfolios worth more than $15,000
Desjardins Securities11 - 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 fees12 on competitor accounts
Chorus II Portfolios13 - 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.
RRSP Loan - For tax savings
Make the most of attractive rates for RRSP loans to borrow, contribute and save for your retirement.
9. Disnat is a division of Desjardins Securities. Desjardins Securities is a member of the Investment Industry Regulatory Organization of Canada (IIROC) and a member of the Canadian Investor Protection Fund (CIPF).
10. 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.
11. Desjardins Securities is a member of the Canadian Investor Protection Fund.
12. Applicable to transfers of $50,000 and over only. The minimum account balance after transfers must be $100,000.
13. 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.
Desjardins financing products, partners in your projects
Desjardins Personal Loan - Make your projects a reality
Finance plans requiring a loan of more than $12,500, while benefiting from an additional reduction of 1% on the effective rate.
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 Credit15: prime rate plus 0.5%
- Versatile Line of Credit16: prime rate plus 0.5%
Mortgage - Finance your real estate project
Finance your real estate projects while making the most of the exclusive advantages offered to you:
For new financing and renewals:
- Prime rate or best offer on reduced variable rate mortgages
- Reduction of up to 1.75% on the fixed-rate portion of hybrid mortgages
For new financing:
- Up to $850 rebate on notary fees in Quebec or lawyer fees in Ontario
- Up to $300 rebate on registered appraisal fees when required by the caisse
Cash damming technique - Another way to save on taxes
No fees apply to cash damming.
15. Offered in Quebec only.
16. For a minimum financing of $100,000. This line of credit is guaranteed by a first-rank immovable hypothec.
Desjardins car insurance - Personalize your car insurance
Tailored coverage at an attractive rates to protect your car in case of:
- theft
- accident
- vandalism
- civil liability
Desjardins home insurance - Personalize your home insurance
Tailored coverage at an attractive rates to protect your home in case of:
- theft
- fire
- vandalism
- civil liability
- certain water damage
Life, health and disability insurance - Highly specialized personal insurance services
Access to a network of specialized financial security advisors17 and customized business solutions, including
17. Financial security advisors are employees of Desjardins Financial Security, a financial services firm.
18. Product of Desjardins Financial Security Life Insurance Company.
19. Certain conditions apply.
Avantages for entrepreneur members
Our plans - Reduce your operating costs
Customized plans.
AccèsD Affaires - Spend, get and save!
- online cash management tool
- also available on your mobile device
- 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
Accept client payments by debit or credit card -Increase your sales
- Take advantage of an exclusive preferred rate
- Secure your transactions
- Eliminate payment delays, making it simpler to manage your business
Complete range of personalized payment solutions for accepting client payments by credit or debit card.
Business Freedom Solutions package - 3-in-1 financing package tailored to your reality
A complete financing solution that includes a line of credit, financing and a credit card.
- a line of credit for your operating expenses
- a Visa Desjardins Business card for your business expenses
- Desjardins Accord D Business financing of up to $100,000
Desjardins 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 of up to $100,000
The 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)20 - Travel insurance
Coverage for as little as $3.75 per card, per month.
Operating line of credit - Finance your daily operations
A line of credit to meet your operations needs and to take advantage of supplier discounts.
20. 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.
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
- Disnat Online Brokerage22
- $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
- Complete range of plans
- Discount of up to 30 % on management fees
22. Disnat is a division of Desjardins Securities, Desjardins Securities is a member of the Investment Industry Regulatory Organization of Canada (IIROC) and the Canadian Investor Protection Fund (CIPF).
Structured approach to support you through the process:
- Team of experts at your service, working together with your professionals
- All services under one roof
Life, health and disability insurance for business people - Protect yourself
SELECT Disability Income Insurance21 that replaces your income in the event of disability
- Preferred rates
- Eligible income adjusted upward for self-employed workers
SELECT Disability Business Expense Insurance that covers your set business costs in the event of disability
- Costs deductible from your taxable business income
Property and liability insurance - Prepare for any eventuality and have peace of mind
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
21. Product of Desjardins Financial Security Life Insurance Company.
Conditions apply to all the products and services offered.
Financing offers (Desjardins credit cards, payment methods and all other forms of financing) are subject to credit approval.
TM Elegance, Modulo, Odyssey and BONUSDOLLARS are registered trademarks of the Fédération des caisses Desjardins du Québec
* Registered trademarks of Interac Inc. Used under licence.
Note: No other offer or promotion can be combined with this one. The Distinctive offer may be changed without notice.
- Except Visa Desjardins cards.
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