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Chemists
Desjardins ad
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.
Conditions apply to all the products, services and advantages offered.
May not be combined with any other offer or promotion. Content of the Distinctive Offer may change without prior notice.
Advantages for individual members
Your spouse can enjoy the same benefits provided he or she is a member of your caisse.
Accounts, marry efficiency with savings
Plan with unlimited transactions - 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 services, cheques. It includes:
- Interac e-Transfers® (unlimited)
- Desjardins model personalized cheques (100 cheques a year)
- Cheque certification (unlimited)
- Drafts and money orders (unlimited)
- Basic safety deposit box
- 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
Allows you to cover your accounts from the nuisance insufficient funds can cause by associating, without charge, your Desjardins credit card to them.
Our credit cards - Enjoy a generous rewards program plus an enrolment bonus
Get an enrolment bonus when you sign up for one of the following credit cards:
- Elegance Gold® Visa - 30 BONUSDOLLARS®
- Modulo® Visa - 50 BONUSDOLLARS
- Cash Back World® Mastercard - $50 in cash back rewards
- Odyssey Gold® Visa - 110 BONUSDOLLARS
- Odyssey® World Elite® Mastercard - 130 BONUSDOLLARS
Sign up at a caisse to get this offer.
Guaranteed fixed-rate investments - Savings without risk
Exclusive access to current rates for investments of $50,000 or more, as well as for investments of less than $50,000. Available only on regular term savings and diversified term savings offered at the caisse.
Disnat online brokerage - For the autonomous investor
Carry out your online transactions and make the most of our exclusive offer.
Desjardins Securities - Invest in the stock market with our support
Chorus II Portfolios - 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.
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 Credit: prime rate plus 0.5%
- Versatile Line of Credit: 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:
Cash damming technique - Another way to save on taxes
No fees apply to cash damming.
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!
Operating line of credit - Finance your daily operations
A line of credit to meet your operations needs and to take advantage of supplier discounts.
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 Brokerage
- $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
Structured approach to support you through the process:
- Team of experts at your service, working together with your professionals
- All services under one roof
* Registered trademarks of Interac Inc. Used under license.
** Trademark of Visa International Service Association and used under license.
® Interac e-Transfer is a registered trademark of Interac Inc. Used under license.
® Elegance, Modulo, Odyssey and BONUSDOLLARS are registered trademarks of Fédération des caisses Desjardins du Québec. World Elite and World are registered trademarks of Mastercard International Inc.
Financing offers (Desjardins credit cards, payment methods and all other forms of financing) are subject to credit approval.
- Except Visa Desjardins cards.
- Free if you maintain a $5,000 minimum monthly balance in your account.
- For withdrawals from non-Desjardins ATMs in the Interac* and Plus networks, service charges apply.
- Depending on availability.
- No sign up fees, monthly fees or transaction fees. The applicable fee is the credit charge for cash advance, calculated at the interest rate of the Visa Desjardins card as of the time the cash advance is granted.
- Subject to available credit limit.
- The enrolment bonus will be paid out according to the program associated with the selected card. For example, if the selected card is associated with the BONUSDOLLARS program, the bonus will be paid in BONUSDOLLARS. Use of the bonus is subject to the rules of the applicable program. See the Rewards program section for each card.
- Current Desjardins credit cardholders signed up for the offer for professionals must upgrade to an eligible higher tier card to qualify for the enrolment bonus. A higher tier credit card typically has higher annual fees. However, the Cash Back World Mastercard is considered an upgrade from the Modulo Visa, and the Odyssey World Elite Mastercard is considered an upgrade from the Platinum or Platinum Prestige cards. The bonus cannot be applied to fees on additional cards.
- Eligibility criteria for the Cash Back World Mastercard card: gross annual income of at least $60,000 for the primary cardholder or household income of $100,000. Eligibility criteria for the Odyssey World Elite Mastercard card: gross annual income of $80,000 for the primary cardholder or household income of $150,000.
- 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).
- 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.
- Desjardins Securities is a member of the Canadian Investor Protection Fund.
- Applicable to transfers of $50,000 and over only. The minimum account balance after transfers must be $100,000.
- 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.
- Offered in Quebec only.
- For a minimum financing of $100,000. This line of credit is guaranteed by a first-rank immovable hypothec.
- The cash back will be paid out for all new Desjardins mortgages of more than $100,000 and will be deposited in the account linked to the mortgage.
- 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.
- Product of Desjardins Financial Security Life Insurance Company.
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