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Engineers and forestry engineers

Promotions

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

  • Desjardins is the largest 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 mobile device with Desjardins mobile services

To take advantage of the Exclusive offer, you must be an engineer, forestry engineer or have a bachelor's degree in engineering and be a member of the Réseau des ingénieurs du Québec.

Financial transactions

Complete transactional plan - The plan at $125 a year

To take advantage of the plan at $125 a year, you must have an eligible credit card.

Main account (for your personal needs)

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

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

Additional accounts (for you or your spouse)

  • 2 CDN dollar accounts
  • 1 US dollar account
  • Unlimited transactions using any access method (teller, cheques and automated services)

Visa Odyssey Gold® card

  • Get a card and one additional card without charge.
  • BONUSDOLLARS® Rewards Program, attractive and easy to use:
    • You can use it for the cost of a trip, accommodations or tickets regardless of the destination, time period or distance.
    • Simply pay for it with your Visa, Odyssey Gold and card then exchange your BONUSDOLLARS.
  • A full complement of travel insurance.
  • Coverage in case of loss, theft, damage or fire for the majority of goods bought with your card.

Learn more about the Visa Odyssey Gold card.

Odyssey® World Elite® MasterCard card

  • Get a card for the member and an additional card on the same account for your spouse or other family member free of charge for Desjardins members or for $40 a year for non-members.
  • BONUSDOLLARS® Rewards Program, attractive and easy to use:
    • You can use it for the cost of a trip, accommodations or tickets regardless of the destination, time period or distance.
    • Simply pay for it with your Odyssey World Elite MasterCard card and then exchange your BONUSDOLLARS.
  • A full complement of travel insurance
  • Mobile Device Insurance

Learn more about the Odyssey World Elite MasterCard card

Advantages for individual members

Your spouse can enjoy the same benefits provided he or she is a member of your caisse.

Overdraft transfer - Avoid nasty surprises

Allows you to cover your accounts from the nuisance insufficient funds can cause by associating, without charge your Visa** Desjardins card to them.

Desjardins savings products, to make your assets grow

Exclusive access to current rates for investments of $100,000 or more, as well as for investments less than $100,000. Available only on regular term savings and diversified term savings offered at the caisse.

Term savings

Diversified term savings

Disnat online brokerage – 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 first year when opening a registered account
  • Rebate of up to $135 on transfer fees for portfolios worth more than $15,000

Desjardins Securities – Invest in the stock market with our support

Diversify your portfolio while saving.

  • 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 fees on accounts from other financial institutions

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.

Desjardins financing products, partners in your projects

Desjardins Personal Loan – Make your projects a reality

To 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

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

Mortgage – Finance your real estate project

To 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 the 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, if required by the caisse

Cash damming technique   Another way to save on taxes

No fees applicable on the tax damming technique.

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

Learn more - Payroll management

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)
  • 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.

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

Life, health and disability insurance for business people - Protect yourself

SELECT Disability Income Insurance 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

Conditions apply to all products and services.

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

No other offer or promotion can be combined with this one. The Exclusive offer may be changed without notice.

* Registered trademark of Interac Inc. Used under license.

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

® Odyssey and BONUSDOLLARS are registered trademarks of the Fédération des caisses Desjardins du Québec.

® MasterCard and World Elite are registered trademarks of MasterCard International Inc.

  1. All the accounts in the transactional plan at $125 per year must be held in the same caisse.
  2. For withdrawals from non-Desjardins ATMs in the Interac* and Plus** networks, network service charges apply.
  3. Interac e-Transfer is a registered trademark of Interac Inc. Used under license.
  4. Depending on availability.
  5. 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.
  6. The available credit limit for an overdraft transfer, the card conditions as well as the applicable credit and security rules may lead to a suspension of service. Details and conditions
  7. 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).
  8. No administration fees if the Registered Retirement Savings Plan or Locked-In Retirement Account market value is more than $15,000 or if that of the Registered Retirement Income Fund or Life Income Fund is more than $25,000.
  9. Desjardins Securities is a member of the Canadian Investor Protection Fund.
  10. Applies to transfers of $50,000 and up only. The minimum balance after the transfer must be $100,000.
  11. 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.
  12. The prime rate is the annual variable interest rate that is publicly and occasionally set by Caisse centrale Desjardins (CCD), and from which it calculates the interest rate on the loans it grants in Canadian dollars in Canada. The variable credit agreement stipulates that the Personal Line of Credit will be granted at the Desjardins Personal Base Rate (DPBR – 1.5%), which is currently 4.2%. A change in the prime rate does not systematically lead to change in the DPBR.
  13. For financing of at least $100,000. This line of credit is guaranteed by a first-rank immovable hypothec.
  14. 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.
  15. 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).
  16. Product of Desjardins Financial Security Life Insurance Company.
  17. Underwritten by a subsidiary of Desjardins Group General Insurance.

Engineering students

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