Distinctive offer for managers enrolled in the McGill – HEC Montréal EMBA program
Available only at Desjardins – Montréal Centre-ville
Desjardins is proud to be a partner of McGill University's Desautels Faculty of Management and of HEC Montréal to support managers enrolled in the McGill - HEC Montréal EMBA program and to offer members financial solutions tailored to each aspect of their lives.
In addition to providing you with a complete range of products and services to help you meet your financial objectives, the offer includes many savings and enhanced interest rates
Exclusive advantages
Accounts, marry efficiency with savings
Plan with unlimited transactions - The fixed monthly rate plan
Plan with unlimited transactions at $7.95 a month (savings of $14 compared with the Unlimited Plus Plan), using any access method (automated services1, cheques and teller services), including the following services:
- Personalized cheques (100 cheques a year, Desjardins model)
- Cheque certification (unlimited)
- Single-signature American Express2 traveller’s cheques (unlimited)
- Drafts and money orders (unlimited)
- Basic safety deposit box3
- Return of paper cheque images, for members with account statements only
The plan is free of charge if the required minimum monthly account balance of $5,000 is maintained.
Associated services – to make managing your money easier
Overdraft transfer - Avoid nasty surprises
Cover your eligible caisse account, at no charge4, if there are insufficient funds using your Desjardins credit card5.
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 Elite Mastercard® 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.
Desjardins savings products, to make your assets grow
Guaranteed fixed-rate investments - Savings without risk
Minimum bonus of 0.30% on effective rates.
Disnat online brokerage7 - For the autonomous investor
- Commission credit of $100 deposited into your account when it's opened
- No administration fees the first year8 when opening a registered account
- A rebate of up to $135 on transfer fees for portfolios worth more than $15,000
Desjardins Securities9 - Invest in the stock market with our support
- No administration fees the first year when opening a registered account
- Rebate of $100 on applicable commissions the first month following your account opening
- Rebate of the transfer fees 10 on accounts from other financial institutions
Desjardins financing products, partners in your projects
Student Strategic Line of Credit13
- Credit limit up to $80,000 to meet all of your financial needs (credit limit increases gradually).
- Desjardins prime rate plus 0.5%14.
- Option of capitalizing interest charges upon completion of your MBA studies.
- You can make the first principal payment 6 months after you graduate.
- Directly accessible through your Student Strategic Account.
Desjardins Personal Loan - Make your projects a reality
Additional reduction of 1% on the effective rate.
Versatile Line of Credit15
Prime rate plus 0.5% granted on Versatile Line of Credit.
Mortgage - Finance your real estate project
For new financing and renewals
- Prime rate or best offer on reduced variable rate
- Discount of up to 1.75% on fixed-rate option on 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 applicable on the tax damming technique.
* Trademark of Interac Inc. Used under licence.
® Elegance, Modulo, Odyssey and BONUSDOLLARS are registered trademarks of Fédération des caisses Desjardins du Québec.
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.
This offer is subject to change without notice and is exclusively available at Desjardins – Montréal Centre-ville, 124 Peel, Montréal, Québec H3B 5L4.
No other offer or promotion may be combined with this one. The Distinctive offer for managers enrolled in the McGill - HEC Montréal EMBA program may be changed without notice.
- For withdrawals from non-Desjardins ATMs in the Interac* and Plus** networks, service charges apply.
- Registered trademark of American Express Company.
- 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.
- Service may be suspended due to a number of factors, such as the available credit limit for overdraft transfer, the card conditions, or applicable credit and security rules. See details and conditions.
- 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 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.
- Desjardins Securities is a member of the Investment Industry Regulatory Organization of Canada (IIROC) and the Canadian Investor Protection Fund (CIPF).
- Applies to transfers of $50,000 and up only. The minimum balance after the transfer must be $100,000.
- Subject to credit approval. Life insurance mandatory.
- The prime rate is the annual variable interest rate that is publicly and occasionally set by the Fédération des caisses Desjardins du Québec, and from which it calculates the interest rate on the loans it grants in Canadian dollars in Canada.
- Minimum financing $100,000. This line of credit is guaranteed by a first rank mortgage.
- Product of Desjardins Financial Security Life Assurance Company.
- Certain conditions apply.
- Product of Desjardins General Insurance.
