Fédération des médecins résidents du Québec

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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 1,300 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

Conditions apply to all the products, services and advantages offered.

May not be combined with any other offer or promotion. This offer may change without prior notice.

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:

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

Additional accounts (for you or your spouse)

Unlimited transactions in AccèsD, with the Desjardins Access Card, by cheque, or teller services, including:

  • 2 CDN dollar accounts, including Interac e-Transfers
  • 1 US dollar account, excluding Interac e-Transfers (personalized cheques, cheque certifications, drafts and money orders, safety deposit boxes and cheque image return are not included)

Credit cards, take advantage of a generous rewards program

Odyssey® Gold Visa** 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 Odyssey Gold Visa card and then exchange your BONUSDOLLARS.
  • Coverage in case of loss, theft, damage or fire for the majority of goods bought with your card.

Learn more about the Odyssey Gold Visa card

Odyssey® World Elite® Mastercard card

  • 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.
  • Mobile Device Insurance

Learn more about the Odyssey World Elite Mastercard card

Odyssey® Visa Infinite Privilege** card

To get this card, you must add $150 to the transactional plan at $125 a year.

  • 2% of your everyday purchases on your card are credited as BONUSDOLLARS: You can exchange your BONUSDOLLARS however you want, whenever you want, no restrictions. Use them for trips, event tickets, gift rewards, financial products and services, donations, and account credits.
  • Exclusive access to the Desjardins Odyssey Lounge at Montreal-Trudeau airport.

Learn more about the Odyssey Visa Infinite Privilege card

Benefits for individual members

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 financing products, partners in your projects

Desjardins Personal Loan - Make your projects a reality

To finance plans while benefiting from an additional reduction of 1.50% 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 Desjardins Line of Credit: Up to $250,000 at prime rate prime rate
  • the Versatile Line of Credit: prime rate

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

For new financing:

$1,000 cash back when you take out a new mortgage

Guaranteed fixed-rate investments - Savings without risk

Exclusive access to current rates for investments of $100,000 or more, as well as for investments of 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.

  • Rebate of $100 on applicable commissions the first month following your account opening
  • No administration fees the first year when opening a registered account
  • A rebate of up to $135 on transfer fees for portfolios worth more than $15,000

Full service brokerage - To invest in the stock market with our support

Diversify your portfolio while saving.

  • 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 on accounts from other financial institutions

Chorus II Portfolios - Investing with distinction

Sophisticated investment solution focused on optimizing the risk-return ratio.

  • 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.

Benefits for business members

Our plans - Reduce your operating costs

Made-to-measure plans.

AccèsD Affaires

  • 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 - HR & payroll management

Processing card payments

Get advanced personalized payment solutions through our partnership with Global Payments, a leading worldwide provider of payment technology solutions.

Point-of-sale financing

  • Online applications and instantaneous response
  • Receive full payment within 48 hours

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
  • The 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

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)

Operating line of credit - Finance your day-to-day operating needs

A line of credit to meet your operating 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

Business transfer, acquisition or sale - Structured approach to support you through the process

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

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

* Registered trademark of Interac Inc. Used under license.

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

®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 at 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. See details and conditions
  7. Student STRATEGIC line of credit.
  8. The prime rate is the annual variable interest rate that is publicly and occasionally set by Fédération des caisses Desjardins du Québec, and from which it calculates the interest rate on the loans it grants in Canadian dollars in Canada.
  9. For financing of at least $100,000. This line of credit is guaranteed by a first-rank immovable hypothec.
  10. Subject to credit approval by the Fédération des caisses Desjardins du Québec. Certain conditions apply. Contact your advisor for more information. Cash back is awarded on new Desjardins mortgages of at least $100,000 for owner-occupied properties with up to 4 units and a mortgage term of at least 48 months. The cash back will be deposited in the account linked to the mortgage.
  11. 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).
  12. 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.
  13. Desjardins Securities is a member of the Canadian Investor Protection Fund.
  14. Applies to transfers of $50,000 and up only. The minimum balance after the transfer must be $100,000.
  15. 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.
  16. 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.
  17. Product of Desjardins Financial Security Life Insurance Company.
  18. Underwritten by Desjardins Financial Security.
  19. 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).