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Fédération des médecins résidents du Québec


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 1,300 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

Financial transactions

Accounts, marry efficiency with savings

Complete transactional plan1: $125 per year

Main account (for your personal needs)

The unlimited transactions plan is applicable to all transactions using any access method – teller, automated services2, cheques. It includes:

  • Interac e-Transfers ® 3 (unlimited)
  • Desjardins model personalized cheques (100 cheques a year)
  • Cheque certification
  • Drafts and money orders
  • Basic safety deposit box4
  • Return of paper cheque images, for members with monthly account statements only

Additional accounts (for you or your spouse)

  • 2 Canadian dollar accounts
  • 1 U.S. dollar account
  • Unlimited transactions, using any access method (automated services, cheques and teller services)

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 sign-up or transaction charged5 your Desjardins credit card6.

Credit cards, take advantage of a generous rewards program

Visa Odyssey Gold® or Visa Desjardins Platinum cards - A selection of prestigious cards

Get your choice of 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 either your Visa Gold, Odyssey® or Platinum Desjardins card and 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 Visa Odyssey Gold cards.

Learn more about Visa Platinun cards.

1. All the accounts in the transactional plan at $125 per year (the 4 individual accounts and the business account) must be held at the same caisse. If the business account is within a BFC, it must be held in a folio of the same caisse as the main account.

2. For withdrawals from non-Desjardins ATMs in the Interac* and Plus [Visa Int./Fédération des caisses Desjardins du Québec, authorized user.] networks, 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 VisaISA 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

Benefits for individual members

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 Credit7: Up to $250,000 at prime rate prime rate8
  • the Versatile Line of Credit9: 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
  • 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

7. Student STRATEGIC line of credit.

8. The prime rate is the annual variable interest rate that is publicly and occasionally set by Caisse centrale Desjardins, 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.

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 effective rates.

Disnat online brokerage10 - 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 year11 when opening a registered account
  • A rebate of up to $135 on transfer fees for portfolios worth more than $15,000

Full service brokerage12 - 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 fees13 on accounts from other financial institutions

Chorus II Portfolios14 - 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.

10. 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).

11. 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.

12. Desjardins Securities is a member of the Canadian Investor Protection Fund.

13. Applies to transfers of $50,000 and up only. The minimum balance after the transfer must be $100,000.

14. 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.

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 - Payroll management

Processing card payments - Increase sales by accepting payments by debit or credit card

  • 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.

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)16
  • Travel insurance
    Coverage for as little as $3.75 per card, per month.

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.

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.

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 Brokerage19
    • $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

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).

Life, health and disability insurance for business people - Protect yourself
  • SELECT Disability Income Insurance17 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
Business property and liability insurance18 - 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

17. Product of Desjardins Financial Security Life Insurance Company.

18. Underwritten by Desjardins Financial Security.

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

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

Conditions apply to all products, services and benefits offered.

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

In partnership with

Fédération des médecins 
résidents du Québec