Medical specialists
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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 694 points of service and 22 Desjardins Business centres in Quebec and Ontario
- Direct access to your finances from your mobile device with Desjardins mobile services
Comprehensive transaction 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)
- Cheque certification (unlimited)
- Drafts (unlimited)
- Basic safety deposit box
- Return of online cheque images, for members with monthly account statements only
Additional account
You can choose between one Canadian dollar account or one US dollar account.
Canadian dollar account
- Includes: unlimited transactions, whether on AccèsD (including Interac e-Transfers®), with the Desjardins debit card, by cheque, at an ATM or at a caisse or branch
- Excludes: cheque certification, drafts, safety deposit boxes and online cheque image return
US dollar account
- Includes: unlimited transactions, whether on AccèsD, with the Desjardins debit card, by cheque or at a caisse or branch
- Excludes: Interac e-Transfers®, cheque certification, drafts, safety deposit boxes and online cheque image return
Accounts for business
For businesses having no financing or having total financing less than $1,000,000:
- 1 business account with unlimited transactions (debits and credits)
- cash and items deposited
- basic AccèsD Business plan, by telephone and online
Learn more about AccèsD Affaires
For all businesses
- 3 first months at no charge for any transaction plan (excluding Business Freedom Solutions package)
Credit cards, take advantage of a generous rewards program
Cash Back World Elite Mastercard
- Cash back of up to 4% on your everyday purchases.
- Travel insurance for trips up to 3 days.
- Enhanced coverage in case of loss, theft or damage for the majority of goods bought with your card.
Odyssey® Visa* Infinite Privilege card
To get this card, you must add $150 to the transactional plan at $125 a year.
- Get up to 4% of your everyday purchases in 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.
- Comprehensive travel insurance: Enjoy worry-free travels, whenever you want, as you have some of the most comprehensive insurance on the market.
- Exclusive access to the Desjardins Odyssey Lounge at Montreal-Trudeau airport.
Lines of credit - Take advantage of a flexible financing solution
Get financing while making the most of reduced rates on:
- the Personal Line of Credit: prime rate -0.25%
- the Versatile Line of Credit: prime rate -0.25%
This offer for medical specialists includes:
- Guidance from expert advisors who specialize in healthcare
- A competitive interest rate for all financing
- Up to 100% financing for buying equipment, improving facilities or increasing traffic (certain conditions apply)
Exclusive offer for medical specialists with Global Payments
- $300 off account setup fees
- Up to $75 off when you buy 2 or more types of products
- Up to $150 off per terminal when you buy 2 or more terminals
- Free access to the Merchant Portal and to Global Payments Analytics
See the terms and conditions (PDF, 59 KB) - This link will open in a new window
Get financing up to $100,000
Finance your business expenses with the Business Freedom Solutions package and enjoy 3 financing products tailored to your needs.
Improve your employees' well-being
We have exactly what you need to take care of your employees.
The Exclusive offer is available on request and may be modified or withdrawn at any time without notice. Your new benefits will apply upon your request. Certain conditions apply.
This offer cannot be combined with any other offer or promotion.
All financing and credit card applications are subject to credit approval. Conditions apply to all products and services.
Interac® and Interac e-Transfer® are registered trademarks of Interac Corp. 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.
* Trademark of Visa International Service Association and used under licence.
®Odyssey is a registered trademark of the Fédération des caisses Desjardins du Québec.
- All the accounts in the transactional plan at $125 per year (the 4 individual accounts and the business account) must be held in the same caisse. If the business account is within a Business centre, it must be held in a folio of the same caisse as the main account.
- Additional fees of $1.50, $3.00 or $5.00 may apply to withdrawals made from non-Desjardins ATMs affiliated with the Interac and PLUS networks. Some ATM operators also charge their own fees to use their machines. They must notify you via an on-screen message before processing the transaction, so you can choose to cancel the transaction. These fees are added to the amount of the withdrawal and are paid directly to the ATM operator. For more information, see the Service fees page.
- Depending on availability.
- You have 21 days from the date the monthly statement is issued to pay the full balance on your account without interest, except on cash advances. The minimum payment is 5% of the following: your outstanding balance, interest on
purchases, monthly installments that were not paid by the due date for the previous period, regular purchases and cash advances from the current statement period, plus interest on cash advances. This amount will also include any other amounts due under
your credit card contract.
For Cash Back World Elite Mastercard (annual fee: $100) or Odyssey World Elite Mastercard (annual fee: $130) or Odyssey Gold Visa (annual fee: $110), here are some examples of applicable interest for a 30-day billing cycle: If the regular annual interest rate is 20.9% and your average daily outstanding balance is $100, you'd be charged $1.72 in interest. If it's $500, you'd be charged $8.59 in interest, and if it's $1,000 you'd be charged $17.18 in interest. If the regular annual interest rate is 21.9% and your average daily outstanding balance is $100, you'd be charged $1.80 in interest. If it's $500, you'd be charged $9.00 in interest, and if it's $1,000 you'd be charged $18.00 in interest.
For Odyssey Visa Infinite Privilege (annual fee: $295 for Desjardins members and $395 for non-members), here are some examples of applicable interest for a 30-day billing cycle: If the regular annual interest rate is 11.9% and your average daily outstanding balance is $100, you'd be charged $0.98 in interest. If it's $500, you'd be charged $4.89 in interest, and if it's $1,000 you'd be charged $9.78 in interest. Here are some examples of applicable interest for a 30-day billing cycle: If the regular annual interest rate is 12.9% and your average daily outstanding balance is $100, you'd be charged $1.06 in interest. If it's $500, you'd be charged $5.30 in interest, and if it's $1,000 you'd be charged $10.60 in interest. - 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.
- For a minimum financing of $100,000. This line of credit is first-rank immovable hypothec.