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Members of the Young Bar of Montreal

Promotions

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

  • Desjardins is the leading 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 smartphone and tablet with Desjardins mobile services.

Advantages for individual members

Your spouse can enjoy the same benefits1 provided he or she is a member of your caisse.

Accounts – Marry efficiency with savings

Plan with unlimited transactions2 - The fixed monthly rate plan

Take advantage of a preferential rate of $7.95 per month on the Premium Plus plan and save $14 on standard plan fees.

The unlimited transactions plan is applicable to all transactions using any access method - teller, automated services3, cheques. It includes:

  • Interac e-Transfers® (unlimited)
  • Desjardins model personalized cheques (100 cheques a year)
  • Cheque certification (unlimited)
  • Drafts and money orders (unlimited)
  • Basic safety deposit box 4
  • Return of paper cheque images (offer valid only with monthly account statements only)

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 fees5, your Desjardins credit card6 to them.

Credit cards, take advantage of a generous rewards program

Visa Desjardins Gold cards - A selection of prestigious cards

Get a rebate in BONUSDOLLARS® equivalent to 50% of the annual fee and coverage of up to $1,000 with Mobile Device Insurance 8 on these cards:

  • Elegance® Gold
  • Modulo® Gold
  • Odyssey® Gold

Please contact your caisse to benefit from your BONUSDOLLARS rebate.

2. Free if you maintain a $5,000 minimum monthly balance in your account.

3. For withdrawals from non-Desjardins ATMs in the Interac* and Plus** networks, service charges apply.

4. Depending on availability.

5. No subscription, monthly or transaction fees. The charges that apply are the credit charges linked to cash advances. These are calculated at the Visa Desjardins rate at the time the advance is given.

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 at desjardins.com/overdraft.

7. Visa/Fédération des caisses Desjardins du Québec, authorized user.

8. In the event your cellphone, smartphone or tablet is lost, stolen, accidentally damaged or experiences mechanical failure. Insurance coverage is underwritten by American Bankers Insurance Company of Florida (ABIC). ABIC, its subsidiaries, and affiliates carry on business in Canada under the name of Assurant Solutions®. ®Assurant Solutions is a registered trademark of Assurant Inc. Details of your insurance coverage, including definitions, benefits, limitations, and exclusions, are in the Certificate of Insurance provided with your card. The Certificate of Insurance is also available at Desjardins.com/cards

® Interac e-Transfer is a registered trademark of Interac Inc. Used under license.

Desjardins savings products, to make your assets grow

Guaranteed fixed-rate investments - Savings without risk

To make the most of the flexibility of guaranteed investments and benefit from a minimum bonus of 0.30% on effective rates.

Disnat online brokerage9 - 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 1st year10 when opening a registered account
  • A rebate of up to $135 on transfer fees for portfolios worth more than $15,000

Desjardins Securities11 - To 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 your account opening
  • Rebate of the transfer fees12 on accounts from other financial institutions

Chorus II Portfolios13 - 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.

RRSP loan - For tax savings

Make the most of attractive rates for RRSP loans to borrow, contribute and save for your retirement.

9. 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).

10. No annual administration fees if the market value of the registered retirement savings plan or the locked-in retirement account is superior to $15,000 or if the value of the Registered Retirement Income Fund or Life Income Fund is greater than $25,000.

11. Desjardins Securities is a member of the Investment Industry Regulatory Organization of Canada (IIROC) and the Canadian Investor Protection Fund (CIPF).

12. Applies to transfers of $50,000 and over only and provided the account balance after the transfer is at least $100,000.

13. 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.

Desjardins financing products, partners in your projects

Desjardins Personal Loan - Make your plans 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

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

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

Cash damming technique - Another way to save on taxes

No fees applicable on the tax damming technique.

16. The prime rate is the annual variable interest rate that is publicly and occasionnally set by the Caisse centrale Desjardins, and from which it calculates the interest rate on the loans it grants in Canadian dollars in Canada.

17. Offered in Quebec only

18. For a minimum financing of $100,000. This line of credit is guaranteed by a first-rank immovable hypothec.

Desjardins auto insurance - Personalize your car insurance

Tailored coverage at an attractive rates to protect your car in case of:

  • theft
  • accident
  • vandalism
  • civil liability

Desjardins home insurance - Personalize your home insurance

Tailored coverage at an attractive rates to protect your home in case of:

  • theft
  • fire
  • vandalism
  • civil liability
  • some water damage

Life, health and disability insurance - Highly specialized personal insurance services

Access to a network of specialized financial security advisors19 and customized business solutions, including

  • Select Disability Income Insurance20 that replaces your income in the event of disability offered at a preferred rate based on the area of activity
  • The Prestige Service21, which gives your file high priority.

19. Financial security advisors are employees of Desjardins Financial Security, a financial services firm.

20. Product of Desjardins Financial Security Life Insurance Company.

21. Certain conditions apply.

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)20
  • 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.

20. 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 Brokerage22
    • $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

22. 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).

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 Insurance21 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

21. Product of Desjardins Financial Security Life Insurance Company.

Conditions apply to all the products and services offered.

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

® Elegance, Modulo, Odyssey and BONUSDOLLARS are registered trademarks of Fédération des caisses Desjardins du Québec

* Registered trademarks of Interac Inc. Used under licence.

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

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

  1. Except Visa Desjardins cards.

In partnership with

Young Bar Association of Montreal

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