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Online services – AccèsD, AccèsD Affaires, online brokerage, full service brokerage.

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Certified human resources professionals and certified industrial relations counsellors

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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.

For your personal needs

When you take advantage of this offer, your spouse can enjoy most of the personal finance benefits that you do, provided he or she is a member of your caisse.

Accounts - Marry efficiency with savings

Plan with unlimited transactions - 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 services, 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
  • 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

Cover your eligible caisse account, with no sign up or transaction fees, if there are insufficient funds using your Desjardins credit card.

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® 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.

Guaranteed fixed-rate investments - Savings without risk

Exclusive access to current rates for investments of $50,000 or more, as well as for investments of less than $50,000. Available only on regular term savings and diversified term savings offered at the caisse.

Term savings
Diversified term savings

Desjardins online brokerage - 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 year when opening a registered account
  • Rebate of up to $135 on transfer fees for portfolios worth more than $15,000

Desjardins Securities - Invest in the stock market with our support

  • No administration fees the 1st year when opening a registered account
  • Rebate of $100 on applicable commissions the 1st month following account opening
  • Rebate of transfer fees on competitor accounts

Chorus II Portfolios - 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.

Desjardins financing products, partners in your projects

Personal Loan - Make your projects a reality

Additional 1% rate reduction.

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:

  • Desjardins Personal Line of Credit: prime rate plus 0.5%
  • Desjardins Investor STRATEGIC Line of Credit: prime rate plus 0.5%
  • Versatile Line of Credit: prime rate plus 0.5%

Mortgages - Finance your real estate project

For new mortgages and renewals

  • Prime rate or best offer on the reduced variable rate mortgages
  • Discount of up to 1.75 % on the fixed-rate portion of the hybrid mortgages

For new financing:

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

RRSP loan - For tax savings

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

Cash damming technique - Another way to save on taxes

No fees apply to cash damming.

Prepare for any eventuality and have peace of mind

Desjardins car 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
  • certain water damage

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

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

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

For your business needs

Our plans

Tailored plans.

AccèsD Affaires

  • Tool to manage cash and financial transactions online
  • Also accessible from your smartphone or tablet with Desjardins mobile services

Employer D : Online payroll

A simple and user-friendly payroll solution that includes employee files and the essential features for preparing payroll.

  • 10% discount on:
    • account opening fees
    • employee account opening fees (with year-to-date summary, no history)
    • solution implementation fees

Employer D : HR management

A modular and scalable solution that lets you centralize information in a single database.

  • 10% off:
    • fees for integration of complementary modules with existing software

PerformPlus Collective insurance plan

Choose a combination of coverage tailored to your needs.

Accept client payments by card - Increase sales by accepting payments by debit or credit card

Complete range of personalized payment solutions for accepting client payments by credit or debit card.

  • Take advantage of an exclusive preferred rate
  • Secure your transactions
  • Eliminate payment delays, making it simpler to manage your business

Bill payments on AccèsD - Collect your fees directly online

  • Billing and professional fees.
  • Payments can be made online, at the counter or at an ATM.

Desjardins Visa Business Freedom Solutions package - 3 products in 1, adapted to your needs!

A complete financing solution that includes a line of credit, financing and a credit card.

  • Attractive rates
  • A line of credit for your operating expenses and Accord D Business financing, up to $100,000 when combined
  • A Visa Desjardins Business card for your business expenses
  • Accord D Business financing up to $50,000
  • AccèsD Affaires, an online cash management and transaction service

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)
  • 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.

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
  • Desjardins Online Brokerage11
    • $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

  • Turnkey services for employers and their employees through a complete range of group plans:
    • Registered retirement savings plan (RRSP)
    • Deferred profit sharing plan (DPSP)
    • Simplified pension plan (SPP)
    • Defined contribution pension plan (DCPP)
    • Voluntary retirement savings plan (VRSP)
    • Life income fund (LIF)
    • Tax-free savings account (TFSA)
    • Locked-in retirement account (LIRA)
    • Registered retirement income fund (RRIF)
  • Discount of up to 30% on group and individual management fees for Melodia and SocieTerra portfolios

Prepare for any eventuality and have peace of mind

Property and liability insurance1720

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

Insurance for commercial vehicles

15% annual cashback on your commercial vehicle insurance1720.

* Registered trademark of Interac Inc. Used under license.

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

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

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

Conditions apply to all products, services and benefits offered.

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

May not be combined with any other offer or promotion. Content of the Distinctive Offer may change without prior notice.

  1. Except Visa Desjardins cards.
  2. Free when you maintain a minimum balance of $5,000.
  3. For withdrawals from non-Desjardins ATMs in the Interac* and Plus, network 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. Service may be suspended due to a number of factors, such as available credit limit for overdraft transfer, the card conditions, or applicable credit and security rules.
  7. 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.
  8. 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.
  9. 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.
  10. Desjardins Securities Inc. uses the trade name "Desjardins Online Brokerage" for its discount brokerage activities. Discount brokerage products and services are consolidated under the trademark "Disnat". Desjardins Securities is a member of the Investment Industry Regulatory Organization of Canada (IIROC) and the Canadian Investor Protection Fund (CIPF).
  11. 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 superior to $25,000.
  12. Desjardins Securities is a member of the Investment Industry Regulatory Organization of Canada (IIROC) and the Canadian Investor Protection Fund (CIPF).
  13. Applicable to transfers of $50,000 and over only. The minimum account balance after transfers 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.
  15. 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.
  16. Offered in Quebec only.
  17. For financing of at least $100,000. This line of credit is guaranteed by a 1st-rank immovable hypothec.
  18. The cash back will be paid out for all new Desjardins mortgages of more than $100,000 and will be deposited in the account linked to the mortgage. For eligible professionals signed up for the Distinction offer, this cash back also applies to our promotional mortgage rates, provided the loan term is at least 48 months.
  19. Offered by Desjardins General Insurance Inc., provider of automobile, property and commercial business insurance.
  20. Financial security advisors are employees of Desjardins Financial Security, a financial services firm.
  21. Product of Desjardins Financial Security Life Insurance Company.
  22. Certain conditions apply.
  23. 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.
  24. Applies to business members of a Desjardins caisse in Quebec who hold business insurance with Desjardins Insurance. The applicable cashback amount will be paid into your Desjardins caisse account before your insurance policy expiry date. This offer may end without prior notice.

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