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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 1,300 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.

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 ® 4 (unlimited)
  • Desjardins model personalized cheques (100 cheques a year)
  • Cheque certification (unlimited)
  • Drafts and money orders (unlimited)
  • Basic safety deposit box5
  • 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 charge6, your Desjardins credit card7 to them.

Credit cards, take advantage of a generous rewards program

Visa Desjardins Platinum card8 - The high-end card

The most complete credit card on the market that offers you an enticing rewards program:

  • 1% in BONUSDOLLARS on your purchases
  • An annual cashback of 1% on your purchases, once your purchases reach $20,0009

Visa Desjardins Gold cards - A selection of prestigious cards

Get a rebate in BONUSDOLLARS equivalent to 50% of the annual fees on these cards:

  • EleganceTM Gold
  • ModuloTM Gold
  • OdysseyTM Gold

N.B. Certain Visa Desjardins cards have an annual fee.

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 Plus8 networks, service charges apply.

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

5. Depending on availability.

6. 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.

7. Subject to available credit limit.

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

9. The 1% cashback is paid on annual purchases made on the Visa Desjardins Platinum card starting at C$20,000 up to a maximum of C$100,000 per account, for a maximum of $800 per year. The cashback is credited to the account on the anniversary date of the account opening. If the account is closed before the anniversary date of the account opening, no cashback will be paid. If the cardholder's account is 90 or more days past due and/or if the Visa Platinum card is cancelled by the FCDQ, the cardholder loses his right to the 1% annual cashback and no deposit will be made.

Desjardins financing products, partners in your projects

Desjardins Personal Loan - Make your projects a reality

Finance plans requiring a loan of more than $12,500, while benefiting from an additional reduction of 1.50% on the posted 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

10. Available in Quebec only.

11. For financing of at least $100,000. This line of credit is guaranteed by a 1st-rank immovable hypothec .

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

Protect yourself from the financial consequences of an accident, illness or death.

Avantages for entrepreneur 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)12
  • 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.

12. 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.

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 Insurance13 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 insurance14 - 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

13. Product of Desjardins Financial Security Life Insurance Company.

14. Underwritten by Desjardins Financial Security.

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.

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

* Registered trademarks of Interac Inc. Used under licence.

Note: 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

Association québecoise des pharmacines proprietaires