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Desjardins ad

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 benefits 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

    Allows you to cover your accounts from the nuisance insufficient funds can cause by associating, without charge, your Desjardins credit card 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 on these cards:

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

    Please contact your caisse to benefit from your BONUSDOLLARS rebate.

    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

    Disnat 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

    Full-service brokerage - 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 account opening
    • Rebate of transfer fees on accounts from other financial institutions

    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

    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:

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

    RRSP loans - 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 applicable on the tax damming technique

    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)
    • 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.

    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 Brokerage
      • $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 Insurance 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 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

    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.
    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. 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. 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
    9. 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.
    10. Desjardins Securities is a member of the Canadian Investor Protection Fund.
    11. Applicable to transfers of $50,000 and over only. The minimum account balance after transfers must be $100,000.
    12. 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.
    13. Available in Quebec only.
    14. For financing of at least $100,000. This line of credit is guaranteed by a 1st-rank immovable hypothec .
    15. 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.
    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.
    17. Product of Desjardins Financial Security Life Insurance Company.
    18. Underwritten by Desjardins Financial Security.