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With the Desjardins Select 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

To get the Select offer, you must sign up to have your pay or business's income directly deposited into your account at the Caisse where the offer is being held, if this is not already the case.

The Select offer also applies to holders of a psychotherapist's permit issued by the Ordre des psychologues du Québec who are not eligible for a professional order.

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 Odyssey** Gold cards - All-inclusive travel insurance

  • Rebate in BONUSDOLLARS® equivalent to 50% of the card's annual fee
  • Up to 1% cash back on your purchases
  • Travel Insurance
  • Coverage of up to $1,000 with Mobile Device Insurance

Several other Visa Desjardins cards are also available.

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

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

Tax damming technique - Another way to save on taxes

  • Convert your personal debt into business debt where the interest is deductible.
  • Complies with Canadian tax laws.
  • No analysis, management or revision fees.

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.

  • Duo Vision Solution: a combination of life insurance and critical illness insurance with attractive rates
  • Vision life insurance benefit: a unique product that gives you access to your money in the case of illness or loss of independence

Avantages for entrepreneur members

To get the Select offer, you must sign up to have your pay or business's income directly deposited into your account at the Caisse where the offer is being held, if this is not already the case.

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

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
Life, health and disability insurance for business people - Protect yourself

SELECT Disability Income Insurance that helps you replaces your income in the event of disability.

  • Preferred rates
  • Eligible income adjusted upward for self-employed workers

SELECT Disability Business Expense Insurance that helps you cover 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, services and advantages offered.

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

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

® 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.

  1. 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. Available in Quebec only.
  10. For financing of at least $100,000. This line of credit is guaranteed by a 1st-rank immovable hypothec .
  11. 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 Select offer, this cash back also applies to our promotional mortgage rates, provided the loan term is at least 48 months.
  12. Insurance coverage available through a financial security advisor, employee of Desjardins Financial Security, Financial Services Firm.
  13. 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.
  14. Product of Desjardins Financial Security Life Insurance Company
  15. Underwritten by Desjardins Financial Security.

In partnership with

Ordre des psychologists du Québecuébec