Select offer

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Select offer

Select offer Image

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.

Conditions apply to all the products, services and advantages offered.

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

To take advantage of the offer, you must be one of the following professionals:

  • Acupuncturists
  • Bailiffs
  • Certified translators, certified terminologists and certified interpreters
  • Criminologists
  • Dental hygienists
  • Dental technicians
  • Dietitians
  • Emergency medical technicians (EMTs)
  • Guidance counsellors
  • Hearing-aid acousticians
  • Licensed practical nurses
  • Medical technologists
  • Medical imaging technologists, radiation oncology technologists and medical electrophysiology technologists
  • Midwives
  • Nurses
  • Occupational therapists
  • Opticians
  • Physical rehabilitation therapists
  • Physiotherapists
  • Psychoeducators
  • Psychologists
  • Registered respiratory therapists
  • Sexologists
  • Speech therapists and audiologists
  • Social workers and marital and family therapists

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 available, if this is not already the case.

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 $9.95 per month on the Unlimited Plus plan and save $12 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)
  • Cheque certification (unlimited)
  • Drafts (unlimited)
  • Basic safety deposit box
  • Return of online 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.

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 Elite Mastercard® 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

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:

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.

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 available, 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 - HR & payroll management

Processing card payments

Get advanced personalized payment solutions through our partnership with Global Payments, a leading worldwide provider of payment technology solutions.

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 insurance for business owners – Essential coverage to protect the financial security of your business

  • Minimize the financial impact of your death on your business and your family
  • Benefit from guaranteed insurability, which means you can increase your coverage based on the market value of your ownership interest

Health and disability insurance for business owners – Tax-efficient coverage options

  • Get joint coverage for you and your business in case of accident or illness
  • Make sure your business can continue to meet its financial obligations

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

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

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

® Elegance, Modulo, Odyssey and BONUSDOLLARS are registered trademarks of the Fédération des caisses Desjardins du Québec. World Elite and World are registered trademarks of Mastercard International Inc.

* Registered trademark of Interac Inc. Used under license.

  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. Depending on availability.
  5. 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.
  6. Subject to available credit limit.
  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. Available in Quebec only.
  11. For financing of at least $100,000. This line of credit is guaranteed by a 1st-rank immovable hypothec.
  12. Subject to credit approval by Desjardins. Certain conditions apply. Contact your advisor for more information. Cash back is awarded on new Desjardins mortgages of at least $100,000 for owner-occupied properties with up to 4 units and a mortgage term of at least 48 months. The cash back will be deposited in the account linked to the mortgage.
  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.