Financial products and services for teenagers

Financial products and services for teenagers

In high school, as your life changes, so do your financial needs. Whether you need an account for your salary or you've got big plans to save for, we can help. Our products, services and expert tips for 12- to 17-year-olds will make everything easier.

Financial guidance for students

What's the best way to manage your finances? How do you start saving money? We have a wealth of information and advice to share with you.

Are you a parent of a student?

As a parent, you're in the best position to help shape your kid's financial behaviour. Talking to them about finances early on prepares them for financial independence.

See our tips on talking to your teen about money

Money management: Student account and budgeting

Youth Profit Account

Opening your own account is the first step towards managing your finances. You can deposit money into your account, withdraw cash and make transfers and bill payments.

Our Youth Profit Account has unlimited transactions with zero fees until you turn 18. It comes with a debit card, and you can also sign up for AccèsD for secure and easy online banking.

Learn more about the Youth Profit Account

Opening an account

If you're under 18, you have to book an appointment at a caisse to open an account.

If you're between 12 and 14, a parent or legal guardian must accompany you. If you're 15 or older, you can open an account by yourself.

How to open your first bank account - This link will open in a new window.

Make an appointment at your local caisse

By phone

Budgeting your money

Keeping track of your budget is important. It gives you a clear picture of where your money is going and what you can afford. Use our budget template to help you save the money you need for your next big purchase.

See our budget worksheet (PDF, 254 KB) - This link will open in a new window.

Budget planner

You can use our budgeting tool, My budget, in AccèsD to keep an eye on your transactions and set savings goals, among other things. Don't forget to update your budget any time your income and expenses or personal circumstances change.

Use our budgeting tool

 (High Interest Savings Account)

Achieving your goals and dreams takes hard work and, just as importantly, money. That's why setting money aside is essential.

The High Interest  (Savings) Account has no fees and pays a high interest rate, so you earn money with every dollar you put into it.

Learn more about the High Interest Savings Account

Already a Desjardins member?

Select the non-registered account in AccèsD.

Open an account online

Grow your savings

52-week money challenge

Challenge yourself to save over $1,000 in 1 year.

Learn more about the 52-week money challenge - This link will open in a new window.

Automatic transfers

Did you know you can set up regular transfers between your accounts? It's a great way to grow your savings without even thinking about it.

Learn more about automatic transfers

Personal finance 101

Determined to make smart financial decisions, but not sure where to start? Our guide, "Make the grade for personal finances," summarizes what you need to know.

Read the guide (PDF, 6.71 MB) - This link will open in a new window.

Working towards your goals

Your first job

Joining the workforce (even part time) is a big step. We can help make sure it goes smoothly.

Buying a vehicle

You've made up your mind: You want to get your licence so you can drive wherever you want, whenever you want. Here's some important information every car owner and driver should know.


No matter where you're going or how you're getting there, we've thought of everything you need to prepare for your trip.

Post-secondary education

Are you graduating from high school soon? We're here to guide you as you plan your next move, whether it's enrolling in college, studying abroad or moving out. Our special offers for students, scholarship programs and prizes were created with you in mind.

Learn more - about our offers for post-secondary students

Supporting our youth

Nothing makes us prouder than seeing young people like you succeed. Every year, we invest millions of dollars in youth initiatives of all kinds.

Besides offering scholarships, the Desjardins Foundation supports several organizations that are committed to the academic success and well-being of young people. Our partners include Fondation Jeunes en tête, Academos and Alloprof.

Convenient payment solutions

Did you know? You can use these convenient methods to pay for your purchases or receive money.

Contactless payment

Tap your card or mobile wallet to pay for purchases of up to $250. It's much faster and easier than inserting your card and entering your PIN—and it's totally secure.

Learn more - about contactless payments

Interac e-Transfer®

Send or receive money by text message or email with just a few clicks. Pay back a friend, pitch in for a shared gift or split a restaurant bill. It's easy, fast and secure.

Learn more - about Interac e-Transfers

® The Interac logo and Interac e-Transfer are registered trademarks of Interac Inc. Used under licence.

  1. Unlimited free transactions until age 18. Free monthly plan with unlimited transactions for members age 18 to 25, subject to certain conditions.