Financial products and services for youth

Financial products and services for youth

The financial needs of teenagers can change rapidly. We offer simple solutions for young people, so they can deposit their first paycheque or save for a project.

A financial institution that puts young people first

Developing and maintaining good financial habits can serve you for a lifetime. Read on for information and tips on how to manage money and become financially empowered.

Are you a parent?

As a parent, you have the privilege of helping your teenager develop their financial literacy. Start a dialogue about money early on to give them a head start in their independence.

How to talk to your teen about money

Learning to manage money

Youth everyday account

Opening an everyday account is the first step of personal finance management. It's ideal for depositing money, withdrawing cash and making transfers and bill payments.

Our everyday account for youth has unlimited transactions with zero fees for those under 18. With this account, teens can apply for a debit card and make deposits and withdrawals on AccèsD.

Learn more about youth everyday accounts.

Opening an account

Applicants must call a caisse and make an appointment to open an account.

Kids 14 and under must be accompanied by a parent or legal guardian. Teens 15 or older can open an account by themselves.

How to open your first bank account

Find a caisse


Make a budget

Making a budget is important. It provides a clear picture of money coming in and money going out. Our budget template can help with saving money for a big purchase.

See our budget worksheet (PDF, 254 KB)

My budget tool

This tool in AccèsD lets members view their transactions by category and set savings goals. Don't forget to update your budget any time your income and expenses or personal circumstances change.

Use tool This link opens AccèsD.

A savings boost

Savings goals tool

Achieving goals and dreams takes hard work and money. That's why saving is essential.

The Savings goals tool in AccèsD helps young people find the savings product they need and lets them schedule automatic transfers to reach their goals at their own pace.

Use tool This link opens AccèsD.

Youth dividends

Members ages 5 to 17 may be eligible for youth dividends to encourage them to save.

Learn more about youth dividends.

Personal finance 101

Making smart financial choices begins in adolescence. Our guide, "Make the grade for personal finances", provides a good start.

Read the guide (PDF, 7.4 MB)

Projects take planning!

First job

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

Driver's licence

Getting a driver's licence? Here's some information to keep in mind before hitting the road.


Whether you're going on a road trip or camping in the woods, we're a companion you can count on.

Kids under 18 must be covered by their parents' travel insurance.

Post-secondary studies

We can help with professional training, college and university, studying abroad, moving out or any other project. We have special offers for young people, including scholarship programs and prizes.

Learn more about our offers for post-secondary students.

Our commitment to youth

Nothing makes us prouder than seeing young people succeed. Every year, we invest millions of dollars in a variety of youth initiatives.

Besides offering scholarships, the Desjardins Foundation supports several organizations that are committed to the academic success and well-being of young people.

Preventing fraud

Young people are often targets of get-rich-quick scams. Scammers will request to use their accounts to make transactions in return for cash. By accepting, victims become accomplices to fraud and may face serious consequences. This is why keeping accounts secure is important.

Learn more about get-rich-quick scams.

Good to know

We have convenient methods to pay for purchases or receive money.

Contactless payment

Tap a debit card or mobile wallet to pay for purchases of up to $250. It's much faster and easier than inserting a debit card and entering a PIN.

Learn more about contactless payments.

Interac e-Transfer®

Members can send and receive money by text message or email. It's a cinch to pay back a friend, pitch in for a shared gift or split a restaurant bill. It's quick and easy!

Learn more about Interac e-Transfers.

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