Access to our financial services has always been the focus of our mission
Meeting the needs of our members and clients is a constant priority for Desjardins. Therefore, our main concern is to make our products and services accessible from all points of view. To do so, it is important for us to adapt to our members' and clients' evolving behaviours, their territorial distribution and their limitations, be they physical or social.
To ensure that accessibility standards are incorporated into policies and practices, Desjardins has adopted a multi-year accessibility plan that will be reviewed and updated at least every 5 years.
Desjardins is committed to treating all people in a way that allows them to maintain their dignity and independence. We believe in integration and equal opportunity. We are committed to meeting the needs of people with disabilities in a timely manner, and will do so by preventing and removing barriers to accessibility.
Sections 3, 4, 6, 7
Establishment of accessibility policies
Deadline: January 1, 2014
- Develop, implement and maintain policies governing how Desjardins Group will achieve accessibility through meeting its requirements under these standards.
- Prepare one or more written documents describing its policies.
- Make the documents publicly available and provide them in an accessible format upon request.
- We have developed an accessibility policy governing how we will achieve accessibility objectives.
- This policy is available on our website and can be provided in an accessible format upon request.
Multi-Year Accessibility Plan
Deadline: January 1, 2014
- Establish, implement, maintain and document a multi-year accessibility plan.
- Post the accessibility plan on the website.
- Provide the plan in an accessible format upon request.
- Review and update the accessibility plan at least once every 5 years.
- We are committed to examining and updating our existing accessibility plan at least once every 5 years and to maintaining it.
- The plan is available on our website and can be provided in an accessible format upon request.
Deadline: January 1, 2014
- Address accessibility issues for people with disabilities or special needs during the design, acquisition and operation phases of self-service ATMs.
- We have adapted Desjardins ATMs to meet the needs of people with disabilities or special needs (keypads, screens and adapted buttons, grab bars and shelves, voice guidance, etc.).
- Caisse employees have received awareness training to learn how to better assist people with disabilities or limitations.
Deadline: January 1, 2015
- Ensure that training is provided on the requirements of the Integrated Accessibility Standards and on the Human Rights Code as it pertains to persons with disabilities to:
- all employees and volunteers
- all persons who participate in developing Desjardins Insurance's policies
- all other persons who provide goods, services or facilities on behalf of Desjardins Group
- all new employees during onboarding
- Our employees and representatives receive training, to the extent and in the manner best suited to their roles, on the Ontario accessibility legislation and the Human Rights Code as it pertains to persons with disabilities.
- In our contractual arrangements, we ensure that service providers are trained on the Ontario accessibility legislation and the Human Rights Code as it pertains to persons with disabilities.
- We keep records of deployment activities and updates relating to such training in accordance with regulatory requirements.
Information and communications standards
Sections 11,12,13,14, 80.47, 80.48, 80.50
Deadline: January 1, 2015
- Ensure that the processes for receiving and responding to feedback are accessible to persons with disabilities.
- Provide or arrange for the provision of accessible formats and communications supports for persons with disabilities, upon request.
- Notify the public about the availability of accessible formats and communication supports.
- Promptly process all negative feedback related to how we provide our products and services.
- Our processes for receiving and responding to feedback are accessible to persons with disabilities or can be made available in an accessible format upon request.
- Feedback can be provided in person, by phone or email or through the website.
Accessible formats and communication supports
Deadline: January 1, 2016
- Provide or arrange for the provision of accessible formats and communication supports for persons with disabilities:
- in a timely manner that takes into account the person's accessibility needs due to disability
- at a cost that is no more than the regular cost charged to other persons
- Upon request and in a timely manner, we will provide information in an accessible format for persons with disabilities, when practicable, failing which communication supports will be provided.
- We take into account the accessibility needs of persons with disabilities.
- Any associated cost will not be higher than the regular cost charged to other persons.
- We have added a notice about the availability of accessible formats and communication supports to our website.
Service animals and support persons
Deadline: January 1, 2017
- Allow people with disabilities to be accompanied by their service animal or support person while accessing our services in service areas that are open to the public.
- Allow people with disabilities to be accompanied by a support person on our premises. Regarding confidential personal information, our staff reserve the right to request the consent of the person with a disability before discussing their file in the presence of the support person accompanying them. If deemed necessary, the staff member may have the support person sign a confidentiality agreement.
- We allow people with disabilities to be accompanied by their service animal or support person.
Emergency procedure, plans or public safety information
Deadline: January 1, 2012
- Prepare emergency procedures, plans or public safety information and make the information available to the public, and provide the information in an accessible format or with appropriate communication supports.
- Notify the public of any temporary disruptions to facilities or services with a notice prominently displayed at the location or on the website. Notices must provide the following information:
- reason for the disruption
- expected duration of the disruption
- alternative options, if available, until the situation returns to normal
- Upon request, we provide our clients and employees with emergency procedures, plans or public safety information in an accessible format.
- Business continuity plans are in place to notify the public of disruptions.
Accessible websites and web content
Deadline: January 1, 2021
- Make Desjardins websites and content compliant with the World Wide Web Consortium Web Content Accessibility Guidelines (WCAG) 2.0 (Level AA).
We are working to comply with the WCAG 2.0, Level AA requirements by implementing the following:
- Web accessibility audits and tests on all Website sections
- User experience testing with people who have disabilities and limitations
- Web accessibility best practices in the areas of design, development and quality assurance
Sections 22 to 32
Deadline: January 1, 2016
- Notify employees and the public about the availability of accommodation for applicants with disabilities in its recruitment processes.
- Notify job applicants, when they are individually selected to participate in an assessment or selection process, that accommodations are available upon request in relation to the materials or processes to be used.
- If a selected applicant requests an accommodation, consult with the applicant and provide or arrange for the provision of a suitable accommodation in a manner that takes into account the applicant's accessibility needs due to disability.
- Notify the successful applicant of Desjardins Insurance's policies for accommodating employees with disabilities.
- Inform employees of its policies used to support its employees with disabilities, including, but not limited to, policies on the provision of job accommodations that take into account an employee's accessibility needs due to disability.
- Where an employee with a disability so requests it, consult with the employee to provide or arrange for the provision of accessible formats and communication supports for information that is needed in order to perform the employee's job and information that is generally available to employees in the workplace.
- Provide individualized workplace emergency response information to employees who have a disability. If an employee who receives individualized workplace emergency response information requires assistance and with the employee's consent, the employer shall provide the workplace emergency response information to the person designated by the employer to provide assistance to the employee.
- Develop and have in place a written process for the development of documented individual accommodation plans for employees with disabilities.
- Develop and have in place a return to work process for its employees who have been absent from work due to a disability and require disability-related accommodations in order to return to work.
- Take into account the accessibility needs of employees with disabilities, as well as individual accommodation plans, when using a performance management process in respect of employees with disabilities.
- Take into account the accessibility needs of employees with disabilities as well as any individual accommodation plans, when providing career development and advancement to employees with disabilities.
- Take into account the accessibility needs of employees with disabilities, as well as individual accommodation plans, when redeploying employees with disabilities.
- Guidelines on accessibility for people with disabilities were created and are available on the employee portal.
- The recruitment process was revised and measures were put in place to take the needs of people with disabilities into account. For example, talent acquisition teams have access to tools to help them identify the accessibility needs of candidates with limitations.
- Clear procedures are in place for taking everyone's needs into account during hiring and onboarding.
- The return to work processes are well documented and a team of HR experts is available to support managers if their employees have specific needs. Managers also have access to support tools (e.g.: return to work plan template).
- Accommodation plan templates are available.
- Concrete measures are taken and managers are provided with support to help employees stay at work. The benefits and working conditions offered to employees also support the goal of job retention.
- If required, tailored solutions for access to information and communication methods are implemented.
- Most workplaces are accessible, but if accommodations are required to meet an employee's accessibility needs, they are made. Workstation accommodations are made if necessary.
- We developed tools for objectively evaluating employee performance. Equity is one of the guiding principles of the performance evaluation process.
- All our working conditions and skills development programs take the needs of employees with disabilities into account.
Website and mobile accessibility
Desjardins is committed to ensuring that its website is accessible to the visually disabled, the aging population, people with physical, cognitive or functional limitations, and people with special requirements.
Our ongoing efforts aim to improve the site so that we can provide Desjardins clients with a fully accessible website.
Audits and user tests were done with people with disabilities as well as physical and functional limitations to pinpoint the more pressing areas requiring improved accessibility.
We also ran functional tests using the following screen reader software:
- Job Access with Speech (JAWS) - Current and last 2 versions (e.g., 16, 17, 18)
- Non Visual Desktop Access (NVDA) - Latest version
- VoiceOver with Apple iOS 10.2. - Latest version
Markup language is based on W3C programming standards.
Several Web Content Accessibility Guidelines (WCAG) 2.0 were applied when the Desjardins web and mobile sites were developed:
- Navigation and presentation must be clear.
- Links must lead directly to content.
- Headings (titles, H1, H2, etc.) must be used to organize a page.
- Language must be clear and simple.
- Text equivalents and complementary text must provide context.
- Page titles must describe page content.
- Colours must contrast well for better readability.
- Users must be able to stop and pause videos.
- No automatic redirect or refresh of content upon focus or data entry.
- Multiple access points to content (breadcrumb trail, search engine, floating toolbars, site map at bottom of page).
Learn more about Web Content Accessibility Guidelines External link..
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Desjardins Insurance accessibility
Accessibility for people with disabilities: a priority!
Desjardins Insurance is committed to providing a barrier-free environment where everyone can access our products and services. We are continually working to adapt to the needs of all our clients, whether their limitations are physical or social.
As a member of Desjardins Group, we are committed to following Desjardins Group's multi-year accessibility plan, which ensures accessibility standards are incorporated into policies and practices. This plan is reviewed and updated at least every 5 years.
Our accessibility goals and initiatives
Our customer service is there for you
At Desjardins Insurance, we strive to ensure that clients with disabilities can access the products and services they need in an independent and dignified way. To that end, we have taken certain initiatives. Training is provided to employees on accessible customer service and how to interact with people with different disabilities.
When people with disabilities use our services, they are welcome to bring their service animal or to be accompanied by a support person. We will notify users if there is a problem with the systems or installations that people with disabilities rely on.
Accessible formats and communication support
Desjardins Insurance is committed to making sure all our communications are accessible to everyone and to considering the accessibility needs of people with disabilities.
If you have a disability, please ask us for any additional information or communication support you need.
Accessible websites and web content
At Desjardins Insurance, we strive to make it easier for people with disabilities (such as vision, hearing or cognition) to use our internet and mobile solutions. To reduce navigation barriers, we have implemented an ongoing web accessibility improvement program. The program includes a process to improve and upgrade our websites.
This program will allow us to gradually integrate rules under the Web Content Accessibility Guidelines (WCAG) 2.0 External link. (level AA) by 2021, in compliance with the Web Accessibility Initiative (WAI) External link., developed by the World Wide Web Consortium (W3C). External link.
Desjardins Insurance strives to offer equal opportunities to everyone interested in working for us. We ensure that our employment practices are equitable and accessible, allowing us to attract and retain people with disabilities. We apply these employment standards in the hiring process and throughout the employee's career and development.
Equal access employment program
We have developed an equal access employment program designed to promote the fair representation of minorities and people with disabilities.
Building and workstation accessibility
Our premises are designed to ensure employees with disabilities have easy access to work sites. Plus, workstations can be adapted on request to meet the individual needs of a person with a disability.
Feedback and additional information
You can play an important role in helping us improve the accessibility of our products and services. Your comments and questions will help us establish new policies, practices and services to meet your needs and serve you better
Please contact the Client Complaint Management Centre if you have any questions, requests or comments about accessibility.
Accessibility of facilities
A democratic organization responsive to its members' needs, Desjardins's focus has always been to make its facilities accessible. We've undertaken several initiatives to reduce the obstacles that might prevent our members with disabilities from benefiting from our services.
Here are a few elements that illustrate Desjardins's ongoing commitment to accessibility.
Accessibility of buildings
Every new Desjardins construction or major renovation project includes features to provide access to people with mobility impairments according to established standards, including parking spaces.
Accessibility of ATMs
The Desjardins network's ATMs are accessible to those with reduced immobility, smaller stature or visual impairments.
Accessible ATMs can be identified by their lower components (keyboard, screen, buttons), a grab bar and shelves that are practical for people with reduced mobility or people of smaller stature, thus enabling them to safely make transactions.
All Desjardins ATMs offer voice-guided systems to help the visually impaired, the functionally illiterate and elderly people take full advantage of ATMs. By inserting earphones into a jack on the ATM, these members can obtain private voice instructions explaining how to use the ATM and guiding them every step of the way through their transactions. This application was developed in collaboration with associations for persons with disabilities.
Refer to the ATM voice assistance user manual
Accessibility made possible by other payment methods
Many of our online services and solutions allow people with reduced mobility to regain autonomy without compromising security. Here are a few examples:
- Invoice payments online or by phone
- Making payments by credit card without having to step out of the house
- Direct payments and withdrawals
- Remote cheque deposits
- Interac e-Transfers®
Your comments on accessibility
You play an important role in making our products and services more accessible.
For information or to share your thoughts on accessibility at Desjardins, please contact your caisse or Desjardins Business centre.
Objective of voice assistance
ATM voice assistance is a solution that allows people who are blind, visually impaired or illiterate make their transactions.
Voice assistance functions are being gradually rolled out as ATMs are updated. Withdrawals and no-envelope deposits were the first to be implemented. Eventually, you will be able to make all transactions with voice assistance.
How it works
Transactions using voice assistance are optimized to be made from the keypad. Simultaneous keypad and touchscreen use is not recommended.
Activating voice assistance
- Plug headphones into the ATM.
- Listen to the instructions on how the keypad is laid out.
- Insert the ATM card.
Note: If you plug the headphones into the ATM after inserting the card, voice assistance will not be activated. The transaction in progress will have to be cancelled.
- To get the instructions, put the headphones on first, then insert the ATM card.
Voice assistance language
- When the ATM card is inserted, instructions will be bilingual.
- The rest of the transactions will be done in the language of the card.
How to get voice assistance you can understand
- Allow a half-second delay between each key pressed on the keypad.
- This time limit is very important when entering amounts. While waiting for the half second, you must hear the key clearly pressed and enter the correct amount.
How to activate a hidden screen
- The option to hide a screen is a security feature for people who are completely blind.
- Put the headphones on, press 7 to hide the screen, then insert your ATM card.
Items rejected when making a deposit
To retrieve items rejected by the ATM, hover your hand several seconds over the deposit slot.
Note: There is no sound to guide you if the ATM rejects your items when making a deposit.
How to avoid a rejected cheque
- Write the amount in numbers: separate the dollars from the cents with a period. Enter the pennies even if they total 0.
- Write out the amount using block letters.
- Enter this information in the spaces provided.
Time limit for retrieving the ATM card
When you've completed your transactions, you'll have 35 seconds to take your card back, otherwise the ATM will keep it.
Appendix: voice assistance text instructions
[Welcome message in French.]
Welcome to Desjardins.
[Instructions in French.]
The keypad is configured like a phone keypad. There are 12 keys. The 5 key has a raised dot in the centre.
The star is to the left of the 0 and the number sign is to its right. Adjust the volume by pressing the star. Adjust the speed by pressing the number sign.
Voice assistance allows you to make transactions without displaying them on-screen.
Would you like to deactivate the display function?
If yes, press 7.
If no, press 8.
[Instructions in French.]
Insert your card into the reader located below and to the right of the keypad.
There are 4 keys to the right of the keypad, the first 3 have raised symbols.
They are, from top to bottom:
- Cancel which has a raised X.
- Correction, which has a raised arrow.
- OK, which has a raised circle.
- The fourth key can be pressed at any time to hear your options again.
Enter your personal ID number or PIN.