Modernizing our credit card management system

We're modernizing our credit card management system to better meet your needs. Here's an overview of the changes you can expect and next steps.

Why we’re modernizing our credit card management system

Simplify your experience

Our new system will provide a better experience while rolling out several do-it-yourself features over the next few years. These include being able to dispute a transaction by using our mobile and online services or adding a card to your digital wallet in case of loss or theft, without having to wait for your physical card to arrive.

It’ll also be easier to fill out certain forms as information will be pre-entered. You’ll also be able to save your request and complete it later.

Meet your needs

After listening to your feedback, we’re maintaining the status of current joint cardholders. Nothing will change for current joint cardholders unless they wish to make adjustments.

Over the past few months, we’ve consulted our cardholders to better understand their expectations and concerns. We’ve based our improvements on their feedback, and we’re supporting them as needed–before, during and after the modernization of our system.

Improve performance

We’re modernizing our system so we can upgrade our solutions, remain relevant and ensure long-term performance.

Maintenance period in mid-October 2026

To ensure that our new system runs as designed, a maintenance period is scheduled for mid-October.

Maintenance dates

Maintenance will take place from October 12 to October 20, 2026.

What you can expect during the maintenance period

You can continue to use your credit card to make purchases and payments throughout the maintenance period. Fraud detection and prevention mechanisms will remain active. However, certain credit card features will be unavailable during this period.

Available features

Making in-store or online purchases
Making payments
Viewing account information
Locking lost or stolen cards (by phone)
Replacing lost or stolen cards (by phone)

Unavailable features

Increasing your credit limit or allocating your limit (for businesses)
Updating contact information
Changing your PIN
Setting your PIN for a first-time login
Changing and modifying BONUSDOLLARS cash back
Replacing a damaged card

How do I prepare for the maintenance period?

To avoid hiccups, we suggest that you carry out any important card management tasks before this period.

Add your credit card to your phone wallet so you can make contactless payments.
Whenever possible, make your payments online or use contactless payment if your card is damaged or you’re waiting for a new physical card. However, for security purposes, these options may not be available if you declare your card lost or stolen.
If you plan to make a large purchase soon, consider increasing your credit limit before this period.
If you’re moving during the maintenance period, change your address beforehand.

We’ll make sure you get the information you need to understand the upcoming changes. We’ll never contact you to ask for personal information as part of this modernization process.

If you need help, contact us at 514-878-2973 Phone number of customer service for the credit card management modernization system for the Montreal area. This link opens your phone app. or at 1-855-878-2973 Phone number of customer service for the credit card management modernization system for Canada and the US. This link opens your phone app..

We're here to support you during the process.

Improvements for individuals

Throughout October 2026, certain improvements will be made to Accord D financing and other features and products related to credit cards for individuals. Learn about these changes so you can continue to manage your account without disruption.

Joint cardholder option remains, plus other cardholder options

To continue to meet your needs, we’ve ensured that joint cardholders can keep their joint accounts.

We’re also offering other credit card account options, with different roles for each cardholder.

Options for credit card accounts

As we modernize our credit card system, compare the different ways you can have a credit card account and their associated roles and actions.

Compare roles

Roles

Primary cardholder
Joint cardholder
Authorized user

To simplify matters, we use the term cardholder to designate both primary and joint cardholders. All cardholders on a credit card account are responsible for the entire debt and management of the account.

Questions about joint credit card accounts?

See our FAQ on joint accounts for more information.

Improved experience when redeeming BONUSDOLLARS

Your BONUSDOLLARS balance will be updated in real time when you redeem online. You can see your updated balance immediately after you redeem.
You can apply your BONUSDOLLARS to several purchases in one transaction.
Note that due to the system change, the BONUSDOLLARS information you see on your next statement may not be entirely up to date, though your rewards balance will remain accurate.

Simplified experience when applying for a credit card

A new way to start or easily continue your credit card application online or on the phone with an advisor.
Quick response on your eligibility and credit limit amount, except in cases where further analysis is needed.
Self-service dashboard so you can see the status of your request and track it in real time.
Notifications throughout the process to inform you of the necessary steps to take.
Instant notifications in the event of credit bureau freezes (if you’ve turned on this feature).
Ability to see reasons for refusal online if applicable, to help you understand our decision.

Accord D financing

Modernizing our credit card management system will bring changes to your Accord D financing experience, including how information is displayed and how you manage and repay your financing.

Where to find your Accord D financing

After the modernization process, your Accord D financing will appear in the Cards, loans and credit section in your Account Summary (in the Desjardins mobile services app) or on the AccèsD home page.

Converting your Accord D financing into a personal loan

If you’re eligible, you may be able to get a better rate1 when you convert your Accord D financing into a personal loan. You could also pay less interest and reduce the total cost of your financing.

To be eligible for this rate on your current financing:2

Your balance must be at least $100.
Your remaining term must be at least 2 months.

You must also be a Desjardins member.

The rate will automatically be offered to you in our mobile and online services if you meet all the requirements.

You can convert your financing yourself using our mobile and online services or with the help of an advisor.

See how to convert your Accord D financing

Viewing your Accord D monthly installment

Your Accord D monthly installment will no longer appear in your credit card balance. To see what you need to pay, check your statement. You’ll find your payment amounts included under Amount due this month and Minimum payment due. The minimum payment due that appears in our mobile and online services also includes your Accord D monthly installment.

Accord D monthly installment payments and prepayments

Payment of your Accord D monthly installments and any prepayments will go through your credit card account instead of directly toward your Accord D financing plan.
When you pay your monthly installment or make a prepayment toward your Accord D financing, the amount is temporarily credited to your card, then transferred to your financing plan within 24 to 72 hours.
When you make a prepayment, the way your payment is allocated depends on your total credit card balance and the order in which payments are applied. If you want to customize how your payment is allocated, contact us.
Since Accord D financing payments now go through your credit card, your pre-scheduled payments may not work anymore. If this happens, we’ll let you know and you can contact us to discuss your options.

Learn more about payments and prepayments

New account statement

Your account statement has been redesigned to make your financial information easier to read and understand. Certain words have also changed. Your statement still has the information you need about any Accord D financing or installment plans you may have. The first statement you receive after the upgrades will look a bit different from the ones that follow.

A cleaner look

Easily spot your amount due and minimum payment due.
Find important information all in the same place.
View your statement in a simpler layout.

More details, better monitoring

See total charges per card and all account transactions in 2 new summaries.
See all account transactions in one place.
See transaction details for each card.

Statement specifics you should know

Rewards program balance

The first account statement issued after October 19 will only include the balance of your rewards program (labelled Total on your statement). The following statements will include all the rewards program information you’re used to seeing.

Amount due

The amount due is the amount you need to pay before the due date to avoid credit charges. It’s equivalent to the New regular balance on the old statement. It includes all transactions from the statement period, as well as any Accord D financing or installment payments.

Financing plans

If you have an Accord D financing or installment payment plan, you can still see them on your statement as part of your account overview. Your monthly installment amounts are included in the Minimum payment due and the Amount due.

Learn more about the new statement

Changes to Credit Balance Insurance

If you have Credit Balance Insurance, here are some changes we’re making to your agreement:

The benefit payable will be calculated based on the account balance the day before the eligible event instead of on the latest statement balance.
In the case of a covered event, transactions starting the day of the event and authorized unposted transactions from the day before aren’t covered.
Outstanding amounts and interest are now included in the benefit payable.

To learn more, read the new Credit Balance Insurance documents, available in October 2026.

Improvements for businesses

As of October 2026, you’ll get an upgraded experience when managing your business credit card accounts.

We’re offering you a fuller view of your accounts, new self-service options and improved tools for your daily management tasks.

Over the next few months, certain business features and products will continue to evolve. We’ll be with you every step of the way, providing useful information on this page so you can prepare.

Improvements to AccèsD Affaires in our mobile and online services

Our upcoming changes to our mobile and online services will make it easier for you to manage your credit card accounts.

Description

Transcript

New AccèsD Affaires experience

2 min 44 s

AccèsD Affaires is evolving to better reflect how your accounts and cards are structured, making it easier to access the key information you need to manage them.

New AccèsD Affaires experience

2 min 44 s

Note: The information in brackets describes the audio and visual content of the video that is not dialogue or narration.

[Background music]

[The Desjardins Business logo appears, followed by the title New AccèsD Affaires Experience, alongside a laptop and a phone.]

Narrator: As part of the modernization of Desjardins’s credit card management system, AccèsD Affaires is evolving to better reflect how your accounts and cards are structured, making it easier to access the key information you need to manage them. Let’s take a look at what’s changing.

[The AccèsD Affaires home page appears. The “Business credit card accounts” section lists accounts and their linked cards.]

Narrator: Right from the home page, your credit card accounts are displayed more clearly, giving you a view that reflects how they’re actually organized. Cards are grouped under their main account, while the Business Freedom Solutions line of credit appears as a separate product. This makes it easier to find your different products and quickly access the information you need.

[In the accounts and cards list, outlines appear around the main account, the linked cards and their available credit.]

Narrator: The information displayed for your accounts has also been redesigned to give you a clearer picture of your credit information. Your main account balance now includes the balances of all linked cards, so you get a complete picture of your account in one place.

Narrator: Your available credit always reflects the amount you can actually use for new purchases, so you always have a clear view of where you stand.

[The Visa Business Account details page appears, showing the “Transactions,” “Statements” and “Information” tabs. The balance, available credit, due date and statement information are highlighted.]

Narrator: Credit card account details now follow the same layout as your other AccèsD Affaires accounts. Whether you’re viewing a chequing account or a credit account, you’ll recognize the same familiar navigation and visual cues. Your balance, available credit, account information, and latest statement due date are all easy to find.

[The “Account options” menu opens, showing “Manage account” and “Add nickname.”]

Narrator: Good news! You can now personalize your account descriptions to make your accounts easier to identify.

[The “Transactions” tab displays transactions grouped by month.]

Narrator: Reviewing transactions is now simpler and more flexible. All your account transactions are together in one place.

[Screens for viewing transactions by account or card, applying filters and downloading transactions appear in sequence. The “Filter your transactions” screen has options to filter transactions by type and date. The “Download transaction history” screen has options to download transactions as CSV files for Excel or Google Sheets, or as OFX files for importing into software such as Quicken.]

Narrator: View every transaction or focus on a single card. Filter by date or transaction type. Then download up to three months of transaction history directly from your account details. Everything is organized to help you find the information you need faster.

[The “Statements” tab shows the latest account statement details. The “Credit card account statements” page then displays options for selecting and downloading statements.]

Narrator: Statements are now available right from your account details. You’ll find your balance due, the details of your latest statement, and all your online statements. You can also view or download them individually or in batches. You can also enroll in online statements directly from the same screen.

[The statements page includes “Accounts,” “Cards” and “Lines of credit” tabs. The “Lines of credit” tab is displayed. On-screen text reads: “Business Freedom Solutions: two products, two statements.”]

Narrator: If you have a Business Freedom Solutions package, you’ll now receive two separate statements, one for your card account and one for your line of credit, each with its own account number. This reflects the way your products are now organized and makes each one easier to manage.

[The Desjardins Business logo appears with “desjardins.com/modernization,” “FAQ” and “Additional resources.” The message “Designed to evolve with your business” appears below.]

Narrator: Looking for more information? Visit the Modernizing Our Credit Card Management System page for answers to frequently asked questions and additional resources to help you every step of the way.

Account and card overview

Get a clear overview of the entire structure of your credit card accounts.
Get quick access to your transactions, account balance and available credit.
View your Business Freedom Solutions line of credit as a separate product.

Transaction activity

See transactions from all your credit accounts in one place.
View transactions for a specific card.
Filter transactions by date and type.
Download transactions directly from your account details.

Access transactions and statements

Get statements directly from your account details.
Download statements individually or in bulk.
View and download transactions from the past 3 months.
View statements online.
Open data files in Excel or Google Sheets and import them into applications like Quicken.

Account management

See how much credit is actually available for purchases.
View your payment due date.
Quickly access card management options and key account information.

Payment and limit management

We’re changing how payments and credit limits work, giving you a reimagined way to manage your credit card accounts.

Description

Transcript

Centralized payments, limit management and account structure

3 min 06 s

As part of our modernization efforts, we’ve reimagined the way you manage your business credit cards. Our new account structure brings all your business’s cards together under a single primary account.

Centralized payments, limit management and account structure

3 min 06 s

Note: The information in brackets describes the audio and visual content of the video that is not dialogue or narration.

[Background music]

[The Desjardins Business logo appears, followed by the title “Centralized Payments, Limit Management and Account Structure,” alongside a laptop and a phone.]

Narrator: Desjardins is modernizing its credit card management system. At the heart of this change is a new account structure that reimagines the way you manage your business credit cards. Your company’s cards are grouped under a single primary credit card account. Here’s what that means for your business.

[On screen, the primary account is also called the “master account.” An animation shows three cards with balances of 1,000, 2,000 and 3,000 Canadian dollars, then groups them under a balance of 6,000 Canadian dollars.]

Narrator: You’ll still pay using the “Transfer Between Accounts” and “Bill Payment” feature. The difference? One payment made to your primary account now covers all the cards linked to it. That means fewer payments to make and simpler day-to-day account management.

[A diagram links the primary account to three credit cards.]

Narrator: Credit limits are managed a little differently under this new account structure. The good news is that your existing card credit limits stay the same when you migrate. Your business has one overall credit limit linked to the primary account, while each card keeps its own credit limit, which now serves as its spending limit.

[The diagram shows the difference between the overall credit limit and individual card spending limits. Beside an image of a card payment, check marks appear on a card and at the primary account level.]

Narrator: Each transaction will be authorized up to the cardholder’s spending limit, provided that sufficient credit is available on the primary account. This gives you better control over spending, both for individual cards and across your business.

Narrator: Keep in mind that card spending limits are updated with each billing cycle. They can also be adjusted as your business needs change without applying for additional credit. However, it’s important to ensure that your primary account’s overall credit limit continues to meet your business’s needs.

[The “Information” tab of the “Visa Business Freedom Solutions Account” appears on a tablet. The “Available credit” and “Authorized credit limit” rows are outlined.]

Narrator: From now on, all payments are applied to your primary account, where your outstanding balance is managed.

[An animation represents a payment to the primary account, followed by a payment on one of its linked cards. On-screen text: Card payment: transfers can take up to 48 hours.]

Narrator: If you make a payment directly to your primary account, it will be reflected as soon as it’s received. If you make a payment on an individual card instead, it’s automatically transferred to your primary account. That transfer can take up to 48 hours to appear.

Narrator: Similarly, if you previously had pre-authorized payments set up on individual cards, they’ll now be processed through your primary account. As a result, only one payment will be withdrawn. No action is required on your part.

[On-screen text: Continue reconciling your accounts as usual.]

[A new section begins with the heading “Business Freedom Solutions clients”]

Narrator: Finally, if your business has a Business Freedom Solutions package, there are a few additional changes to be aware of.

[In the AccèD Affaires accounts list, the primary account number is outlined, followed by the card and line of credit numbers.]

Narrator: You’ll receive a new primary credit card account number, and all of your existing cards will be linked to it. Your card numbers and line of credit number remain the same. Your existing pre-authorized transactions will continue without any action required on your part. There’s no need to notify your suppliers.

[The primary account and the line of credit are outlined separately in the list.]

Narrator: Going forward, you’ll make two separate payments: one for your primary credit card account and one for your Business Freedom Solutions line of credit.

Narrator: If you’re currently enrolled in pre-authorized payments for both your line of credit and your credit cards, those payments will automatically be updated to reflect this new account structure. Two separate pre-authorized payments will now be processed: one for your primary credit card account and one for your line of credit. No action is required on your part. Full details are available on your statements.

[The Desjardins Business logo appears with “desjardins.com/modernization,” “FAQ” and “Additional resources.” The message “Designed to evolve with your business” appears below.]

A single payment for all your cards

You no longer have to make a separate payment for each card. A single payment to the main account now covers all cards linked to it.

How payments are changing

Account	Payments before October 19, 2026	Payments as of October 19, 2026
Main account	3 payments (1 for each card)	1 seul paiement de 6 000 $
Card A	$1,000	No payment
Card B	$2,000	No payment
Card C	$3,000	No payment

A shared credit limit for your cards

All cards linked to the same account share an overall credit limit.
Each card also has its own limit to help you control spending.
You can adjust each card’s limit based on your needs.
Each transaction is authorized only if it’s within both the card limit and the available credit on the main account.

New account statement

We’re redesigning your account statement to make your financial information easier to read and understand. The first statement you receive after the upgrades will look a bit different from the ones that follow.

A cleaner look

Easily spot your amount due and minimum payment due.
Find important information all in the same place.
View your statement in a simpler layout.

More details, better monitoring

See total charges per card and all account transactions in 2 new summaries.
See all account transactions in one place.
See transaction details for each card.

First statement after the system upgrade

Rewards program

The first account statement issued after October 19 will only include the balance of your rewards program (labelled Total on your statement). The following statements will include all the rewards program information you’re used to seeing.

Balance transfer

If you use decentralized payments, a Balance transfer transaction will appear on your first statement. This transaction shows the balances carried over to your account. It includes the total balance of your credit cards and your Accord D Business financing, if applicable.

This Balance transfer transaction serves as the link between old statement balance and your new statement balance. It won’t appear on your following statements. Instead, you’ll see Previous Balance. Your products’ payment terms and the conditions remain the same.

In the past, there were certain situations where you a lower interest rate might apply if your last statement’s balance wasn’t fully paid off. After our upgrades, the interest is calculated as set out in your contract, as of the date of the transaction.

Learn more about your new account statement

New platform for managing business credit cards

Get more control over your business credit cards with our new service on AccèsD Affaires.

Description

Transcript

Business Credit Card Management: Understanding the platform

3 min 46 s

Accessible directly through AccèsD Affaires, Business Credit Card Management gives you everything you need to manage your business credit cards in one convenient location, including card management, user management, transactions, credit limits, reporting and governance tools.

Business Credit Card Management: Understanding the platform

3 min 46 s

Note: The information in brackets describes the audio and visual content of the video that is not dialogue or narration.

[Background music]

[The Desjardins Business logo appears, followed by the title “Business Credit Card Management: Understanding the Platform.” A laptop and a phone are also shown.]

Narrator: Desjardins is modernizing its credit card management system to give you a simpler, more powerful platform that’s built to grow with your business.

Narrator: Accessible directly through AccèsD Affaires, Business Credit Card Management gives you everything you need to manage your business credit cards in one convenient location, including card management, user management, transactions, credit limits, reporting, and governance tools.

[The platform’s dashboard displays an account overview, a spending graph and alerts.]

Narrator: One platform to simplify card management, give you more independence, and help you stay in control of your spending. Here’s what you can do with it.

Narrator: With business credit card management and its new self-serve features, you can now manage your credit cards even more effectively, on your own, and whenever it works best for you.

[Platform screens illustrate card and user management functions.]

Narrator: Add or replace a card, temporarily suspend or reactivate it, adjust credit limits, and manage user access all from within the platform. You’ll save time, reduce delays, and enjoy greater day-to-day autonomy.

Narrator: Staying in control of business spending is easier with the platform’s built-in controls. Set customized credit limits. Apply merchant category restrictions and control when cards can be used by day and time.

[A platform settings panel is shown, followed by examples of Desjardins credit cards.]

Narrator: These controls are applied in real time, giving you the flexibility to decide where, when, and how each card can be used based on your business needs. That means every card can be configured to match the way your business operates.

[The text “Posted and authorized transactions” appears beside a platform table. The “Manage Receipt” and “Split Transaction” windows are then shown.]

Narrator: Find all your transactions in one place, whether they’ve already been posted or are still pending. Add receipts, document your expenses with comments, and split purchases across your different cards, all directly within the platform. You’ll always have a clear, complete, and up-to-date view of your business spending, making reconciliation and expense tracking easier.

[The “Online Reports” page displays a report table.]

Narrator: Built-in reports make your business data easier to understand and put to use. Quickly review spending by employee, merchant, or category, identify inactive cards, monitor past-due accounts, or get an overall view of your spending. This makes it easier to spot key trends and make more informed decisions.

[The platform’s audit log appears as a table.]

Narrator: For complete traceability, every important action is automatically recorded in an audit log. Each user only has access to the cards and information they need. If your company has multiple teams, services, or regions, the hierarchy option can help you manage each user’s access and responsibilities.

[An organizational chart illustrates three levels of roles. “Primary Administrator,” “Manager,” and “Delegate” are highlighted in turn.]

Narrator: Assign each user the role that’s right for them. The primary administrator has a complete view of the platform. Managers oversee only the cards and users within their area of responsibility. Delegates have their own workspace where they can review transactions, attach receipts, or request a replacement card. The result is a governance model that’s flexible, secure, and designed to fit the way your business operates.

Narrator: You’ll receive support even before you first log in to the platform. Once the platform becomes available to your company, the primary AccèD Affaires administrator will be the first to gain access so they can configure roles and access for other users.

Narrator: Looking for more information? Visit the Business Credit Card Management page where you’ll find answers to frequently asked questions and additional resources to support you.

[The Desjardins Business logo appears with the address “desjardins.com/business-card-management,” the items “FAQ” and “Additional resources,” and the message “Designed to evolve with your business.”]

More self-service options

Add credit cards to the account.
Replace, lock and unlock cards.
Change certain credit limits.

Access control and expense tracking

Grant different levels of account access.
Manage users more easily.
Create reports.

Visa* Business Freedom Solutions package

We’re making it easier to view and manage your Business Freedom Solutions products.

Layout

To give you a better view of your products, your cards are now grouped under their main account, and your Business Freedom Solutions line of credit appears as a separate product.

Payments

Your main credit card account and your line of credit are now separate products.

You need to make 2 separate payments: one to your main card account and one to your line of credit.

The details appear on your statements.

Statements

You receive 2 separate statements: one to your main credit card account and one for your line of credit.

Each product has its own account number.

Accord D Business financing

Modernizing our credit card management system will bring changes to your Accord D Business financing experience, including how information is displayed and how you manage and repay your financing.

Description

Transcript

Accord D Business financing

3 min 48 s

The modernization of our credit card management system also affects your Accord D Business financing. Learn where to find your plans, how to make payments and what's changing on your statement.

Accord D Business financing

3 min 48 s

Note: The information in brackets describes the audio and visual content of the video that is not dialogue or narration.

[Background music]

[The title “Accord D Business financing” appears beside a laptop and a phone displaying the Desjardins Business logo.]

Narrator: Desjardins is modernizing its credit card management system. As part of these changes, your existing Accord D Business financing plans are now grouped under your primary credit card account, also known as your master account. Your existing plans remain active and keep the same repayment terms.

[Previews of the financing plan list and an account statement appear.]

Narrator: Let’s look at what this means for you, where to find your plans, how to make payments, and what’s changing on your statement.

Narrator: To help you find your Accord D Business financing plans, the layout has been reorganized to reflect the fact that they’re now grouped under your primary credit card account. You can now access your financing plans in two different ways from the credit card accounts section on the summary page.

The “Accord D plans” link is highlighted in the credit card accounts section, followed by the badge beneath the primary account.]

Narrator: Select “Accord D plans” for direct access to your active financing plans, or look for the Accord D plan badge on your primary credit card account. It indicates which account your plans are linked to and which account you’ll use to make payments.

[The financing plan list appears, followed by the primary account page, where “Current balance” is highlighted.]

Narrator: These changes to your Accord D Business financing plans also affect how the amounts due are displayed. The balance shown for your primary credit card account in AccèsD Affaires does not include your Accord D Business financing installments. To see the total amount you need to pay, refer to your online statement. Your financing installments are included in both the amount due and the minimum payment.

[On an account statement, “Amount Due” and “Minimum Payment Due” are highlighted. The “Make a transaction” menu then appears, with the bill payment and transfer between accounts options highlighted.]

Narrator: To make payments on your Accord D Business financing plans, you can continue to use the transfer between accounts and bill payment features. What’s changing is that payments for your Accord D Business financing will now be made through your primary credit card account.

Narrator: If the balance on your primary credit card account is zero, any additional payments are automatically applied to your Accord D Business financing plans. Payments are allocated to the plans in order of highest to lowest interest rate and are processed within 24 to 48 hours.

[A phone symbol and the number “1-888-233-2473” appear.]

Narrator: If a balance remains on your primary account and you would prefer to apply a payment directly to an Accord D Business financing plan, please contact an advisor at 1-888-233-2473. We will process the transaction with you and ensure that the payment is applied to the correct financing plan.

[A person uses a laptop. Confirmation, clock, and warning symbols accompany the explanations.]

Narrator: After making a payment or an additional principal payment, your primary credit card account balance may temporarily appear as a negative amount. This is normal. Your balance will be updated within the next 24 hours. Until then, don’t treat the balance as available credit for new purchases.

[A statement page displays the sections “Accord D Financing Transaction Details” and “Accord D Financing Transaction Summary.”]

Narrator: To give you a clearer view of your Accord D Business financing plans, your statement now includes a dedicated page for your Accord D Business financing plans. You’ll find the details of your transactions, including payments, finance charges and monthly installments, along with a summary of each financing plan.

[The account summary and boxes showing the minimum payment and credit charge calculations are displayed.]

Narrator: Your account summary now displays a total balance that combines the balance of your primary credit card account and your financing plans. New sections also explain how your minimum payment and finance charges are calculated. Keep in mind that any unpaid monthly installments will be carried over to the following month’s amount due and minimum payment.

[The Desjardins Business logo appears with the address “desjardins.com/modernization,” the items “FAQ” and “Additional resources,” and the message “Designed to evolve with your business.”]

Where to find your Accord D Business financing

After the modernization process, your Accord D Business financing will appear in the Business credit card accounts section on the AccèsD Affaires home page and in the Credit accounts and cards section in the Desjardins mobile services app.

Viewing your Accord D Business monthly installment

Your Accord D Business monthly installment will no longer appear in your credit card balance. To see what you need to pay, check your statement. You’ll find your payment amounts included under Amount due this month and Minimum payment due. The minimum payment due that appears in our mobile and online services also includes your Accord D Business monthly installment.

Accord D Business monthly payments and prepayments

Payment of your Accord D Business monthly installments and any prepayments will go through your credit card account instead of directly toward your Accord D Business financing plan.
When you pay your monthly installment or any prepayments toward your Accord D Business financing, the amount is temporarily credited to your card, then transferred to your financing plan within 24 to 72 hours.
When you make a prepayment, the way your payment is allocated depends on your total credit card balance and the order in which payments are applied. If you want to customize how your payment is allocated, contact us.
Since Accord D Business financing payments now go through your credit card, your pre-scheduled payments may not work anymore. If this happens, we’ll let you know and you can contact us to discuss your options.

Changes to Credit Balance Insurance for businesses

If you have Credit Balance Insurance, we’re making the following changes to your agreement:

To calculate the benefit payable, we’re now using the account balance from the day before the death instead of the latest statement balance.
In the case of a covered event, transactions made as of the day of the event and authorized unposted transactions from the day before are not covered.
Outstanding amounts and interest are now included in the benefit payable.

To learn more, read the new Credit Balance Insurance documents available in October 2026.

Useful information

See our support guide for businesses (PDF, 792 KB)

Call us

You can call the number on the back of your card or reach us at:

Montreal area:
514-878-2973 Phone number of customer service for the credit card management modernization system for the Montreal area. This link opens your phone app.

Elsewhere in Canada and the US:
1-855-878-2973 Phone number of customer service for the credit card management modernization system for Canada and the US. This link opens your phone app.

^* Trademark of Visa International Service Association and used under licence.

This offer may change or be revoked at any time, without notice. Certains conditions apply.

Some conditions apply.