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’ve decided to maintain the status of current joint cardholders. Nothing will change for current joint cardholders unless they wish to make changes.
Over the past few months, we’ve consulted with our cardholders to better understand their expectations and concerns. We’ve incorporated their feedback into our improvements 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 October 2026
To ensure that our new system runs as designed, a maintenance period will be required in October.
What to expect during the maintenance period
You can continue to use your credit card as usual for transactions and payments. Fraud detection and prevention mechanisms will remain active.
However, certain card management features may be limited or unavailable during this period, such as increasing your credit limit, changing your PIN or redeeming BONUSDOLLARS®.
We’ll make sure you get the information you need throughout the process. We’ll never contact you to ask for personal information as part of the modernization process.
To avoid hiccups, we suggest that you carry out any important card management tasks before this period, such as changing your address, increasing your credit limit or replacing your card.
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.
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.
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.
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
The modernization of our credit card management system will bring changes to how you manage 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.
Further messages will explain these changes in detail. We’ll send you more information in the following weeks.
Convert your Accord D financing into a personal loan
By converting your Accord D financing into a personal loan, you’ll benefit from a more streamlined experience when managing your account. You may also get a better rate
To be eligible for this rate on your current financing:
- Your balance must be at least $1,000
- Your remaining term must be at least 12 months
If you’re eligible, the rate will be offered to you in our mobile and online services.
You can convert your financing yourself using our mobile and online services or with the help of an advisor.
New account statement
We’re simplifying the way we display your account statement to make it easier for you to read and understand.
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 as of 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, you can read the new Credit Balance Insurance documents starting in October 2026.
Changes for business members
As of October 2026, you’ll get an upgraded experience when managing your business credit card accounts.
We’re offering you a better total 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.
Revamped display for accounts and cards
- A clear overview of the entire structure of your credit card accounts.
- Simplified access to your transactions, balance and available credit.
- Separate display from the Business Freedom Solutions line of credit.
Easy download of transactions and statements
- View statements directly in your account details.
- Download multiple statements at once.
- View and download transactions from the past 3 months.
New account statement
- Your account statement display will be simplified to make it easier for you to read and understand.
New credit card management platform
- Tool accessible on AccèsD Affaires
- New self-service options
- Grant different levels of account access to different users, for better control of your business credit cards
- Add credit cards to the account online
- Change credit limits
- Create reports
Accord D Business financing
For questions on your Accord D Business financing, contact us at 514-224-7737 Phone number of customer service for the Montreal area. This link opens your phone app. or at 1-800-224-7737 Phone number of customer service for Canada and the US. This link opens your phone app..
We’ll review your situation and guide you to a replacement solution that best meets your needs.
Call us
You can call the number on the back of your card or reach us at: