Free if you maintain a balance of at least
Monthly transactions
12
$1,500
Monthly fee
$3.95
The Basic plan at a glance
Our low-cost Basic plan is perfect for those who make only a few transactions every month.
12 transactions per month
You can make up to 12 transactions for no additional charge, including transactions on AccèsD, with your debit card
Interac e-Transfer®
An easy, secure way to send and receive money in Canadian dollars by text message or email.
Online statements
Consult detailed transactions for all your accounts while helping reduce paper consumption.
Fee change
Starting in November 2024, we'll be making changes to both our youth offer (members ages 12 to 30) and our offer for members ages 31 and over.
Features
What's included
- 12 transactions per month
- Transactions on AccèsD
- Cheque and ATM transactions
2 - Teller transactions
- Debit card
- Online or paper account statements
4 - Access to the AccuLink® ATM network
What's not included
-
Drafts, certified cheques, discounted safety deposit box rental
5 , monthly return of online cheque images6
How to open an account online
Step 1
Choose a plan
Choose a plan that best suits your transaction habits. Gather the required information, then start the process to open your account online.
Step 2
Fill out the application online
Create your profile and have your identity verified. Choose the caisse that will be your point of service for this account, then confirm your selections. You'll be able to use your account as soon as your application is approved.
Step 3
Enjoy the advantages of your new account
Welcome to Desjardins! Download our app and log in to AccèsD to manage your account and do your transactions.
Useful information about this account
Learn more about service fees
Transactions that exceed the maximum allowed under your plan or that are not included in your plan are charged at the regular transaction rate.
Many transactions are always free
Regardless which plan you choose, you'll never pay for the following transactions:
- ATM and teller deposits
- Direct and mobile deposits
- Line of credit payments
- Automatic transfers between accounts in a single folio
On AccèsD (Internet, mobile or telephone
7
)
- Transfers and payments of bills registered in your file: $1.25
At the ATM
Desjardins ATM
- Withdrawals, transfers and payments of bills registered in your file: $1.25
Additional network access
- Interac®: $1.50
- AccuLink®: free
- PLUS*,
2 network (outside Canada):- North America: $3.00
- Elsewhere in the world: $5.00
At the counter
- Cheque cashing, withdrawals and transfers
8 : $1.25 - Bill payments
8 : $2.25
Other transactions
- Direct payments (Canada, US): $1.25
- Preauthorized withdrawals
8 : $1.25 - Automatic transfers between accounts in different folios: $1.25
- Cheques
8 : $1.25
Fees may also apply for paper statements and other services.
Accounts that cannot be opened online
We can assist you in person at a caisse or branch near you or answer your questions by phone if you're looking to open:
- An account with the offer for newcomers to Canada
- A joint account
- An account for a child between 5 and 11
If you're already a Desjardins member:
To open an additional account, go to the Accounts section on AccèsD.
Are you eligible for an offer?
Our offers
Open an everyday account
Set aside about 15 minutes to open your account with the Basic plan.
Everything you need to manage your day-to-day
Our digital services
Once you've opened your everyday account, you can do your transactions and manage your account online on AccèsD in complete security.
Our cooperative nature
Membership is more than just opening an account
Every Desjardins caisse is a financial services cooperative. As a member, you can take part in caisse decisions
Sharing is in our nature
Become a member of a financial cooperative that shares your values. The well-being of our members and communities is what drives our actions.
FAQ
Online
First, log in to AccèsD from a web browser or via the Desjardins mobile services app.
From a web browser:
- Select More options in the right-hand menu.
- Click Select a plan.
- Select Change next to the account for which you want to change plans.
- Choose the plan that's right for you and click the Select button.
- Confirm your choice by selecting Confirm.
In the mobile app:
- Under Quick access, select Accounts.
- Choose the account.
- Select Information.
- Select Plan.
- Select Change plans.
- Choose the plan that's right for you.
- Confirm your choice by selecting Confirm.
The new plan takes effect immediately.
By phone
1-800-224-7737 This link opens your phone app (1-800-CAISSES)
Choose your transaction plan based on the number of transactions you make each month and the balance you usually maintain in your everyday account.
For example, if you make few transactions with your everyday account, the Basic plan could meet your needs with its 12 transactions included. If you need more flexibility, a plan with unlimited monthly transactions such as the Unlimited or Unlimited Plus might suit you better.
Open an everyday account with the Basic plan
By phone
We're here to answer any questions you may have about opening an account.
1-800-224-7737 AccèsD Telephone. This link opens your phone app. (1-800-CAISSES)
We can call you when it's convenient.