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Unlimited plan

Get as many transactions as you need at a favourable rate and make day-to-day financial management a breeze.

Monthly transactions

Unlimited transactions

Free if you maintain a balance of at least

"Free if you maintain a balance of at least" means you don't pay a monthly fee for your plan if you maintain at least the minimum balance for that account for the entire month. "Free if you maintain a balance of at least" means you don't pay a monthly fee for your plan if you maintain at least the minimum balance for that account for the entire month.


Monthly fee

$15.95 1

The Unlimited plan at a glance

Need more flexibility? With our Unlimited plan, there's no limit to the number of transactions you can make each month.

Unlimited transactions

You can make as many transactions as you need, including transactions on AccèsD, with your debit card 2 , at the ATM or at the teller counter.

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.

Member dividends

Your account is eligible for member dividends 3 , if your caisse distributes them.

Features of the Unlimited plan

What's included

  • Unlimited monthly transactions
  • 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 images 6

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:

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 9  are designed to simplify matters for certain members. They can help you save on service charges or transaction plans, in addition to offering several other advantages.


Enjoy unlimited transactions free of charge and a number of other services and advantages. 10

Newcomers to Canada

Open an everyday account and get the Unlimited plan and legal assistance for free for the first 2 years. 11

Open an everyday account

Set aside about 15 minutes to open your account with the Unlimited 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 12 , qualify for a dividend 12 and help give back to the community.

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.


How do I change my Desjardins transaction plan?


First, log in to AccèsD from a web browser or via the Desjardins mobile services app.

From a web browser:

  1. Select More options in the right-hand menu.
  2. Click Select a plan.
  3. Select Change next to the account for which you want to change plans.
  4. Choose the plan that's right for you and click the Select button.
  5. Confirm your choice by selecting Confirm.

In the mobile app:

  1. Under Quick access, select Accounts.
  2. Choose the account.
  3. Select Information.
  4. Select Plan.
  5. Select Change plans.
  6. Choose the plan that's right for you.
  7. 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)

How do I choose the best transaction plan?

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 Unlimited plan


It takes about 15 minutes to open an account.

Already a member? Log in to AccèsD.

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.

Interac ® and Interac e-Transfer ® are registered trademarks of Interac Corp. Used under licence. AccuLink ® is a registered trademark owned by the Canadian Credit Union Association (CCUA), used under licence. * PLUS is a trademark of Visa International Service Association and used under licence. Some offers provide a discounted or waived fee on this plan under certain conditions. Additional fees of $1.50, $3.00 or $5.00 may apply to withdrawals made from non-Desjardins ATMs affiliated with the  Interac and PLUS networks. Some ATM operators also charge their own fees to use their machines. They must notify you via an on-screen message before processing the transaction, so you can choose to cancel the transaction. These fees are added to the amount of the withdrawal and are paid directly to the ATM operator. For more information, see the  Service fees guide. The payment of a member dividend is subject to certain conditions, such as the caisse's financial capacity and the vote by members on the distribution of surplus earnings. If you have a transaction plan with us, the $1 monthly fee for paper statements will be waived. Annual $15 discount (including taxes). Since June 12, 2022, return of paper cheque images is no longer available for members who didn't already have this service. Interace-Transfers and Desjardins money transfers aren't available via the AccèsD Telephone service.  Transaction fees also apply to the USD Build-Up Savings Account. Offers are available upon request, except the Merit Service for members 60 and over ($4 monthly discount), which is applied automatically. Offers are subject to change without notice at any time. Some conditions apply. The offer for students is subject to certain eligibility criteria. The welcome offer for newcomers to Canada is subject to certain eligibility criteria, limitations and exclusions. Opening an account allows you to become a member and to vote under certain conditions. The payment of a member dividend is subject to certain conditions, such as the caisse's financial capacity and the vote by members on the distribution of surplus earnings.