We feel strongly about providing you with financial services tailored to your needs at a fair price. Here's a breakdown of our fees for transactions and services.
When do you pay per-transaction fees?
With our transaction plans you get a specific number of transactions at a set price.
Our per-transaction fees apply when:
- Your account doesn't have a transaction plan
- You've exceeded the number of transactions included in your plan
- You use services that aren't included in your plan
Fees for regular transactions
Deposits and line of credit payments are free when you have an account with us. Account balance information, online account statements and transaction summaries are also always available at no charge.
|Transaction||Everyday Transaction Account or Regular Savings Account
||À la Carte Account|
|AccèsD – Transfer or payment of a bill registered in your file
|Direct payment with Desjardins Access Card or mobile payment (Canada, United States)||$1.25||$1.50|
|Direct deposit or automatic transfer between accounts in the same folio||Free||Free|
|Automatic transfer between accounts in different folios||$1.25||$1.50|
|Teller transaction||Everyday Transaction Account or Regular Savings Account
||À la Carte Account|
|Cheque cashing, withdrawal or transfer||$1.25
Good to know
In Quebec, you don't pay a fee to cash cheques or other orders to pay issued by the federal or provincial government or by a Quebec municipality.
Take advantage of our extensive network of ATMs in Quebec to make deposits and update your passbook free of charge. Line of credit payments, account balance information and transaction summaries are also free.
What's more, you get free access to a network of approximately 2,000 AccuLink® ATMs across Canada.
Note that additional fees may apply when you use non-Desjardins ATMs.
|ATM transaction||Everyday Transaction Account or Regular Savings Account
||À la Carte Account|
|Withdrawal, payment of a bill registered in your file or transfer||$1.25||$1.50|
|Additional network access fees in Canada||Everyday Transaction Account or Regular Savings Account
||À la Carte Account|
|Additional fees to access the PLUS*,
||Everyday Transaction Account or Regular Savings Account
||À la Carte Account|
|Elsewhere in the world||$5.00||$5.00|
There are 3 types of ATM fees: user fees, network access fees and convenience fees (surcharges). Here's some useful information to help you better understand your transaction record or account statement when you complete a transaction at an ATM.
If you don't have a transaction plan or if you exceed the number of transactions included in your plan, you pay fees for:
- Bill payments
Network access and convenience fees are added if you withdraw money from an ATM that isn't part of our network or the network of one of our partners (AccuLink, Desjardins Bank or Crédit Mutuel).
Network access fees
These fees are added when you use an Interac network ATM in Canada or PLUS network ATM internationally.
They are shown separately from the user fee on another line in your transaction records and monthly account statements.
Convenience fees (surcharges)
Other financial institutions and non-bank ATM operators may charge a convenience fee when you use their ATM.
These fees are then added to the amount of the withdrawal and paid directly to the ATM operator.
Account maintenance fees
This fee covers your account statement and passbook, if you have one. It may apply to certain accounts if the balances of all everyday accounts and regular savings accounts
|Monthly online statement||All account types||Free|
|Monthly paper statement||Everyday accounts without a transaction plan, including linked regular savings accounts
||$1.00 per month|
|Passbook||Everyday accounts or regular savings accounts
||$2.50 per month|
As of September 19, 2021, you can no longer request a passbook when opening a new account or switch to a passbook from a paper or online statement.
Fees for additional services
|Desjardins Access Card||Cost|
|Additional Access Card||$5.00|
|Order of personalized cheques
|Cashing traveller's cheques||Free|
|Cheque certified at signatory's request||$15.00|
|Cheque certified at payee's request||$20.00|
|Cheque or other document search at member's request||Free|
|Cheque or other document search requested by a third party||$5.00 per document|
|Monthly account statements (online or paper) with online cheque images||$2.00|
|Monthly account statements (online or paper) with paper cheque images||$3.50|
Since June 12, 2022, return of paper cheque images is no longer available for members who didn't already have this service.
|Draft or money order (all currencies)||Cost|
|Issue of a draft||$7.50|
|Reimbursement and photocopy of a draft or money order||Between $10.00 and $50.00|
|Cancelling a bill payment||$5.00|
|With complete information (date, amount and name of payee) – online||$12.00|
|With complete information (date, amount and name of payee) – at the teller counter||$13.00|
|With partial information||$20.00|
|For a series of cheques or pre-authorized payments||$20.00|
|Closing an account||Cost|
|Upon request from another institution||$20.00|
|Less than 90 days after opening||$20.00|
|In Quebec – after 1 year||$15.00|
|In Quebec – after 2 years||$30.00|
|In Quebec – after 3 years||$50.00|
|In Ontario – after 2 years||$15.00|
|In Ontario – after 5 years||$30.00|
|In Ontario – after 9 years||$50.00|
|Cheque or pre-authorized payment without funds ("Returned cheque charges")||$45.00|
|Other administrative services||Cost|
|Written confirmation or information on balances, fees, interest, transactions or other operations||$35.00 per hour|
|Any other administrative task requested by a member or a third party||$35.00 per hour (min. $17.50)|
|Safety deposit box||Cost|
|Safety deposit box rental||From $40.00
|Total or partial withdrawal (RRSP, LIRA, FHSA)||Free|
|Preauthorized transfer (RRIF, LIF)||Free|
|Transfer to a financial institution other than Desjardins (TFSA, RRSP, FHSA, RRIF, LIRA, LIF)||$100.00
Fees for international and foreign currency transactions
Various charges apply for transactions involving currencies other than Canadian dollars.
For foreign ATM fees, see the Additional fees to access the PLUS network internationally table.
|Purchase and sale of foreign currencies||Cost|
|Other foreign currency||$3.50|
|Cashing or deposit of cheques, drafts or money orders in a Canadian dollar account||Cost|
|US currency||$2.50 per deposit or cashing|
|Other foreign currency||$12.00 per deposit or cashing
|Sending a funds transfer||Cost|
|Within Canada||Between $2.00 and $15.00|
|To Desjardins Bank||Between $0.00 and $7.50|
|Outside Canada||Between $4.00 and $15.00|
|Receiving a funds transfer||Cost|
|Less than $50.00
|More than $50.00
|Issuance of a US dollar cheque on a Canadian dollar account||$17.00|
6 ways to pay less in service fees
- Choose a transaction plan that suits your needs and stay within the transaction limit and minimum monthly balance.
- Avoid fees from other financial institutions by using our ATMs
- Make it easier to track your finances by signing up for Desjardins notifications and email alerts on AccèsD.
- Pay off your credit card in one monthly payment instead of several, each of which counts as a separate transaction.
- Save on cheques by sending funds by Interac e-Transfer and Desjardins money transfer on AccèsD.
- Change from paper to online statement and reduce both paper consumption and service fees.
No, not all transactions carry a fee. The following transactions and services are always free, even if you don't have a transaction plan:
- Deposits (including direct and mobile deposits)
- Account balance information
- Online account statements
- Recorded statements of recent transactions by AccèsD Telephone
- Transaction summaries at Desjardins ATMs and on AccèsD
- Line of credit payments
- Automatic transfers between accounts in a single folio
As long as you keep to the number and type of transactions included in your plan, you won't have any other fees to pay for your regular transactions.
Transactions that exceed the maximum allowed under your plan or that are not included in your plan are charged at the per-transaction rate. The same goes for additional services and foreign currency fees, among others.
Remember that additional fees apply to withdrawals made at non-Desjardins ATMs.
Service fees are charged at different times depending on their type.
- Plan fee and excess transaction fees: end of month
- Account maintenance fees: beginning of month
- Other fees: at the time of the transaction
AccuLink is an ATM network owned by the Canadian Credit Union Association, of which we are a part. It has approximately 2,000 ATMs across Canada.
As a member, you can use your Desjardins Access Card to make free withdrawals at AccuLink ATMs.