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Everyday account teen offer

Our account with a free monthly plan1 gives teens 12 to 17 a chance to build financial independence.

At 14, teens can open their own account online.

If your teen is 12 or 13 years old, you’ll need to come with them to a caisse or branch with the required documents. If you’re already a member, book an appointment using our mobile and online services, or make an appointment by phone if you're not a member.

Reasons to open an account as a teen

Receiving an allowance or a first paycheque is a great way for teens to learn how to manage their money. With an everyday account and relevant financial advice, it's easier to become more independent and make informed choices.

Open an account for your 12- or 13-year-old

If you’re a member, you can book an appointment to open an account for your teen using our mobile and online services. A parent or legal guardian must go with them to the appointment.

If you’re not a member, contact any caisse or branch to book an appointment. 

At the appointment, you’ll need to show a piece of ID for both you and your teen, such as a passport, health insurance card or birth certificate.

Everyday account with a free monthly plan

Our everyday account with the free Unlimited plan1 is great for making deposits, payments, withdrawals and transfers.

Features of our teen offer

Our offer includes the free Unlimited plan and several other perks for ages 12 and over. 2

  • Unlimited regular transactions on AccèsD, with the debit card (upon request), at an ATM3 and at the teller
  • Free Interac e-Transfers®
  • Access to the AccuLink® ATM network
  • Free account statements

Fees may apply on other services.

Good to know

Until age 24, you can automatically get the free Unlimited plan with free monthly statements. Once you’re 18, you have access to the youth offer, which includes other financial products and services.

Debit card

Teens can request a debit card when they open an everyday account. They can use it for their daily transactions, including:

  • Contactless payments
  • Mobile payments by adding their debit card to their digital wallet
  • ATM withdrawals and deposits 

Online and mobile services

AccèsD is a quick and easy way for teens to manage their account and their finances on the go.

Discover our online services

Download the Desjardins mobile services app

Digital security matters

Learn how to develop good habits to detect and prevent digital scams.

Read our articles on digital security

Helpful tools

Budget tool and financial insights

Our mobile app can help teens create a realistic budget. It includes a budgeting tool and financial insights from our virtual assistant Alvie.

Personal finance

Our guide helps teens make sense of their personal finances and includes a quiz to test their knowledge.

Savings goals

Our tool can help your teen find the relevant savings product and inch them closer to their goals.

Advice for when it really counts

We’re here to support teens and parents at key moments in their lives, whether they’re in high school, starting their first part-time job or pursuing their goals.

Why choose us?

Youth dividend

The youth dividend is an introduction to how sharing and our cooperative culture go together. Our goal is to encourage kids to save.

Commitment

Our Together For Our Youth program helps you achieve your goals and reach your full potential.

Convenience

To better support our members and communities, visit one of the 200 caisses or branches and over 600 points of service in Quebec and Ontario.

Ranked one of the world’s best financial institutions by Forbes

Desjardins Group has been named one of the world’s best banks in 2025 External link. by Forbes. The global media company ranks the top financial institutions in 34 countries based on a consumer survey with over 50,000 participants.

FAQ

How do I open an everyday account for my teen at a caisse or branch?

  1. Find a caisse or branch
  2. Call to book an appointment and find out which pieces of ID and documents are required for opening an account.
  3. At the appointment, we'll verify your teen's identity with the ID provided and they'll sign the account opening documents.

What is the current interest rate on the everyday account included in the teen offer?

The interest rate4 on the teen offer everyday account is tiered, which means the higher the balance, the higher the interest rate.

 Interest rates for the everyday account included in the teen offer
BalanceInterest rate
0$ to 499$0.05%
500$ or more0.10%

Open an everyday account online

Teens 14 and over can open their own account. It takes about 15 minutes.

Open an account for teens 14 to 17

Book an appointment

Online

If you’re a member and a parent, book an appointment online to open an account with an advisor in person.

Book an appointment using our mobile and online services.

By phone

We're here to answer your questions about the teen offer. We can also book you an appointment to open an account.

1-800-224-7737 This link opens your phone app. (1-800-CAISSES)

To avoid waiting on hold, you can also schedule a call.

AccuLink ® is a registered trademark owned by the Canadian Credit Union Association (CCUA), used under licence. Interac® and Interac e-Transfer ® are registered trademarks of Interac Corp. Used under licence. Offer subject to change or termination at any time without notice. Certain conditions apply.For those 12 to 13, certain conditions apply on transactions made in-person, at an ATM or on AccèsD.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 page.Interest on the teen offer everyday account is calculated on the amount exceeding the minimum balance. For example, if a member has $600 in their account, an interest rate of 0.05% will be applied to the first $500 and an interest rate of 0.1% will be applied to the remaining $100.