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Financial products and services for youth

The financial needs of teenagers can change rapidly. We offer simple solutions for young people, so they can deposit their first paycheque or save for a project.

At 14, teens can open an account online.

A financial institution that puts young people first

Developing and maintaining good financial habits can serve you for a lifetime. Read on for information and tips on how to manage money and become financially empowered.

Are you a parent?

As a parent, you have the privilege of helping your teenager develop their financial literacy. Start a dialogue about money early on to give them a head start in their independence.

Learning to manage money

Youth everyday account

Opening an everyday account is the first step of personal finance management. It's ideal for depositing money, withdrawing cash and making transfers and bill payments.

Our everyday account for youth has unlimited transactions with zero fees 1 . With this account, teens can apply for a Desjardins Debit Card and make deposits and withdrawals on AccèsD.

Opening an account

Youth 13 and under

To open an account, an appointment needs to be made at a caisse or branch.

Youth 14 to 17

An account can be opened online or at a caisse or branch. Set aside about 15 minutes to open an account online.


Make a budget

Making a budget is important. It provides a clear picture of money coming in and money going out. Our budget template can help with saving money for a big purchase.

My budget tool

This tool in AccèsD lets members view their transactions by category and set savings goals. Don't forget to update your budget any time your income and expenses or personal circumstances change.

A savings boost

Savings goals tool

Achieving goals and dreams takes hard work and money. That's why saving is essential.

The Savings goals tool on AccèsD helps young people find the savings product they need and lets them schedule automatic transfers to reach their goals at their own pace.

Youth dividends

Members ages 5 to 17 may be eligible for youth dividends to encourage them to save.

Personal finance 101

Making smart financial choices begins in adolescence. Our guide, "Make the grade for personal finances", provides a good start.

Projects take planning!

First job

Joining the workforce, even part time, is a big step. We can help make sure it goes smoothly.

Driver's licence

Getting a driver's licence? Here's some information to keep in mind before hitting the road.


Whether you're going on a road trip or camping in the woods, we're a companion you can count on.

Kids under 18 must be covered by their parents' travel insurance.

Post-secondary studies

We can help with professional training, college and university, studying abroad, moving out or any other project. We have special offers for young people, including scholarship programs and prizes.

Our commitment to youth

Nothing makes us prouder than seeing young people succeed. Every year, we invest millions of dollars in a variety of youth initiatives.

Besides offering scholarships, the Desjardins Foundation supports several organizations that are committed to the academic success and well-being of young people.

Preventing fraud

Young people are often targets of get-rich-quick scams. Scammers will request to use their accounts to make transactions in return for cash. By accepting, victims become accomplices to fraud and may face serious consequences. This is why keeping accounts secure is important.

Interac ® and Interac e-Transfer ® are registered trademarks of Interac Corp. Used under licence. The fee waiver only applies to the Unlimited plan. For withdrawals at non-Desjardins Interac† and Plus*-affiliated ATMs, fees of $1.50, $3.00 or $5.00 may apply. Some ATM operators may charge additional fees. They must inform you of the fee via an on-screen message before processing the transaction. You then have the option of cancelling the transaction. These fees are added to the withdrawal amount and paid directly to the ATM operator. For more information, visit the Fee page.