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Everyday account (chequing account)

Our everyday account is perfect for your day-to-day transactions. Choose the transaction plan that works best for you and enjoy the advantages of being a Desjardins member.

Choose your plan

With our transaction plans on everyday accounts, you get a certain number of transactions at an attractive fixed price.

"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.

Important

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.

See the changes to our youth offer (members ages 12 to 30) (PDF, 86 KB)
See the changes to our offer for members ages 31 and over (PDF, 112 KB)

Are you eligible for an offer?

Our offers 3  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.

Students

Enjoy unlimited transactions free of charge and a number of other services and advantages. 4

See the offer for high school students
See the offer for post-secondary students

Newcomers to Canada

Open an everyday account and get the Unlimited plan and legal assistance for free for the first 2 years. 5

See our offer for newcomers to Canada
See our offer for international students

Professionals

Get a $12 discount on the monthly fee for the Unlimited Plus plan, as well as many other advantages. 6

See our offers for professionals

Seniors aged 60 and over

Get a discount of up to $4 each month on your everyday account service fees or monthly plan. Members born before April 1, 1943, pay nothing for regular transactions. Just ask at your caisse. 7

Service fees — Merit Service for individuals 60 and over (PDF, 175 KB)

Service fees for Merit Service beneficiaries born before April 1, 1943 (PDF, 409 KB)

Opening an account without a plan and other types of accounts

Open an account without a transaction plan

Don't expect to need many transactions? You can open an everyday account without a transaction plan if you don't need one right now. Your transactions will then be billed individually.

See our per-transaction fee

There are 3 ways to open an account without a transaction plan:

Online

Open an everyday account without a transaction plan

If you're already a Desjardins member, go to the Accounts section of 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.

Schedule a call
In person

Make an appointment at a caisse near you for help opening an account. You'll be asked to show 2 valid and recognized pieces of photo ID.

Find a caisse
Open a joint account

You cannot open a joint account online.

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.

Schedule a call
In person

Find a location near you
Open an account for a child between 5 and 11

Help your child adopt good financial habits and meet their first savings goals by opening their first account for them.

If their school offers the School Caisse This link redirects to another Desjardins site. program, your child benefits from its educational and deposit collection components. If the school doesn't offer the program, you can still take advantage of all its educational benefits at home.

Either way, all you need to do is fill out the form on the Enroll my child This link redirects to another Desjardins site. page.

You can also go to your local caisse to open an account for your child. Important: Your child must be with you.

Useful information about your 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 8 )
  • 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*, 9 network (outside Canada):
    • North America: $3.00
    • Elsewhere in the world: $5.00
At the counter
  • Cheque cashing, withdrawals and transfers 10 : $1.25
  • Bill payments 10 : $2.25
Other transactions
  • Direct payments (Canada, US): $1.25
  • Preauthorized withdrawals 10 : $1.25
  • Automatic transfers between accounts in different folios: $1.25
  • Cheques 10 : $1.25

Fees may also apply for paper statements and other services.

See all service fees

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.

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.

Manage your account online

AccèsD makes it quick and easy to access your accounts and keep an eye on your finances. Use it anytime, anywhere.

Discover AccèsD and our mobile services

Download the Desjardins mobile services app

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 11 , qualify for a dividend 11 and help give back to the community.

Discover our cooperative nature

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.

Learn more about our values

Our members are our priority

Financial education is a key part of our mission

Financial education is a key part of our mission

Your security matters most

Your security matters most

Accessible financial services

Accessible financial services

FAQ

What's an everyday account?

The everyday account is practical for your day-to-day transactions, like depositing your paycheque, making purchases and transferring funds.

Your everyday account is eligible for member dividends 12  if your caisse distributes them.

 What is the difference between an everyday account and a chequing account?

There's no difference between our everyday account and a chequing account. Personal Chequing Account is the old name for our Everyday Transaction Account. You use the everyday account to do your day-to-day transactions, like paycheque deposits, money transfers, ATM withdrawals, debit card purchases and cheques.

 Can I open an account at a Desjardins caisse before moving to Canada?

Yes, you can open an account at a Desjardins caisse before moving to Canada. Read our Preparing to live in Canada page to plan your next steps and find the offer that best meets your needs.

 Why pay for a $5 qualifying share?

Since each caisse is a cooperative, when you open your first account in a caisse you must pay a $5 qualifying share to become a member. Membership means you have access to our services and can participate in the caisse's democratic life, for example by voting at general meetings. If you open an account in a different caisse, you'll have to pay a new qualifying share.

It's not an account opening fee. If you close the account, we will reimburse your $5.

 What is considered a transaction?

Withdrawals, payments and certain types of transfers count as transactions.

 How can I make sure my account is secure?

We take the security of your account and your personal information very seriously. Find out how to sharpen your cybersecurity reflexes and discover the features you can activate to enhance your account security, like 2-step verification or security alerts, on our Security page.
See more questions about accounts and services

Open an everyday account

Online

Start by choosing the transaction plan that works best for you. 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.

Schedule a call
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. Transaction fees apply if you exceed the number of transactions included in your monthly plan or if you don't have a plan. For more information, see the Service fees page. Some offers provide a discounted or waived fee on this plan under certain conditions. 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. Some conditions apply. This offer is available upon request and subject to change at any time, without notice. Only one offer can be applied to each account. Interace-Transfers and Desjardins money transfers aren't available via the AccèsD Telephone service.  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. Transaction fees also apply to the USD Build-Up Savings Account. 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. 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.