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Everyday account youth offer

Explore our tailored financial services for young people. Open an account with a free1 monthly plan if you're 18 to 24 years old or 25 to 30 and studying full-time.

Under 18? See our everyday account offer for teens.

About our youth offer

Our youth offer2 includes an everyday account for your day-to-day transactions. Depending on your needs, you can also apply for a credit card or line of credit. We're here to help if you need it.

Everyday account with a free monthly plan

Enjoy all the benefits of an everyday account with the free1 Unlimited plan, which includes unlimited regular transactions for as long as you're eligible.

Are you eligible?

This offer is for you if you meet 1 of the following criteria.

  • You're between 18 and 24.
  • You're between 25 and 30 enrolled in a full-time college, vocational or university program at a recognized educational institution in Canada. You must confirm your enrollment status each year.3

For newcomers ages 18 to 24 or 25 to 30 and studying full-time, see our offer for newcomers to Canada.

Features of the Unlimited plan

What's included:

  • Unlimited regular transactions on AccèsD, with the debit card (upon request), at an ATM4 and at the teller
  • Free Interac e-Transfers®
  • Access to the AccuLink® ATM network
  • Free account statements5

Fees may apply for other services.

Credit cards

You can apply for a credit card to build credit and gain some independence. Choose one of our no annual fee cards, like the Cash Back Visa*, Cash Back Mastercard® ou Odyssey® Gold Visa* (with fee), or see our other cards.

Cash Back Visa and Cash Back Mastercard

  • No annual fee6
  • 20.9% on purchases and 21.9% on cash advances of $2,5007
  • Get up to 2% cash back on your purchases8
  • Travel insurance for trips up to 3 days9

Odyssey Gold Visa

  • $110 annual fee6
  • 20.9% on purchases and 21.9% on cash advances of $5,0007
  • Get up to 2% of your purchases 10 en récompenses BONIDOLLARSMD
  • Travel insurance for up to 60 days9

With certain fields of study11, you can get a yearly bonus (during 2 or 3 years) of 110 BONUSDOLLARS, which amounts to the same as the annual fee.

Duration of the annual bonus of 110 BONUSDOLLARS

2 years:

  • Accounting
  • Actuarial science
  • Chiropractic medicine
  • Engineering
  • Law
  • Pharmacology
  • Podiatry

3 years:

  • Dentistry
  • Medicine
  • Optometry
  • Pharmaceutical studies
  • Veterinary medicine
See all our credit cards

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

Digital security matters

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

Read our articles on digital security

Tools to track your finances

Your budget

Calculate how much you can save based on your salary and expenses to plan for your next big purchase.

Use the My budget tool

My savings goals

Find the savings account that's right for you and set up automatic transfers on AccèsD to start saving at your own pace.

Use the My savings goals tool

Credit report

View your credit score and report for free on AccèsD before making a big purchase.

Use the Credit report tool

Here for you every step of the way

Ready for your next big step in life and need some guidance? Read through these useful resources to find out more and get some handy tips.

Advice on how to mange your money wisely

What sets us apart

Member dividends

Every Desjardins caisse is a financial services cooperative. As a member, you can take part in caisse decisions12, qualify for a dividend12and help give back to the community.

Commitment

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

Support

The staff at our 360d spaces located on select university campuses, along with our Questions de  cash videos are there to help get your finances off to a good start.

FAQ

How do I open an account so I can get the youth offer?

Online

Open an account for youth.

With the help of an advisor

Make an appointment at a caisse or branch near you so we can help you open your account. You'll be asked to show 2 valid and recognized pieces of photo ID.

Find a caisse or branch

You can also call us at 1-800-224-7737 This link opens your phone app. (1-800-CAISSES) if you have questions about opening an account.

Can I still get the youth offer if I'm between 25 and 30?

You can benefit from the youth offer if you're between 25 and 30 and a full-time student at a recognized university, college or vocational school in Canada.

You'll have to call us to confirm your full-time enrollment each year. You can do this from the first business day of the month following your birthday. At any time, you may need to show us proof of your enrollment status3. 

How do I know if I'm a full-time student?

The number of hours or credit used to determine if you're a full-time student depends on your level of study. Check the documents provided by your educational institution to confirm your enrollment status.

When will I need to start paying fees?

The free youth-offer period ends:

  • The last business day of the month of your 25th birthday if you're between 18 and 24
  • The last business day of the month of your 31st birthday if you're a full-time student between 25 and 303

What fees will I need to pay once I'm no longer eligible for the youth offer?

Once the offer expires, you'll need to pay the monthly Unlimited plan fees in force. You'll also be billed for paper statements if you choose that option.

You can keep the Unlimited plan or choose another plan that better meets your needs. You won't need to pay a monthly fee if you maintain a required minimum balance in your everyday account.

Changing plans may affect your other products and services. Contact your advisor for more information.

Open an everyday account

Online

It takes about 15 minutes to open an account.

Open an account

Under 18? See our everyday account offer for teens.

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 for questions about the youth offer or to book anappointment to open an account
Interac® andInterac 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. Mastercard® and World Elite® are registered trademarks, and the circles design is a trademark of Mastercard International Incorporated. Odyssey®, BONUSDOLLARS®, Desjardins®, Desjardins Insurance®, all trademarks containing the word Desjardins, as well as related logos are trademarks of theFédération des caisses Desjardins du Québec, used under licence. * Trademark of Visa International Service Association and used under licence. Offer subject to change or termination at any time without notice. Certain conditions apply.To get this offer, you must go to your caisse or call1-800-224-7737 Phone number of AccèsD customer service for Canada and the US. (1-800-CAISSES). You must also be able to prove that you meet the eligibility requirements.
If you're between 25 and 30, you'll need to confirm your student status the month after your birthday every year. We may ask you to provide proof of enrollment at any time. The offer will be automatically withdrawn if you're no longer eligible.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.The $2.25 account maintenance fee that applies to the monthly paper statement is only waived for Basic transaction plans.You have 21 days from the date the monthly statement is issued to pay the full balance on your account without interest, except on cash advances.The minimum payment is 5% of the following: your outstanding balance, interest on purchases, monthly installments that were not paid by the due date for the previous period, regular purchases and cash advances from the current statement period, plus interest on cash advances. This amount will also include any other amounts due under your credit card contract. Here are some examples of applicable interest for a 30-day billing cycle: If the regular annual interest rate is 19.9% and your average daily outstanding balance is $100, you'd be charged $1.64 in interest. If it's $500, you'd be charged $8.18 in interest, and if it's $1,000 you'd be charged $16.36 in interest.Subject to credit approval. Maximum amount depends on your credit limit. Cash advance interest starts to accrue on the transaction date.Cash back is calculated as a percentage of the purchases made with the card. Merchandise returns, cash advances, equal payment cash advances, RRSP cash advances, promotional and regular cheques, in-store Accord D financing, interest charges, purchases of foreign currency, electronic funds transfers, money orders and any type of purchase made in a casino do not earn cash back.This coverage is offered by Desjardins Financial Security and applies to people ages 75 and under. Coverage applies to cardholders, their spouse and dependent children when travelling with the cardholder. Some exclusions and restrictions apply. See your policy for coverage details.BONUSDOLLARS are calculated as a percentage of the purchases made with the card. Merchandise returns, cash advances, equal payment cash advances,RRSP cash advances, promotional and regular cheques, in-store Accord D financing, interest charges, purchases of foreign currency, electronic funds transfers, money orders and any type of purchase made in a casino do not earn BONUSDOLLARS.This offer applies only to university students who were approved for an eligible card after June 18, 2018.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.