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Offer for young people ages 18 to 30

Get a free everyday account1 with financial products and services that work for you.

What we offer

Get an everyday account (chequing account)2 with a free monthly plan,3 plus a wealth of financial products to help you reach your goals. Whether you want to manage your daily expenses, invest, save or pay for school, we have financial solutions that work for you.

Everyday account with a free monthly plan

With our youth offer, you get the free Unlimited plan, which includes:

  • Unlimited transactions
  • Unlimited Interac e-Transfers®
  • Access to the AccuLink® ATM network

Fees may apply for other services.

This offer is for you if you’re:

  • Between 18 and 24, OR
  • Between 25 and 30 and a full-time vocational, CEGEP, college or university student at a recognized educational institution in Canada. You’ll need to confirm your full-time student status each year.4

Not eligible for our youth offer?

See our offer for professionals, offer for newcomers and other monthly account plans.

Put your money to work

Save for your short-term goals

  • Examples: Boost your emergency fund for unexpected expenses or save for a personal goal
  • Products to help you get there: Flexible options like our savings accounts or Enhanced Savings Plan
  • Looking forward: Contribute to a TFSA so you can grow your money tax-free

Invest in your future

  • Examples: Grow your money with investments managed by professionals
  • Products to help you get there: Tailored investments such as Desjardins Funds5 or market-linked guaranteed investments6
  • Looking forward: Open an FHSA to build up your down payment while getting a tax break
See all our savings and investment products

Do your own investing

Use our free online brokerage platforms and get access to training, analysis tools and financial news, so you can invest on your own with the knowledge you need.

Everyday credit options

Explore our credit cards perfect for students and young professionals, such as our Cash Back Visa*, Cash Back Mastercard® and Odyssey® Gold Visa*.

Cash Back Visa and Cash Back Mastercard

A card with no annual fee,7 up to 3 days of travel insurance8 and up to 2% cash back on purchases9.

Interest rate: 20.9% on purchases and 21.9% on cash advances

Odyssey Gold Visa

A card with comprehensive travel insurance8 and up to 2% of your purchases in BONUSDOLLARS®10 for $11011 a year.

Interest rate: 20.9% on purchases and 21.9% on cash advances

Bonus of 110 BONUSDOLLARS 

Apply for the Odyssey Gold Visa and get a yearly bonus of 110 BONUSDOLLARS  (at a value of the card’s annual fee) if you’re a student in certain fields.12 You can get this bonus for either 2 or 3 years, depending on your field of study.

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

Finance your projects

Education

Get a financial boost for your vocational, college or university studies.

Personal goals and other needs

Get financing13 to pursue your ideas or boost your emergency fund.

Want more financing options? Check out all our products and see what works for you.

Explore our loans and lines of credit

Tools to track your finances

Your budget

Calculate your income and expenses so you can track your finances, see how much you can save and become more financially empowered.

Use the Your budget tool.

My savings goals

Find the savings account that’s right for you. Set up automatic transfers in our mobile and online services to start saving at your own pace.

Use the Savings goals tool.

Credit report

View your credit report for free in our mobile and online services to keep an eye on changes to your credit score.

Use the credit report tool.

Improve your financial literacy

Watch our Youtube videos and read our articles to learn more about useful financial topics.

A Question of Ca$h

Got questions about personal finance? Get answers by watching these short videos that discuss saving, investing, credit and other key topics.

See the videos A Question of Cash. External link.

Tips to stay on top of your finances

FAQ

How do I take advantage of the offer for young people?

Online

Open an account if you’re between 18 and 24 or between 25 to 30 and studying full time.

With an advisor

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

Find a caisse or branch

For questions about opening an account, call us at 1-800-224-7737 This link opens your phone app..

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

If you're between 25 and 30, you can still benefit from the youth offer if you're a full-time student at a recognized educational institution in Canada.

You must 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. You may need to show proof of enrollment status upon request.4

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

Full-time student status depends on the number of hours or credits and varies depending on your level of study. See the documentation provided by your educational institution to confirm your student status.

What’s the interest rate for the youth offer everyday account?

The interest rate14 for the everyday account included in the youth offer increases as your account balance increases.

 Interest rate for the youth offer everyday account
BalanceInterest rate
$0 to $4990.05%
$500 or more0.10%

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 304

What fees will I need to pay once the youth offer ends?

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 set minimum balance in your everyday account.

You can also see if you’re eligible for our one of our offers for professionals, which includes discounts on an everyday account as well as certain credit cards, lines of credit and business solutions.

Open an everyday account

By phone

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

To avoid waiting on hold, you can also schedule a call to ask questions about the youth offer or to book an appointment to open an account..

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. Odyssey ®, BONUSDOLLARS ®, Desjardins ®, Desjardins Insurance ®, all trademarks containing the word Desjardins, as well as related logos are trademarks of the Fédération des caisses Desjardins du Québec, used under licence. Mastercard® and World Elite® are registered trademarks, and the circles design is a trademark of Mastercard International Incorporated.* Trademark of Visa International Service Association and used under licence. Offer subject to change or termination at any time without notice. Certain conditions apply.The Fédération des caisses Desjardins du Québec and Desjardins caisses in Quebec are financial services cooperatives governed by the laws of Quebec. Deposits made there are protected by the Autorité des marchés financiers.To get this offer, apply online or call 1-800-224-7737 This link opens your phone app. (1-800-CAISSES). or contact your caisse or branch. Offer subject to change or termination at any time without notice. Certain conditions apply. 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.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.The Desjardins Funds are not guaranteed, their value fluctuates frequently, and their past performance is not indicative of their future returns. Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the prospectus before investing. The Desjardins Funds are offered by such registered dealers as the Desjardins Financial Services Firm, a mutual fund dealer belonging to the Desjardins Group that distributes the Funds in caisses throughout Québec or the Credit Union in Ontario.Information on MLGI rates of return is provided for information purposes only. This information will vary and may be subject to change at any time without notice. Desjardins does not guarantee their completeness or accuracy. Before investing, you should read the investment agreement, which can be found at www.desjardins.com/mlgi. In the event of a discrepancy between this site and the investment agreement, the investment agreement will prevail. Variable return may be nil at maturity. Your capital is always guaranteed at maturity. This product is redeemable or convertible once a year, after the third year, during prescribed periods and in compliance with terms stipulated in the investor agreement. Redemption or conversion value may be less than the capital invested. Conversion value is greater than redemption value because you continue to hold a Desjardins Market-Linked Guaranteed Investment.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.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.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.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.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 20.9% and your average daily outstanding balance is $100, you'd be charged $1.72 in interest. If it's $500, you'd be charged $8.59 in interest, and if it's $1,000 you'd be charged $17.18 in interest. If the regular annual interest rate is 21.9% and your average daily outstanding balance is $100, you'd be charged $1.80 in interest. If it's $500, you'd be charged $9.00 in interest, and if it's $1,000 you'd be charged $18.00 in interest.This offer applies only to university students who were approved for an eligible card after June 18, 2018.Loans and financing are subject to Desjardins credit approval. Certain conditions, limitations and exclusions may apply. Loans and financing are offered based on your needs. Speak with a Desjardins advisor to find the right financing for you.Interest on the youth 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.