Chequing account
Desjardins
Desjardins Basic Plan
3.1/5 our rating
Opens Desjardins' website
- Monthly fee
- $3.95
- waivable
- Transactions
- 12 free
- a month
Overview
Desjardins' entry plan: 12 transactions a month and a debit card for a low fee, which a qualifying balance waives. It's meant for an account you only dip into now and then. Twelve transactions go quickly if you buy groceries and coffee with debit.
Fees
Account fees
Monthly fee
$3.95
eStatement
Included
Transactions
Free transactions / month
12
Highlights
- $3.95 per month, or free if you meet the $1,500 minimum balance requirement
- No-cost ATM access through the AccuLink® network
- Eligibility for member dividends3
- 12 transactions each month on AccèsD, at an ATM 2 or through a teller or cheque
- $1.50 Interac® e-Transfers
Legal
1. 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
2. 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
3. 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.
4. The $2.25 account maintenance fee that applies to the monthly paper statement is only waived for Basic transaction plans.
5. Non-registered regular savings account linked to your everyday account.
6. An order of 100 personalized cheques per year, Desjardins model.
7. Annual $15 discount (including taxes).
8. Since June 12, 2022, return of paper cheque images is no longer available for members who didn't already have this service.
9. Interace-Transfers and Desjardins money transfers aren't available via the AccèsD Telephone service.
10. Transaction fees also apply to the USD Build-Up Savings Account.
11. 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
12. 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.