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Desjardins

Desjardins Unlimited Plan

3.7/5 our rating

Open account

Opens Desjardins' website

Monthly fee
$15.95
waivable

Overview

Unlimited monthly transactions for Desjardins members, with a way to have the monthly fee waived and eligibility for member dividends. A good fit if you already bank with Desjardins and use your account every day. If you only make a handful of transactions a month, the Intermediate or Basic plan costs less.

Fees

Account fees

Monthly fee

$15.95

eStatement

Included

Highlights

  • Monthly fee of $15.95 (waived with a $4,000 minimum balance)
  • No ATM fees with the AccuLink® network
  • Eligible for member dividends3
  • Unlimited transactions through AccèsD, an ATM 2 or teller
  • $1.50 cost for Interac® e-Transfers 

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.

1. Some offers provide a discounted or waived fee on this plan under certain conditions.

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. Non-registered regular savings account linked to your everyday account.

5. An order of 100 personalized cheques per year, Desjardins model.

6. Annual $15 discount (including taxes).

7. Since June 12, 2022, return of paper cheque images is no longer available for members who didn't already have this service.

8. The $2.25 account maintenance fee that applies to the monthly paper statement is only waived for Basic transaction plans.

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. Subject to certain eligibility criteria.

13. The fee waiver only applies to the Unlimited plan for a single member folio (individual or joint account).

14. Certain conditions and restrictions apply. For more information, call 514-875-4137 or 1-877-435-6098 and mention that you have the Welcome Offer for Newcomers to Canada.

15. 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.