Fees for businesses

We're committed to offering financial services tailored to your needs at a fair price. Here's a breakdown of our fees for business account transactions and services.

When do you pay per-transaction fees?

With our transaction plans you get a specific number of transactions at a set price.

Our per-transaction fees apply when:

Your account doesn't have a transaction plan
You exceed the number of transactions included in your plan
You use services that aren't included in your plan

A $7 monthly management fee applies to your Build-Up Savings Account or Business Chequing Account if you don't have a transaction plan.

If you have a US Dollar Build-Up Savings Account, the fees are the same as for the chequing account but in US dollars.

Fees for regular transactions

Withdrawals and deposits

Fees for regular transactions - Withdrawal
Withdrawal	Fee
Teller counter	$1.25
Desjardins ATM	$1.00
Non-Desjardins ATM in Interac® network	$1.50
Non-Desjardins ATM outside Canada (PLUS* network)	$3.00
Non-Desjardins ATM in AccuLink® network	Free

Fees for regular transactions - Deposit
Deposit1	Fee
Teller counter	$1.25
Desjardins ATM	$1.00
Sorted bills	$2.20 per $1,000
Unsorted bills	$2.50 per $1,000
Coins	$2.20 per $100
Deposit item	$0.22

Fees for regular transactions - Withdrawals and deposits
Direct deposit or withdrawal	Fee
Sign-up fee2	$30.00
0 to 14 transactions per month	$5.00 per month
15 to 50 transactions per month	$0.35 per transaction
51 to 100 transactions per month	$0.25 per transaction
101 to 500 transactions per month	$0.20 per transaction
501 to 10,000 transactions per month	$0.15 per transaction
10,001 or more transactions per month	$0.10 per transaction

>Fees for regular transactions - Remote Deposit Capture (scanner)
Remote Deposit Capture (scanner)	Fee
Sign-up fee2	$200.00
Licensing fee	$25.00 per month per scanner3

Fees for regular transactions - Night deposit
Night deposit	Fee
Sign-up fee2	Free
100 disposable envelopes	$31.003
Reusable bag (annual rental)	$45.003

Transfers and bill payments

Fees for regular transactions - Transfer
Transfer	Fee
Teller counter	$1.25
Desjardins ATM	$1.00
AccèsD Affaires	$0.90
Automatic transfer	$0.90
Automatic loan payment	Free
Automatic loan payment returned (NSF)	$45.00
Creation or modification of an automatic transfer	$5.00
One-time transfer at your request	$5.50

Fees for regular transactions - Bill payment
Bill payment	Fee
Teller counter	$2.50 (withdrawal charges included)
Teller counter at another financial institution	$3.00
Desjardins ATM	$1.00
AccèsD Affaires – Bill payment	$0.90
AccèsD Affaires – Personalized bill payment	$0.95
Pre-authorized payment	$0.90
Pre-authorized payment returned (NSF)	$45.00

Fees for regular transactions -Stop payment
Stop payment	Fee
With complete information (date, amount and name of payee) – online	$12.00
With complete information (date, amount and name of payee) – at teller counter	$13.00
With partial information	$20.00
For a series of cheques or pre-authorized payments	$20.00

International services

Various charges apply for transactions involving currencies other than Canadian dollars.

For accounts at Desjardins Bank, see their service charges for businesses.

Fees for regular transactions - Deposit or cashing of cheques, drafts or money orders in a CAN$ account
Deposit or cashing of cheques, drafts or money orders in a CAN$ account	Fee
US dollars	$2.50 per deposit or cashing

Fees for regular transactions - Money orders and drafts
Money orders and drafts	Fee
Issued in CAN$, US$ or other currency	$9.50

Fees for additional services

Fees for additional services -Desjardins Business Debit Card
Desjardins Business Debit Card	Fee
Replacement card	Free
Additional card	Free

Fees for additional services - Cheques
Cheques	Fee
Encoded cheque	$1.15
Cheque certified at signatory's request	$15.00
Cheque certified at payee's request	$20.00
Returned cheque (NSF)	$45.00
Order of personalized cheques3	Supplier's price
Cashing of traveller's cheques	Free

Fees for additional services - Confirmation or information on balances, fees, interest, transactions or other operations
Confirmation or information on balances, fees, interest, transactions or other operations	Fee
By phone or at teller counter	$5.00
Written (standard form or personalized letter)	$35.00 per hour (min. $17.50)

Fees for additional services - Search for cheques or other documents
Search for cheques or other documents	Fee
At your request	Free
Requested by third party	$5.00 per document

Fees for additional services - Account statements
Account statements	Without cheque images	With paper cheque images3	With online cheque images
Paper statement	$3.00 per month	$5.50 per month	$5.50 per month
Online statement	Free	$5.50 per month	Free

Fees for additional services - Account closing
Account closing	Fee
Less than 90 days after opening	$20.00
More than 90 days after opening	Free
Requested by another institution	$20.00

Fees for additional services - Inactive folio
Inactive folio	Fee
After 1 year	$15.00
After 2 years	$30.00
After 3 years	$50.00

Frais pour services complémentaires – Insuffisance de fonds
Insufficient funds	Cost
Cheque or pre-authorized payment without funds ("Returned cheque charges")	$45.00
Overdraft – annual interest rate (calculated daily) on advanced amounts	21%

Fees for additional services - Government remittances
Government remittances	Fee
GST/QST remittances	Free
Other remittances	$2.00

Fees for additional services - Account collection service
Account collection service	Fee
Sign-up fee2	$200.00
0 to 50 transactions per month	$15.00 per month
51 to 1,000 transactions per month	$0.30 per transaction
1,001 to 5,000 transactions per month	$0.15 per transaction
5,001 to 10,000 transactions per month	$0.14 per transaction
10,001 to 50,000 transactions per month	$0.13 per transaction
50,001 to 100,000 transactions per month	$0.127 per transaction
100,001 to 200,000 transactions per month	$0.072 per transaction
200,001 or more transactions per month	$0.067 or less per transaction

Fees for additional services - Other services
Other services	Fee
AccèsD Affaires	$0.00 to $29.95 per month
Messenger service	$70.00 per 10 bags3
Safety deposit box	Min. $60.00 per year3
Cash box	$55.00 per year

Single monthly financing fee

Combine all eligible financing4 up to $1.5 million into a plan with a single monthly fee. Your fee changes according to your total financing amount, any new financing you apply for and your repayment schedule.

Contact your advisor for more information and to see if you're eligible.

Commercial businesses

Single monthly financing fee - Commercial businesses - Total financing amount
Total financing amount	Monthly fee starting at5
$1.00 to $50,000.00	$50.00
$50,000.01 to $100,000.00	$60.00
$100,000.01 to $250,000.00	$70.00
$250,000.01 to $350,000.00	$90.00
$350,000.01 to $500,000.00	$95.00
$500,000.01 to $750,000.00	$120.00
$750,000.01 to $1,000,000.00	$170.00
$1,000,000.01 to $1,500,000.00	$190.00

Agricultural businesses

Single monthly financing fee - Agricultural businesses - Total financing amount
Total financing amount	Monthly fee starting at5
$1.00 to $50,000.00	$25.00
$50,000.01 to $100,000.00	$30.00
$100,000.01 to $500,000.00	$35.00
$500,000.01 to $750,000.00	$45.00
$750,000.01 to $1,000,000.00	$55.00

7 tips to help you save on fees

Choose a chequing account transaction plan that suits your needs and stay within the transaction limit to avoid overage fees and take full advantage of your plan's benefits.
See if you're eligible for a single monthly financing fee.
Avoid fees from other financial institutions by using our ATMs whenever possible.
Automate your accounts receivable process with our direct withdrawal or account collection services.
Sign up for direct deposit to reduce your deposit-related fees.
Use our employer solutions to save money on your payroll processing.
Pay bills with your Visa Business card to reduce your cheque and withdrawal fees.

Useful information

See our business fees brochure (PDF, 477 KB)

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See the list of transaction codes and their meanings

AccuLink^®is a registered trademark owned by the Canadian Credit Union Association (CCUA), used under licence.

Interac^® andInterac e-Transfer^® are registered trademarks of Interac Corp. Used under licence.

* PLUS is a trademark of Visa International Service Association and used under licence.

A base fee of $1.25 at the teller counter or $1.00 at the ATM is charged for each deposit. On top of that, fees are charged based on the type of deposit (bills, coins or other items). For large deposit volumes, the caisse reserves the right to charge additional fees.

You must sign up for this service before you can use it. The sign-up fee is a one-time charge.

These charges are subject to the GST and QST (Quebec) or HST (Ontario).

Financing that is not eligible for a single monthly financing fee and cannot be used to establish the value of eligible financing:

Loans paid out before April 1, 2014, as part of the Canada Small Business Financing Program
Loans guaranteed by the Ministère de l'Agriculture, des Pêcheries et de l'Alimentation du Québec
Financing granted as part of a program guaranteed by the Société d'habitation du Québec or the City of Montreal
Term loans and lines of credit in US dollars
Term loans and home equity lines of credit
Documentary letters of credit or letters of guarantee
Credit cards
Visa Business Freedom Solutions package
Accord D financing
Canada Emergency Business Account (CEBA)
Business Development Bank of Canada Co-Lending Program
Conditional sales contract

The table shows potential base fees for a monthly financing plan. On top of these fees, additional monthly management fees and asset monitoring fees may apply.