Pharmacist-owners
Desjardins ad
Take advantage of attractive rates and reduced fees on a complete range of products and services
- Desjardins is the largest financial cooperative group in Canada, and the largest financial group in Quebec.
- Nearly 1,300 points of service and 45 Desjardins Business centres in Quebec and Ontario
- Direct access to your finances from your mobile device with Desjardins mobile services
Conditions apply to all the products, services and advantages offered.
May not be combined with any other offer or promotion. This offer may change without prior notice.
Financial transactions
Comprehensive transaction plan - The plan at $125 a year
To take advantage of the plan at $125 a year, you must have an eligible credit card.
Main account (for your personal needs)
The unlimited transactions plan is applicable to all transactions using any access method – teller, automated services, cheques. It includes:
- Interac e-Transfers ® (unlimited)
- Cheque certification
- Drafts
- Basic safety deposit box
- Return of online cheque images, for members with monthly account statements only
Additional accounts (for you or your spouse)
Unlimited transactions on AccèsD, with the Desjardins debit card, by cheque, or teller services, including:
- 2 CDN dollar accounts, including Interac e-Transfers
- 1 US dollar account, excluding Interac e-Transfers (cheque certifications, drafts, safety deposit boxes and online cheque image return are not included)
Credit cards, take advantage of a generous rewards program
Cash Back World Elite Mastercard
- Get an additional card without charge.
- Cash back of up to 4% on your everyday purchases.
- Travel insurance for trips up to 3 days.
- Enhanced coverage in case of loss, theft or damage for the majority of goods bought with your card.
Odyssey® Gold Visa* card
- Get an additional card without charge.
- Get up to 2% of your everyday purchases in BONUSDOLLARS®
- Comprehensive travel insurance.
- Enhanced coverage in case of loss, theft or damage for the majority of goods bought with your card.
Odyssey® Visa* Infinite Privilege card
To get this card, you must add $150 to the transactional plan at $125 a year.
- Get an additional card without charge.
- Get up to 4% of your everyday purchases in BONUSDOLLARS: You can exchange your BONUSDOLLARS however you want, whenever you want, no restrictions. Use them for trips, event tickets, gift rewards, financial products and services, donations, and account credits.
- Comprehensive travel insurance: Enjoy worry-free travels, whenever you want, as you have some of the most comprehensive insurance on the market.
- Exclusive access to the Desjardins Odyssey Lounge at Montreal-Trudeau airport.
Benefits for individual members
Overdraft transfer - Avoid nasty surprises
Allows you to cover your accounts from the nuisance insufficient funds can cause by associating, without charge, your Desjardins credit card to them.
Desjardins financing products, partners in your projects
Desjardins Personal Loan - Make your projects a reality
To finance plans while benefiting from an additional reduction of 1.50% on the effective rate.
Lines of credit - Take advantage of a flexible financing solution
To get financing tailored to your needs, while making the most of reduced rates granted on:
- the Desjardins Line of Credit: Up to $250,000 at prime rate prime rate
- the Versatile Line of Credit: prime rate
Mortgage - Finance your real estate project
Finance your real estate projects while making the most of the exclusive advantages offered to you:
For new financing and renewals:
- Prime rate or best offer on reduced variable rate mortgages
For new financing:
Benefits for business members
Our plans - Reduce your operating costs
Made-to-measure plans.
AccèsD Affaires
- Online cash management tool
- Also available on your mobile device
- Reliable and customized solutions
- Rigorous management of accounts payable to avoid penalties
- Accurate, on-time pay calculation production of government reports and slips
- complete records of employment
- issuance of cheques or transfers to the employee's account
- support relating to regulation and legislation
Processing card payments
Get advanced personalized payment solutions through our partnership with Global Payments, a leading worldwide provider of payment technology solutions.
Point-of-sale financing
- Online applications and instantaneous response
- Receive full payment within 48 hours
Business Freedom Solutions package - 3-in-1 financing package tailored to your reality
A complete financing solution that includes a line of credit, financing and a credit card.
- A line of credit for your operating expenses
- The Visa Desjardins Business card for your business expenses
- Desjardins Accord D Business financing of up to $100,000
Desjardins Accord D Business financing - Made-to-measure financing for your business
Get fast financing by taking advantage of a second, separate credit limit from existing Visa Desjardins Business card credit limit.
Credit limit of up to $100,000
Visa Desjardins Business card - Spend, get and save
Operating line of credit - Finance your day-to-day operating needs
A line of credit to meet your operating needs and to take advantage of supplier discounts.
Desjardins savings products, to make your assets grow
- Enhanced Investment Business Account
- Enhanced interest rate savings account
- Guaranteed fixed-rate investments
- Bonus on certain terms of our guaranteed fixed-rate investments
- Disnat Online Brokerage
- $100 commission credit deposited in the account at the opening
- Up to $135 cash back on transfer fees for portfolios of over $15,000
Group retirement savings solutions
- Complete range of plans
- Discount of up to 30 % on management fees
Business transfer, acquisition or sale - Structured approach to support you through the process
- Team of experts at your service, working together with your professionals
- All services under one roof
Life insurance for business owners – Essential coverage to protect the financial security of your business
- Minimize the financial impact of your death on your business and your family
- Benefit from guaranteed insurability, which means you can increase your coverage based on the market value of your ownership interest
Health and disability insurance for business owners – Tax-efficient coverage options
- Get joint coverage for you and your business in case of accident or illness
- Make sure your business can continue to meet its financial obligations
Property and liability insurance - Prepare for any eventuality and have peace of mind
Enjoy essential basic coverage as well as specific coverage for service industry businesses like yours, at a preferred rate.
- All-risk commercial insurance policy tailored to your needs
All financing and credit card applications are subject to credit approval. Conditions apply to all products and services.
® Registered trademark of Interac Inc. Used under license.
®Odyssey and BONUSDOLLARS are registered trademarks of the Fédération des caisses Desjardins du Québec.
®Mastercard and World Elite are registered trademarks of Mastercard International Inc.
* Trademark of Visa International Service Association and used under licence.
- All the accounts in the transactional plan at $125 per year must be held at the same caisse.
- For withdrawals from non-Desjardins ATMs in the Interac® and Plus* networks, network service charges apply.
- Interac e-Transfer is a registered trademark of Interac Inc. Used under license.
- Depending on availability.
- No sign up fees, monthly fees or transaction fees. The applicable fee is the credit charge for cash advance, calculated at the interest rate of the Visa Desjardins card as of the time the cash advance is granted.
- Service may be suspended due to a number of factors, such as the available credit limit for overdraft transfer, the card conditions, or applicable credit and security rules (for example, if amounts put on hold for pending transactions result in the credit limit being reached, or payment of an amount owing on the card is unduly late). Where appropriate, service is reinstated once the situation is resolved. Details and conditions on the Overdraft transfers page.
- Student Strategic line of credit.
- The prime rate is the annual variable interest rate that is publicly and occasionally set by Fédération des caisses Desjardins du Québec, and from which it calculates the interest rate on the loans it grants in Canadian dollars in Canada.
- For financing of at least $100,000. This line of credit is guaranteed by a first-rank immovable hypothec.
- Subject to credit approval by Desjardins. Certain conditions apply. Contact your advisor for more information. Cash back is awarded on new Desjardins mortgages of at least $100,000 for owner-occupied properties with up to 4 units and a mortgage term of at least 48 months. The cash back will be deposited in the account linked to the mortgage.
- As soon as net purchases made on your Visa Desjardins Business card reach $12,000 annually (up to a limit of $500,000 a year), a credit equivalent to 1% of subsequent purchases will be posted to your business account once yearly, on the account anniversary date. Maximum annual cashback amount: $4,880. Cash advances, Visa cheques, Accord D Business financing transactions made at a Desjardins caisse, interest charges, merchandise returns, administrative charges and other purchase fees are not included. If the account is closed before the anniversary date of the account opening or if the cardholder's account is 90 or more days past due or if the Visa Desjardins Business card is cancelled by the FCDQ, the cardholder loses his/her right to 1% annual cashback and no deposit will be made.
- Desjardins Securities Inc. uses the trade name Desjardins Online Brokerage for its discount brokerage activities. Discount brokerage products and services are consolidated under the Disnat brand. Desjardins Securities Inc. is a member of the Canadian Investment Regulatory Organization (CIRO) and the Canadian Investor Protection Fund (CIPF).
