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 694 points of service and 22 Desjardins Business centres in Quebec and Ontario
- Direct access to your finances from your mobile device with Desjardins mobile services
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 account
You can choose between one Canadian dollar account or one US dollar account.
Canadian dollar account
- Includes: unlimited transactions, whether on AccèsD (including Interac e-Transfers®), with the Desjardins debit card, by cheque, at an ATM or at a caisse or branch
- Excludes: cheque certification, drafts, safety deposit boxes and online cheque image return
US dollar account
- Includes: unlimited transactions, whether on AccèsD, with the Desjardins debit card, by cheque or at a caisse or branch
- Excludes: Interac e-Transfers®, cheque certification, drafts, safety deposit boxes and online cheque image return
Credit cards, take advantage of a generous rewards program
Cash Back World Elite Mastercard
- 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® Visa* Infinite Privilege card
To get this card, you must add $150 to the transactional plan at $125 a year.
- 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
Lines of credit - Take advantage of a flexible financing solution
Get financing while making the most of reduced rates on:
- the Personal Line of Credit: prime rate
- the Versatile Line of Credit: prime rate
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* 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 Business card credit limit.
Credit limit of up to $100,000
Visa 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
The Exclusive offer is available on request and may be modified or withdrawn at any time without notice. Your new benefits will apply upon your request. Certain conditions apply.
This offer cannot be combined with any other offer or promotion.
All financing and credit card applications are subject to credit approval. Conditions apply to all products and services.
Interac® and Interac e-Transfer® are registered trademarks of Interac Corp. Used under licence.
®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.
®Odyssey is a registered trademark of the Fédération des caisses Desjardins du Québec.
- All the accounts in the transactional plan at $125 per year must be held at the same caisse.
- 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.
- Depending on availability.
- 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.
For Cash Back World Elite Mastercard (annual fee: $100) or Odyssey World Elite Mastercard (annual fee: $130) or Odyssey Gold Visa (annual fee: $110), here 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.
For Odyssey Visa Infinite Privilege (annual fee: $295 for Desjardins members and $395 for non-members), here are some examples of applicable interest for a 30-day billing cycle: If the regular annual interest rate is 11.9% and your average daily outstanding balance is $100, you'd be charged $0.98 in interest. If it's $500, you'd be charged $4.89 in interest, and if it's $1,000 you'd be charged $9.78 in interest. Here are some examples of applicable interest for a 30-day billing cycle: If the regular annual interest rate is 12.9% and your average daily outstanding balance is $100, you'd be charged $1.06 in interest. If it's $500, you'd be charged $5.30 in interest, and if it's $1,000 you'd be charged $10.60 in interest. - 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.
- For each 12-month period following the date the account was opened, when annual company purchases reach $12,000 and up to $500,000 for Visa Business credit cards, a credit equivalent to 1% of these purchases will be deposited in the company account once a year, the day after the anniversary of the account opening. The maximum cash back per period is $4,880. Cash advances, cheques, interest charges, returned goods, administration, enrollment and renewal fees, fees for optional services, all other fees not related to purchases and cash advances by equal installments are excluded. To be eligible for cash back, your card account must be active on the date scheduled for payment of the cash back.
- 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).
