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Everyday account teen offer

Our account with a free monthly plan1 gives teens 12 to 17 a chance to build financial independence.

At 14, teens can open their own account online.

Opening an account for the first time

Receiving an allowance or a first paycheck is a great way for teens to learn how to manage their money. With an everyday account and relevant financial advice, it's easier to become more independent and make informed choices.

If your teen is 12 or 13, you'll need to book an appointment at a caisse or branch to open their account. You must accompany them to this meeting.

Everyday account with a free monthly plan

Our everyday account with the free Unlimited plan1 is great for making deposits, payments, withdrawals and transfers.

Features of our teen offer

Our offer includes the free Unlimited plan and several other perks for ages 12 to 24. 2

  • Unlimited regular transactions on AccèsD, with the debit card (upon request), at an ATM3 and at the teller
  • Free Interac e-Transfers®
  • Access to the AccuLink® ATM network
  • Free paper and online account statements

Service Fees may apply.

Debit card

Teens can request a debit card when they open an everyday account. They can use it for their daily transactions, including:

  • Contactless payments
  • Mobile payments by adding their debit card to their digital wallet
  • ATM withdrawals and deposits 

Online and mobile services

AccèsD is a quick and easy way for teens to manage their account and their finances on the go.

Discover our online services

Download the Desjardins mobile services app

Digital security matters

Learn how to develop good habits to detect and prevent digital scams.

Read our articles on digital security

Helpful tools

Budget

A budget provides a clear view of spending habits and helps with setting savings goals. Keep it updated regularly.

Personal finance

Our guide helps teens make sense of their personal finances and includes a quiz to test their knowledge.

Savings goals

Our tool can help your teen find the relevant savings product and inch them closer to their goals.

Advice for when it really counts

We're here to help teens through life's important milestones. Get advice and products tailored to the moments at their stage of life, such as getting a first part-time job, obtaining their driver's licence, travelling or pursuing post-secondary education.

Why choose us?

Youth dividend

The youth dividend is an introduction to how sharing and our cooperative culture go together. Our goal is to encourage kids to save.

Commitment

Our Together For Our Youth program helps you achieve your goals and reach your full potential.

Convenience

To better support our members and communities, visit one of the 200 caisses or branches and over 600 points of service in Quebec and Ontario.

FAQ

How do I open an everyday account for my teen at a caisse or branch?

  1. Find a caisse or branch
  2. Call to book an appointment and find out which pieces of ID and documents are required for opening an account.
  3. At the appointment, we'll verify your teen's identity with the ID provided and they'll sign the account opening documents.

Until what age does the offer apply?

Your teen can enjoy the everyday account with the free Unlimited plan1 and free monthly statements until age 24. Once they turn 18, they can look benefit from numerous other financial products and services through our youth offer.

Open an everyday account for teens

Online

It takes about 15 minutes to open an account.

Open an account for teens 14 to 17

By phone

We're here to answer any questions you may have about opening an account.

1-800-224-7737 AccèsD Telephone. This link opens up your phone app. (1-800-CAISSES)

We can call you when it's convenient.

Schedule a call for questions about the youth offer or to book anappointment to open an account

With an advisor

Book an appointment on AccèsD if you're a member, and meet with an advisor online, in person or over the phone.

Book an appointment on AccèsD to open an account for teens.
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. Offer subject to change or termination at any time without notice. Certain conditions apply.For those 12 to 13, certain conditions apply on transactions made in-person, at an ATM or on AccèsD.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.