How we protect you
All our members and clients are covered by Desjardins Identity Protection.
Desjardins adheres to industry best practices to ensure the security of your personal information when you make your transactions.
Identification and authentication
Desjardins ensures its members assets are secure by systematically identifying and authenticating its members before they carry out transactions online or at the ATM.
To prevent fraud or following a case of identity theft, we will ask you to show your Desjardins Access Card when making transactions at a caisse or Desjardins Business centre. Two recognized identification documents may also be required. You will have to show original valid ID; no photocopies are accepted. See the list of identification documents - This link will open in a new window (PDF, 17 KB).
Phishing fraud
Our systems run 24 hours a day, 7 days a week, which enables us to act quickly if we detect fraudulent email.
Furthermore, we follow up on each seemingly fraudulent email that you send us.
Learn more about phishing.
Cloning and card fraud (skimming)
We are equipped with additional security systems that check your identity when you use your Desjardins Access Card at an ATM. In addition to your personal identification number (PIN), you may be asked to enter your birth date when you make some transactions.
Desjardins employees are not authorized to ask for your password or PIN.
Debit card
If your debit card is lost or stolen, we deactivate it as soon as you call us. Your caisse will issue you a new Desjardins Access Card.
Credit card
To report the loss or theft of your Desjardins credit card, you can contact us 24/7 and we'll see to it that a new credit card is issued right away.
Learn more about credit and debit card fraud.
Computer virus fraud
Test your knowledge and the security of your computer:
- Find out what to do if you believe your computer may be infected with a computer virus.
- Be sure to protect your PC from computer viruses.
- Take our quiz to test your Web knowledge and behaviour - This link will open in a new window.
Identity theft
Among the many Desjardins assistance services available, Identity Theft Assistance is offered at no extra cost to all individual members.
Learn more about Identity Theft Assistance and identity theft.
Cheque fraud
Desjardins cheques have many security features that comply with the Payments Canada's best practices and standards.
Find out more about cheque fraud.
To protect the integrity of the information you send when you make transactions on AccèsD or AccèsD Affaires, Desjardins has set up several security measures.
- AccèsD and AccèsD Affaires secure log-on procedure
- Data encryption
- Secure session management
- Cookies
- Digital certificates
- Firewall
The money lost is refunded if you are a victim of fraud done online or with your Desjardins Access Card, as long as you:
- abide by the online services and the Desjardins Access Card terms of use
- do not disclose your access codes, passwords or PINs to anyone and protect your personal computer equipment
- advise us immediately if you are a victim of fraud and cooperate with us in our investigation
At Desjardins, we take several measures to protect your personal information:
- We do not divulge any information about our members without their consent.
- Desjardins employees are not authorised to ask for your password or PIN.
- Never disclose any personal information over the phone, including debit card numbers, birthdates and social insurance numbers, except during the usual authentication procedure when you contact us.
- Desjardins does not solicit members for personal and confidential information by email or otherwise.
- If Desjardins suspects fraudelent use of your credit card, our fraud prevention team, which is equipped with an automated system, may call you to confirm the transactions on your account. No personal questions about your PIN, card number, etc. will be asked because Desjardins already has this information.
For more information, read the following sections:
- Security on Desjardins.com
- Privacy on Desjardins.com
- Terms of use of Desjardins.com
- Desjardins Group privacy policy regarding its members and clients
- Desjardins Group code of ethics and professional conduct (PDF) - This link will open in a new window
- See frequently asked questions about identity theft (FAQ)
Desjardins transaction sites optimized for mobile devices that require authentication are secure. They also offer the same security and protection as full sites, such as data encryption and security questions.
Desjardins mobile services users are protected by:
- A firewall and intrusion detection software
- Data encryption that protects the information sent on the Internet
- Internationally recognized security standards and practices
InstaBalance features
InstaBalance is available in our mobile app. Once you set it up, you won't have to log in again to use certain features and get information. This tool is also available on a compatible smartwatch connected to your mobile device. When setting up this tool, our mobile services users agree to protect their mobile devices and compatible smartwatches.
Smart phones and tablets: a goldmine of valuable information
Protect against unauthorized access to your personal information
- Password protect your device and be sure to avoid using obvious codes or birth dates
- Activate the auto-lock feature after a short period of inactivity (max: 5 minutes)
- Activate the remote wipe or GPS feature, if available
- In the event that you sell or repair your device, save your data and restore the device to its factory settings, making sure that your personal data is erased
Protect your mobile device
- Deactivate your wireless features, both Bluetooth and WiFi, if you don't use them
- Update your system and software
- Download applications only from recognized companies and organizations
The Guaranteed 100% Secure program
The Guaranteed 100% Secure program ensures that you are refunded money lost if you are a victim of fraud done online (on the Web or on your mobile device) or with your Desjardins Access Card, as long as you:
- Abide by the online services and the Desjardins Access Card terms of use
- Don't disclose your access codes, passwords or PINs to anyone and protect your personal computer equipment
- Advise us immediately if you are a victim of fraud and cooperate with us in our investigation
The Guaranteed 100% Secure program is offered at no charge to our individual and business members and clients.
Find out more
See:
As a Desjardins member or client, you may sometimes need to send confidential documents by email. Follow these steps to protect and share your information efficiently with your advisor.
Understand just how sensitive your information is
Your confidential information should be contained in a password protected document.
Choose a data encryption tool
Free software allows you to encrypt and password protect several files in one folder.
Make sure your documents are protected
Your password should contain at least 8 characters and include a combination of numbers and letters.
Give the password to your advisor over the phone
Avoid sharing your password by email to help prevent potential fraud.
Cover your bases
Protect yourself against the unauthorized use of your information by adding a confidentiality mention in your signature.
To master each one of these steps, read the "Tech-savvy" reminder for:
individual members - This link will open in a new window (PDF, 654 KB)
business members - This link will open in a new window (PDF, 357 KB)