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Service fees

We feel strongly about providing you with financial services tailored to your needs at a fair price. Here's a breakdown of our fees for 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've exceeded the number of transactions included in your plan
  • You use services that aren't included in your plan

Fees for regular transactions

Deposits and line of credit payments are free when you have an account with us. Account balance information, online account statements and transaction summaries are also always available at no charge.

 Fees for regular transactions – Transaction
TransactionEveryday Transaction Account or Regular Savings Account1
AccèsD – Transfer or payment of a bill registered in your file2$1.25
Direct payment with Desjardins Access Card or mobile payment (Canada, United States)$1.25
Pre-authorized payment$1.253
Direct deposit or automatic transfer between accounts in the same folioFree
Automatic transfer between accounts in different folios$1.25
Cheque$1.253
 Fees for regular transactions – Teller transaction
Teller transactionEveryday Transaction Account or Regular Savings Account1
Cheque cashing, withdrawal or transfer$1.253
Bill payment$2.253

Good to know

In Quebec, you don't pay a fee to cash cheques or other orders to pay issued by the federal or provincial government or by a Quebec municipality.

ATM fees

Take advantage of our extensive network of ATMs in Quebec to make deposits free of charge. Line of credit payments, account balance information and transaction summaries are also free.

What's more, you get free access to a network of approximately 1,800 AccuLink® ATMs across Canada.

Note that additional fees may apply when you use non-Desjardins ATMs.

 ATM fees – ATM transaction
ATM transactionEveryday Transaction Account or Regular Savings Account1
Withdrawal, payment of a bill registered in your file or transfer$1.25

 

 ATM fees – Additional network access fees in Canada
Additional network access fees in CanadaEveryday Transaction Account or Regular Savings Account1
Interac®, 4$1.50
AccuLinkFree
 ATM fees – Additional fees to access the PLUS network internationally
Additional fees to access the PLUS*, 4  network internationallyEveryday Transaction Account or Regular Savings Account1
Desjardins BankFree
Crédit MutuelFree
North America$3.00
Elsewhere in the world$5.00

Understanding ATM fees

There are 3 types of ATM fees: user fees, network access fees and convenience fees (surcharges). Here's some useful information to help you better understand your transaction record or account statement when you complete a transaction at an ATM.

User fees

If you don't have a transaction plan or if you exceed the number of transactions included in your plan, you pay fees for:

  • Withdrawals
  • Transfers
  • Bill payments

Network access and convenience fees are added if you withdraw money from an ATM that isn't part of our network or the network of one of our partners (AccuLink, Desjardins Bank or Crédit Mutuel).

Network access fees

These fees are added when you use an Interac network ATM in Canada or PLUS network ATM internationally.

They are shown separately from the user fee on another line in your transaction records and monthly account statements.

Convenience fees (surcharges)

Other financial institutions and non-bank ATM operators may charge a convenience fee when you use their ATM.

These fees are then added to the amount of the withdrawal and paid directly to the ATM operator.

Good to know

Withdrawals at a Desjardins Bank ATM in Florida or a Crédit Mutuel ATM in France are included in your transaction plan. Keep that in mind on your next trip to one of these destinations!

Account maintenance fees

Monthly online statementCost
All account typesFree
Monthly paper statementCost
For an everyday account with a Basic transaction plan, including linked regular savings accounts5Free
For an everyday account with or without a transaction plan (Intermediate, Unlimited or Unlimited Plus), including linked regular savings accounts5$2.25 per month

Fees for additional services

 Fees for additional services – Cheques
ChequesCost
Order of personalized cheques6Supplier's price
Cashing traveller's chequesFree
Cheque certified at signatory's request$15.00
Cheque certified at payee's request$20.00
 Fees for additional services – Cheque imaging
Cheque imagingCost
Monthly account statements (online or paper) with online cheque images$2.00
 Fees for additional services – Closing an account
Closing an accountCost
Upon request from another institution$20.00
Less than 90 days after opening$20.00
 Fees for additional services – Debit Card
Desjardins Debit CardCost
Additional Debit Card$5.00
 Fees for additional services – Draft or money order (all currencies)
Draft or money order (all currencies)Cost
Issue of a draft$9.50
Reimbursement and photocopy of a draft or money orderBetween $10.00 and $50.00
 Fees for additional services – Inactive folio
Inactive folioCost
In Quebec – after 1 year$15.00
In Quebec – after 2 years$30.00
In Quebec – after 3 years$50.00
In Ontario – after 2 years$15.00
In Ontario – after 5 years$30.00
In Ontario – after 9 years$50.00
 Fees for additional services – Insufficient funds
Insufficient fundsCost
Cheque or pre-authorized payment without funds ("Returned cheque charges")$45.00
Overdraft7 – manual transfer by the caisse$5.00
Overdraft7 – annual interest rate (calculated daily) on advanced amounts21%
Overdraft protection8, 9 (on eligible credit card)Free
 Fees for additional services – Opening and/or processing an estate file
Opening and/or processing an estate file Cost
Without a registered savings plan$50.00
With a registered savings plan (RRSP, RESP, RDSP, PRPP, RRIF, LIRA, TFSA, FHSA)$100.00
 Fees for additional services – Other administrative services
Other administrative servicesCost
Written confirmation or information on balances, fees, interest, transactions or other operations$35.00 per hour
Any other administrative task requested by a member or a third party$35.00 per hour (min. $17.50)
 Fees for additional services – Payment cancellation
Payment cancellationCost
Cancelling an Interac e-Transfer®, 10$3.50
Cancelling a bill payment$5.00
 Fees for additional services – Registered plan
Registered plan Cost
Total or partial withdrawal (RRSP, LIRA, FHSA)Free
Preauthorized transfer (RRIF, LIF)Free
Transfer to a financial institution other than Desjardins (TFSA, RRSP, FHSA, RRIF, LIRA, LIF)$100.006
 Fees for additional services – Safety deposit box
Safety deposit box (annual rental)6Cost
Basic$60.00
Small$90.00
Medium$135.00
Large$215.00
Extra large$300.00
 Fees for additional services – Search
SearchCost
Cheque or other document search at member's requestFree
Cheque or other document search requested by a third party$5.00 per document
 Fees for additional services – Stop payment
Stop paymentCost
With complete information (date, amount and name of payee) – online$12.00
With complete information (date, amount and name of payee) – at the teller counter$13.00
With partial information$20.00
For a series of cheques or pre-authorized payments$20.00

Fees for international and foreign currency transactions

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

For foreign ATM fees, see the Additional fees to access the PLUS network internationally table.

 Fees for international and foreign currency transactions – Purchase and sale of foreign currencies
Purchase and sale of foreign currenciesCost
US currencyFree
Other foreign currency$3.50
 Fees for international and foreign currency transactions – Cashing or deposit of cheques, drafts or money orders in a Canadian dollar account
Cashing or deposit of cheques, drafts or money orders in a Canadian dollar accountCost
US currency$2.50 per deposit or cashing
Other foreign currency$12.00 per deposit or cashing11
 Fees for international and foreign currency transactions – Sending a funds transfer
Sending a funds transfer12Cost
Within CanadaBetween $2.00 and $15.00
To Desjardins BankUp to $7.50
Outside CanadaBetween $4.00 and $15.00
 Fees for international and foreign currency transactions – Receiving a funds transfer
Receiving a funds transfer12Cost
Desjardins BankFree
Another institution – under $50.00Free
Another institution – over $50.0013$15.00
 Fees for international and foreign currency transactions – Cheques
ChequesCost
Issuance of a US dollar cheque on a Canadian dollar account$17.00

6 ways to pay less in service fees

  • Choose a transaction plan that suits your needs and stay within the transaction limit and minimum monthly balance.
  • Avoid fees from other financial institutions by using our ATMs14 whenever possible.
  • Make it easier to track your finances by signing up for Desjardins notifications and email alerts on AccèsD.
  • Pay off your credit card in one monthly payment instead of several, each of which counts as a separate transaction.
  • Save on cheques by sending funds by Interac e-Transfer and Desjardins money transfer on AccèsD.
  • Change from paper to online statement and reduce both paper consumption and service fees.

FAQ

Am I charged for all my transactions?

No, not all transactions carry a fee. The following transactions and services are always free, even if you don't have a transaction plan:

  • Deposits (including direct and mobile deposits)
  • Account balance information
  • Online account statements
  • Recorded statements of recent transactions by AccèsD Telephone
  • Transaction summaries at Desjardins ATMs and on AccèsD
  • Line of credit payments
  • Automatic transfers between accounts in a single folio

Do I have to pay other service fees in addition to the monthly fee for my plan?

As long as you keep to the number and type of transactions included in your plan, you won't have any other fees to pay for your regular transactions.

Transactions that exceed the maximum allowed under your plan or that are not included in your plan are charged at the per-transaction rate. The same goes for additional services and foreign currency fees, among others.

Remember that additional fees apply to withdrawals made at non-Desjardins ATMs.4

When are service fees charged?

Service fees are charged at different times depending on their type.

  • Plan fee and excess transaction fees: end of month
  • Account maintenance fees: beginning of month
  • Other fees: at the time of the transaction

What is AccuLink?

AccuLink is an ATM network owned by the Canadian Credit Union Association External link. , of which we are a part. It has approximately 1,800 ATMs across Canada.

As a member, you can use your Desjardins Access Card to make free withdrawals at AccuLink ATMs.

See more questions about accounts and services
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.Cheque and pre-authorized payment transactions cannot be completed in a Regular Savings Account.Interace-Transfers and Desjardins money transfers aren't available via the AccèsD Telephone service. Transaction fees also apply to the USD Build-Up Savings Account.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.Non-registered Regular Savings Accounts only.These charges are subject to theGST andQST (Quebec) orHST (Ontario).An overdraft is when your account is overdrawn, meaning that a cheque or pre-authorized payment was made when there were insufficient funds available. In this case, the caisse may, at its discretion, advance you the sum necessary to complete the transaction.Interest charges on cash advances start on the day of the transfers. Your credit card's interest rate applies to cash advances used for overdraft transfers.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 theOverdraft transfers page.You'll be charged a cancellation fee if you cancel anInterac e-Transfer® that you've sent. No fees apply if yourInterac e-Transfer® expires or is refused by the recipient.Fees of $12.00 apply when depositing or cashing more than 1 item (cheque, money order or draft) if these items are in the same currency from the same country.Some correspondent banks may impose fees or additional charges, which will be deducted from the amount transferred.Applicable fees are calculated on the transferred amount received, or, as the case may be, on the amount in Canadian dollars resulting from the conversion of foreign currency. The conversion rate usually corresponds to the Desjardins rate at the time funds are received.Except Sundays from 2 AM to 6 AM.