General practitioners
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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.
Comprehensive transaction plan: $125 per year
To take advantage of the plan at $125 a year, you must have an eligible credit card.
Primary 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.
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 Personal and Strategic Investor Line of Credit: prime rate
- the Versatile Line of Credit: prime rate
- Student Strategic line of credit: Up to $150,000 at 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 the reduced variable rate mortgages
For new financing:
Cash damming technique - Another way to save on taxes
- No analysis, management or revision fees applicable to the cash damming technique
- Compliance with Canadian tax laws
Guaranteed fixed-rate investments - Savings without risk
Exclusive access to current rates for investments of $100,000 or more, as well as for investments of less than $100,000. Available only on regular term savings and diversified term savings offered at the caisse.
If you prefer to manage your savings yourself, you can enjoy the following perks:
- No administrative fees for the first year when opening a registered account
- Reimbursement of up to $150 in transfer fees for portfolios of over $15,000
- The same benefits for your partner if they're a member of the same caisse
Cannot be combined with any other promotion.
Desjardins Securities - To invest in the stock market with our support
Diversify your portfolio while saving.
Chorus II Portfolios - Investing with distinction
Sophisticated investment solution focused on optimizing the risk-return ratio.
- Management fees decrease as your asset value increases. See your representative for details.
- Usually only available to clients with initial investments of at least $100,000. However, no minimum amount is required.
New offer for healthcare occupations
Simplify the management of your clinic
- New exclusive offer for dentists, veterinarians, general practitioners and specialists
- Support from experts specialized in the healthcare sector
- Prime rate
This offer for general practitioners includes:
- Guidance from expert advisors who specialize in healthcare
- A competitive interest rate for all financing
- Up to 100% financing for buying equipment, improving facilities or increasing traffic (certain conditions apply)
Exclusive offer for general practitioners with Global Payments
- $300 off account setup fees
- Up to $75 off when you buy 2 or more types of products
- Up to $150 off per terminal when you buy 2 or more terminals
- Free access to the Merchant Portal and to Global Payments Analytics
See the terms and conditions (PDF, 59 KB) - This link will open in a new window
Get financing up to $100,000
Finance your business expenses with the Business Freedom Solutions package and enjoy 3 financing products tailored to your needs.
Improve your employees' well-being
We have exactly what you need to take care of your employees.
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 licence.
® Odyssey and BONUSDOLLARS are registered trademarks of 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.
- Except Visa Desjardins cards.
- 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.
- 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.
- 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).
- No annual administration fees if the market value of the registered retirement savings plan or the locked-in retirement account is superior to $15,000 or if the value of the registered retirement income fund or life income fund is superior to $25,000.
- Desjardins Securities Inc. is a member of the Canadian Investment Regulatory Organization (CIRO) and the Canadian Investor Protection Fund (CIPF).
- Applicable to transfers of $50,000 and over only. The minimum account balance after transfers must be $100,000.
- Desjardins Funds are not guaranteed, their value fluctuates frequently and their past performance is not indicative of their future returns. Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the prospectus before investing. Desjardins Funds are offered by such registered dealers as the Desjardins Financial Services Firm, a mutual fund dealer belonging to the Desjardins Group that distributes the Funds in caisses throughout Québec and Ontario, as well as through the Centre financier Desjardins.
- 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).
- Product of Desjardins Financial Security Life Insurance Company.
- Underwritten by Desjardins Financial Security.
- Employees of Desjardins Financial Security, Financial Services Firm.
- Certain conditions apply. For details, see your Desjardins advisor.