Choose your settings
Choose your language

Desjardins Business Debit Card

Use your debit card for seamless in-store purchases and ATM transactions.

How to use your debit card

Your Desjardins Business Debit Card works just like your personal debit card. You can get one for free upon request. When you receive your first debit card, call us at 1-888-233-2473 Phone number of business customer service for Canada and the US. This link opens your phone app. or go to a caisse or branch to activate it.

To pay for purchases, insert your card in the terminal and enter your PIN or use one of these other payment methods:

Contactless payments

Tap your card to make purchases of up to $250 quickly and easily wherever Interac Debit® contactless payments  External link. is available. 

Cash payments

Use your debit card to withdraw or deposit money at an ATM or the teller counter.

Deposit-only Desjardins Business Debit Card

You can get deposit-only debit cards for your business. They can't be used to make other transactions. You can issue these cards to others to allow them to make deposits without giving them access to sensitive account information.

Choose a plan that works for you

When you open a chequing account with us, you can choose a transaction plan. Each plan includes a certain number of transactions per month, including debit card transactions. Compare our plans to make sure you have the one that best meets your needs.

Direct payment and ATM withdrawal limits

Daily limits on direct payments using the chip or contactless payment may be different from those for ATM withdrawals. There are 2 different types of daily limits:

  • A permanent limit is the maximum amount per day you can use to make purchases, purchases with cash withdrawal or standard ATM withdrawals.
  • A temporary limit is the maximum amount per day you can use for a limited period of 1 to 5 days to cover upcoming purchases, purchases with cash withdrawal or ATM withdrawals that exceed your permanent limit.

If the ATM or merchant payment terminal has its own limit that's lower than the transaction limit on your account, the lower limit will be applied.

View or modify your daily limits

Personalize your daily limit for debit card purchases and ATM withdrawals to better meet your needs. You can view your limits and increase your temporary limit on AccèsD Affaires.

View your limits

  1. Choose the account.
  2. Select Information.
  3. Select ATM withdrawal limit or Direct payment limit.

Change your temporary limit

  1. Choose the account.
  2. Select Information.
  3. Under Daily limits, select ATM withdrawal limit or Direct payment limit.
  4. Under Temporary limit, select Enable.
  5. Fill in the fields and select Continue.
  6. Read the terms of use, then select Accept. You'll get a confirmation message.

If the feature is unavailable, if you need assistance or if you want to change your permanent limit,
call us at 1-888-233-2473  Phone number of business customer service for Canada and the US. This link opens your phone app.).

Direct payment limits for chip or contactless payments

 Interac Debit direct payment limit using the chip
Interac Debit direct payment limit using the chip Amount
Limit per transaction Your default or personalized limit
Default permanent daily limit $5,000.00 1
Personalized daily limit Between $0 and your available account balance 2
 Interac Debit contactless payment limit
Interac Debit contactless payment limit Amount
Limit per transaction $250.00
Default permanent daily limit $5,000.00 1
Personalized daily limit Between $0 and your available account balance 2

Good to know

Once you reach $400 in contactless transactions, you'll need to insert your card in the terminal and enter your PIN. This is to increase the security of your card.

ATM withdrawal limits

You can use your debit card to make withdrawals at ATMs within Canada and abroad. For information on ATM fees, see our fees for businesses.

 Within Canada – Desjardins or Interac network ATMs
Within Canada – Desjardins or Interac network ATMs Amount
Limit per transaction $1,000.00
Default permanent daily limit $1,000.00 3
Personalized daily limit Between $0 and $2,500.00
 Within Canada – AccuLink® network
Within Canada – AccuLink® network Amount
Limit per transaction $300.00
Default permanent daily limit 1.000.00 3
Personalized daily limit Between $0 and $2,500.00
 International – PLUS* network
International – PLUS* network Amount
Limit per transaction $500.00
Default permanent daily limit $1,000.00 3
Personalized daily limit Between $0 and $2,500.00

7 tips to protect your Desjardins Business Debit Card

The electronic chip, transaction limits and PIN are measures that make your debit card transactions more secure. You can also help protect your account by following a few simple rules.

  • Never lend your card or give your PIN to anyone.
  • Memorize your PIN. Don't write it down anywhere—especially on your card.
  • Always keep your eye on your card during transactions.
  • Hide the keypad from view when entering your PIN.
  • Don't enter your PIN a second time without first checking that the previous transaction was cancelled.
  • At the end of the transaction, take your card and get a transaction receipt.
  • Beware of phone scams

Lost or stolen card

Fraud protection

Terms of use

FAQ

I left my debit card in an ATM. What should I do?

If you forget your debit card at an ATM, call us at 1-888-233-2473 Phone number of business customer service for Canada and the US. This link opens your phone app. For security reasons and to protect your account, we may have to destroy your card and send you a new one.

I entered my PIN incorrectly 3 times, and now my card is blocked. What should I do?

For security reasons, your debit card will be blocked if you enter your PIN incorrectly 3 times in a row. To reactivate your card, you'll need to go to any Desjardins caisse or branch with 2 pieces of valid ID, including at least 1 signed photo ID. If you can't come to us, call us at 1-888-233-2473 and we'll replace your card remotely. Phone number of business customer service for Canada and the US. This link opens your phone appand we'll replace your card remotely.

How do I change my debit card PIN?

You can change your PIN 24/7 at any of our ATMs by following these steps:

  1. From the main menu, select Balance, statement, PIN change or repayment.
  2. Select PIN change.
  3. Follow the instructions.

You can also change your PIN at a caisse or branch. Alternatively, you can call us at 1-888-233-2473 Phone number of business customer service for Canada and the US. This link opens your phone app. to replace your card and get a new PIN by mail.

Can I use my debit card when I travel outside Canada?

Yes, you can use your debit card when travelling abroad.

Look for PLUS* network ATMs. The PLUS network is like Canada's Interac network. It accepts PINs of 4 to 13 characters. Enter your 5-digit PIN as usual.

For more information about international ATM fees, see our fees for businesses.

In the United States, you can also withdraw money from ATMs in the NYCE® network. Direct payment is also accepted at more than 2 million businesses affiliated with NYCE.

You should always plan an alternative way to get local currency while you're travelling. Contact your caisse or branch to find out about available currencies before you travel.

Interac ® and Interac e-Transfer ® are registered trademarks of Interac Corp. Used under licence. * Trademark of Visa International Service Association and used under licence. AccuLink ® is a registered trademark owned by the Canadian Credit Union Association (CCUA), used under licence. This limit may be lower in some cases. For questions, contact your advisor. Up to a maximum of $99,998.00. Or the limit of the ATM used, whichever is lower.