Desjardins Everyday Account with Basic plan

Overview

The Basic plan includes 12 monthly regular transactions shared across supported online, debit-card, ATM, teller, and cheque activity. Its normal monthly fee is $3.95 and is waived when at least $1,500 remains in the account throughout the month.

Sending Interac e-Transfers is free while the account remains within the shared transaction allowance. Incoming transfers and deposits are free. Cheque writing and deposits are independently supported, and cheque orders cost extra.

Features and access

Monthly fees and transactions

Monthly fee: $3.95The normal monthly plan fee is $3.95. It is waived when at least $1,500 is maintained throughout the month.
Monthly transactions: 12Twelve regular transactions are included monthly across supported online, card, ATM, teller, and cheque activity. Excess and excluded services cost extra.

Transfers

Monthly Interac e-Transfers: 12Sending is free while within the shared 12-transaction allowance; it is not a separate transfer allowance. Receiving is free, and limits apply.

Card and payments

Payment card: YesA first Desjardins Debit Card is available free on request. Supported purchases consume the shared allowance; card limits apply.

Cash and branch access

Cash deposits: Desjardins ATMs + tellersPhysical-cash deposits at Desjardins ATMs and teller counters are free. The documented deposit-capable ATM network is in Quebec; a universal limit was not established.
Cash withdrawals: Desjardins + partner ATMsWithdrawals are available at Desjardins ATMs and tellers, AccuLink in Canada, and Interac and PLUS ATMs. Supported withdrawals consume the shared allowance; network and operator fees can apply.
Branch access: YesCaisse teller access is supported. Teller withdrawals and transfers can consume the allowance; teller bill payments and other services can cost extra, while deposits are free.

Cheques and ownership

Cheque writing: YesWritten cheques consume the shared 12-transaction allowance; personalized cheque orders cost the supplier's price.
Cheque deposits: YesCheques can be deposited at a teller counter, at an ATM, or through the Desjardins mobile app.
Joint account: YesA joint Everyday Account can be opened by phone or in person, but not online.

Interest

Interest rate: NoneDesjardins identifies interest on the Everyday Transaction Account as not applicable.

Deposit protection

Eligible deposits are protected under the applicable provincial framework, including AMF protection for authorized Quebec caisses and FSRA protection for Caisse Desjardins Ontario, subject to each program's limits and categories.