Financial institution for Genium360 members
Did you know that as a Genium360 member, you're eligible for financial services tailored to your personal and professional needs? Join the many Genium360 members who have already taken advantage of this exclusive offer!
For only $125 per year, you can get the Exclusive offer1, which includes:
Main account (for your personal needs)
The unlimited transactions plan is applicable to all transactions using any access method - teller, automated services[ 2 ]note, cheques. It includes:
- Cheque certification (unlimited)
- Interac e-Transfers®note (unlimited)
- Drafts (unlimited)
- Basic safety deposit box [ 3 ]note
- Return of online cheque images (offer valid only with monthly account statements only)
Additional account
You can choose between one Canadian dollar account or one US dollar account.
Canadian dollar account
- Includes: unlimited transactions, whether on AccèsD (including Interac e-Transfers®note), with the Desjardins debit card, by cheque, at an ATM or at a caisse or branch
- Excludes: cheque certification, drafts, safety deposit boxes and online cheque image return
US dollar account
- Includes: unlimited transactions, whether on AccèsD, with the Desjardins debit card, by cheque or at a caisse or branch
- Excludes: Interac e-Transfers®note, cheque certification, drafts, safety deposit boxes and online cheque image return
A prestige credit card with a full* or partial** reimbursement of the annual fee depending on the card chosen4
- World Elite Mastercard Cash Back*
- Odyssey Gold Visa*
- Odyssey World Elite Mastercard*
- Odyssey Visa Infinite Privilege** (offered with an additional fee of $150 to holders of the Exclusive offer instead of $295 for Desjardins members)
A reduced rate on the personal line of credit at Prime Rate5 + 0%
A reduced rate on the Atout line of credit (mortgage line of credit) at Prime Rate5 + 0% for minimum financing of $100,000. This line of credit is secured by a first-ranking real estate mortgage.
1 The Exclusive offer is available upon request and may be modified or withdrawn at any time, without notice. Any new benefit of the offer is applied upon request. Certain conditions apply.
2 All accounts in the $125 per year transactional package must be held at the same caisse.
3 For withdrawals made at ATMs other than Desjardins ATMs affiliated with the Interac† and Plus* networks, fees of $1.50, $3.00 or $5.00 may apply in addition. In addition, some ATM operators charge additional fees for using their ATMs. They must notify users of this by means of an on-screen message before processing the transaction. The user then has the option to cancel the transaction. These fees are added to the withdrawal amount and are paid directly to the ATM operator. For more information, see the Service Fees Guide available at the caisse or at desjardins.com/service-fees.
4 The cardholder has 21 days to pay the total balance shown on the monthly statement from the date of issue of the statement. If the full balance is paid within this period, there will be no credit charges on it, except on cash advances. The minimum payment is made up of 5% of the total: the balance shown on the statement for the previous period, credit charges relating to purchases and monthly payments unpaid at the end of this period, current purchases and cash advances for the period covered by the statement, and credit charges on cash advances, to which is added any other amount provided for in the credit card agreement. Examples of applicable credit charges for a 30-day billing cycle, at a current annual interest rate of 20.9%: $1.72 for an average daily balance of $100, $8.59 for an average daily balance of $500, $17.18 for an average daily balance of $1,000.Examples of applicable credit charges for a 30-day billing cycle, at a current annual interest rate of 21.9%: $1.80 for an average daily balance of $100, $9.00 for an average daily balance of $500, $18.00 for an average daily balance of $1,000. Examples of applicable credit charges for a 30-day billing cycle, at a current annual interest rate of 11.9%: $0.98 for an average daily balance of $100, $4.89 for an average daily balance of $500, $9.78 for an average daily balance of $1,000. Examples of applicable credit charges for a 30-day billing cycle, at a current annual interest rate of 12.9%: $1.06 for an average daily balance of $100, $5.30 for an average daily balance of $500, $10.60 for an average daily balance of $1,000.
5 The prime rate means the variable annual interest rate that the Fédération des caisses Desjardins du Québec establishes publicly from time to time and from which it determines the interest rate on its loans granted in Canada in Canadian dollars.
