We have answers to a variety of frequently asked questions.
If you’re a Desjardins member, you can view your Desjardins Online Brokerage in AccèsD and transfer funds between your accounts.
First go to This link will open in a new tab. www.desjardins.com and log in to AccèsD.
On the AccèsD overview page, click to expand the Savings and investments section. Then click Desjardins Securities/Disnat: View accounts.
Your online brokerage accounts will appear in the Savings and investments section. Your Desjardins Online Brokerage accounts will also appear when you click Transfers between accounts.
Then choose the “Transfer” option then “Transfers between accounts.” Select the caisse account “From” to the online brokerage account “To.” To contribute to your RRSP, select your RRSP online brokerage account.
Your funds should be visible in your account on Disnat.com within approximately 10 minutes.
If you are a client of another financial institution, you can add a new payee and choose “Desjardins Securities,” and enter your account number made up of 7 characters. You can then make your payment.
Your funds should be visible in your account on Disnat.com within approximately 48 hours.
On Disnat.com, go to “Transactions,” “Fund transfers” and select the type of transfer. You can contribute to your RRSP, TFSA and RESP accounts right from your non-registered online brokerage account.
Based on the type of request you submitted, it should take 24 hours for your transfer to be completed.
Are you having trouble transferring funds to your Desjardins Online Brokerage account? Did you know that your caisse can make e-transfers for you? Just ask them to make a transfer using the internal system SIPC.
Opening an RRSP
Use the This link will open in a new tab. interactive online form to open an RRSP account. It only takes 20 minutes. You’ll need a specimen cheque and an ID in electronic format (PDF or JPEG). If you’re transferring assets, have your online account statement (PDF or JPEG) of the assets you want to transfer in hand.
Please note that when you open an RRSP account, we’ll also open a non-registered account for your regular transactions.
Did you know? RRSP accounts in U.S. dollars are available at Desjardins Online Brokerage.
Table showing maximum annual contributions
Your annual RRSP contribution limit is 18% of the income your earned the previous year, up to a maximum of:
To find out your total contribution room, refer to your contribution notice which the Canada Revenue Agency (CRA) sends you every year.
Deadline to contribute to your RRSP for the 2018 taxation year
The deadline to contribute to your RRSP for the 2018 taxation year is March 1, 2019.
For more information about RRSPs, please go to the This link will open in a new tab. CRA website.
You need to use the AccèsD “Bill Payments” feature to make a spousal RRSP contribution.
Click the Add a bill tab
When information appears in the grey line, click the radio button at the beginning of the line , and then click OK .
In the "Reference no." box, enter your spouse's account number and add the letters CRERC at the end. Press "OK".
You’ll see the following message: Your bill has been added.
Open a TFSA
Use the This link will open in a new tab. interactive online form to open a TFSA. It only takes 20 minutes! You’ll need a void cheque and a scanned copy of your ID (in PDF or JPEG). If you’re transferring assets, make sure you have the online account statements (in PDF or JPEG) for the assets you want to transfer.
Please note that when you open a TFSA, we’ll also open a non-registered account for your regular transactions.
Did you know? U.S. dollar TFSAs are available at Desjardins Online Brokerage.
|Year||Annual limit||Cumulative limit|
For the maximum amounts in the table, we assume that the client was 18 years or older in 2009 and that they were eligible to contribute.
Contributing to your TFSA at the start of the year
Do you want start 2019 on a high note and contribute to your TFSA on January 1?
The first days of the year are generally very busy for our customer service since many clients want to tie up some loose ends during this period.
You can avoid the bustle by contributing to your TFSA online through your financial institution or on Disnat.com.
For information about how to contribute to your TFSA at Desjardins Online Brokerage, go to the How do I make a transfer to my Desjardins Online Brokerage account? section.
Converting an RRSP/LIRA to an RRIF/LIF the year you turn 71
If you have an RRSP or a LIRA and you turn 71 during the year, you should convert your plan to an RRIF (for an RRSP) or a LIF (for a LIRA) by opening a new account:
- You must transfer the entire amount of your portfolio by the end of the year.
- Attach a signed letter to your account opening application with instructions to transfer the entire amount of your portfolio to the new account.
- There’s no required minimum amount to withdraw the year you make the changes.
- For all subsequent years, you must withdraw a minimum amount from the RRIF or the LIF. You can choose to withdraw more, taking into account that there is an annual maximum for LIFs.
- Remember to include payment instructions in your RRIF/LIF account opening form to let us know when and how to send you the amount you’ve selected.
Consult the This link will open in a new tab. following page for the mandatory forms to complete to open a new RRIF or LIF account.
There’s a longer processing time for payments requested at the start of the year.
Due to a high volume of requests we get at the start of the year for new payment instructions and payment updates, it’ll take us longer (about 3 to 5 business days) to process your request the first 2 weeks of the year.
Example: If you request that your annual payment be made on January 1 to your cash account, the amount will be deposited to your account by or on January 8.
Keeping the same RRIF/LIF payment instructions as the previous year
Did you know? The payment instructions you gave us during the year will be automatically repeated the following years. So, if you want to keep the same instructions for the following year, there’s nothing you need to do.
However, if you want to modify your payment instructions, please complete and sign the form "Payment instructions for RRIF or LIF accounts", and send it by email to email@example.com or by mail to:
1170 rue Peel
Montréal (Québec) H3B 0A9
Please note that it may take 5 to 10 business days to process your request.
Do you have a security without a market value or a security with a market value, which, for some reasons, you have difficulty trading? Do you want to get rid of them so you don’t have to include them in your tax return for the current year?
Consult the table below and if one of the situations applies to you, you can ask to have a security withdrawn from your account by completing form VD1039 Authorization to remove a security. Please read the form carefully as it stipulates that once the transfer has been made, you may no longer claim ownership of the securities. You’re also responsible for consulting a tax advisor to find out if the transfer of securities to Desjardins Securities constitutes a disposition in accordance with the Income Tax Act.
If you have securities you want to sell in order to include them in your tax return for the current year, make sure to sell them by the deadline, taking into account the 2 settlement days. The deadline to sell your shares on the Canadian and U.S. markets for the 2018 taxation year is Thursday, December 27, 2018.
Every year, Desjardins Wealth Management and Desjardins Online Brokerage produce a tax information document to help you prepare your tax returns. It contains useful information to help you better understand your tax slips as you prepare to file your return.
This document is delivered along with your December account statement, which is produced in January.