With the goal of reducing the amounts
that could be fraudulently withdrawn
from your account, Desjardins has put
into place the following solutions:
• The total amount of allowed
withdrawals from other banking
institutions is set at $300 per day*. For
any addition withdrawals, you must go
to a Desjardins teller to confirm your
• The purchasing limit by direct
payment (including withdrawals) at
businesses is set at $1 000 per day*.
• At the time of certain transactions at
the Desjardins automatic telling
machine - withdrawal, deposit, transfer,
you must confirm your identity by
entering the day and the month of your
* These limits can be modified
according to your needs by a simple
call to your caisse at 986-2319, or
In the annual “My parents and I - what
a team!” contest for children in
elementary school participating in
the Desjardins School Caisse, luck
was with Jean-Nicolas Thorne, a pupil
at Saint-Pierre de La Vernière school.
He won a family vacation package
In the “Desjardins NaturLogic” contest for elementary school teachers, Marielle
Bourgeois, a teacher at the 5th and 6th-year levels, was chosen by the jury for
her project under the theme of “L'air réinventé” (air reinvented). Following a
visit to the class by Charles Cormier of the Sedna IV, the students produced a
DVD with information and awareness capsules about climate change, pollution
and greenhouse gases. A prize of $300 was paid by Desjardins toward a class
trip at the end of the
year. An additional
prize of $100 was
awarded to Mme
Bourgeois for her
involvement in helping
the students carry out
1278, chemin de La Vernière
248, chemin Principal
214, Route 199
Île du Havre-Aubert
142, Route 199
Volume 2, no 2, August 2007
More than just an
A WORD FROM THE DIRECTOR
Over the last few weeks, your Caisse populaire has created a
new document entitled, RECUEIL D'INFORMATIONS POUR
ÉTUDIANTS ET JEUNES TRAVAILLEURS (information for
students and young workers).
This little booklet was born in response to a focus-group held
last December with our youth clientele, together with the
meeting organized by the Caisse's youth committee for
students at the Cégep-campus des Îles. Inside this little
collection, you'll find a summary of information about various
products and services offered by the Caisses populaires. This
document is now available at all Caisses in the Islands.
Soon a number of youth will be leaving the Islands to continue
their studies at places beyond. The managers and staff of the
Caisse join me in wishing you success in your plans for further
education, an important step forward in
anyone's life. Your Caisse populaire will
always be ready to listen to your needs,
and you'll find it easy to reach your Caisse
advisor through our Internet site,
For young customers, the goal of Caisse
populaire Desjardins des Ramées is to be your
PARTNER OF CHOICE.
Good reading, and have a great summer.
Michel Nadeau, Director General
Published by the Caisse Desjardins des Ramées and delivered free to all homes located on the territory of the Caisse.
The following transactions are free of charge at all times
• Deposits and direct deposits
• Account balances (inclucing VISA Desjardins) at
Desjardins ATMs, via AccèsD telephone and
Internet, or accompanying a transaction with a
• Passbook updates
• Paper account statement
(monthly without cheques returned)
• Virtual account statement and recorded statement
of recent transactions
• Transaction summaries at Desjardins ATMs, and via
AccèsD (telephone and Internet)
• Line-of-credit payments
• Automatic transfer of funds between accounts in a
* Charges apply by telephone or with a teller if no transaction is
How can I reduce my service charges?
Visit our website at www.desjardins.com/simulators
and try the "How to Reduce Your Service Charges"
simulator to find out how to save on service charges
and to choose the plan that suits you best.
LINE OF CREDIT INSURANCE
LENDS YOU A HAND
Dany Cormier of Cap-aux-Meules got a wonderful surprise at Caisse populaire
Desjardins des Ramées, where he had signed up for Line of Credit Insurance, a
complete protection customized for borrowers. Dany Cormier won a prize of
$1000 under the promotion "L'Assurance marge de crédit vous donne un coup de
pouce", organized in 2006 by Desjardins Financial Security Life Assurance
Company in collaboration with participating Caisses of the Fédération des
caisses Desjardins du Québec.
In the photo, Dany
Cormier is receiving his
check from the hands of
Caisse Director General
Michel Nadeau and
Member Services Advisor
Mme France Petitpas.
Changes to user fees
(For individual members)
WHY IS IT NECESSARY
TO BLOCK FUNDS ?
The application of a service charge policy for services
allows your caisse to offer you a full range of quality
services. These service charges represent a contribution
from members that is both reasonable and equitable to
ensure the profitability of the cooperative in relation to
the number and variety of services used by each
member. This document contains all of the information
you will need concerning the changes to be applied to
the fees for caisse services charged to individual
members, and will become effective on July 1, 2007.
Please note that no changes will be made to the
various fixed-rate monthly plans.
A charge of $0.60* per unit (previously $0.55 per unit)
will be applied to each of the following automated
transactions: withdrawal, payment of a bill registered in
the bill file, transfer of funds (at an ATM or via AccèsD
Telephone and Internet), direct payment, direct
withdrawal (preauthorized payment) and automatic
transfer between the accounts of different folios at the
same or different caisses.
* These charges are applied to the following accounts: Personal Chequing
Accounts, Build-Up Savings Accounts and Regular Savings Accounts.
Members who pay a fixed monthly service charge for a specific plan will
pay these increased charges only for the services used that exceed the
basic number included in the plan.
Payment of bills at the counter and through the
Desjardins Automated Teller Machines
Service charges of $2.25 (previously $1.50) will be
applied to the payment of bills at the counter of a caisse
and for the payment of bills (not registered in a bill file)
by envelope at an ATM for Personal Chequing, Build-Up
Savings and Regular Savings Accounts. A fee of $2.50
(previously $1.75) will be charged for these same
operations in a High Yield Account.
Stop payment order
A fee of $12.00 (previously $10.00) will apply for a stop
payment order filed against a cheque or preauthorized
Cheque retained for future cashing
A charge of $5.00 (previously $3.00) will be made for a
cheque that is retained at the caisse for future cashing
at the member's request.
Non-personalized cheques for «emergency» use
A fee of $0.50 per item (previously $0.25) will be
charged for each non-personalized cheque issued at the
NSF cheque or item
A charge of $37.50 (previously $25.00 upon
presentation of the item plus $10.00 if returned to
payee) will be applied if the member's account does
not contain sufficient funds to cover a cheque or
Safety deposit box
A minimum fee of $100.00 will be charged in the case
where the member loses both keys to his safety deposit
box or if the caisse is obligated, for legal reasons, to
open the safety deposit box. The basis of the calculation
remains as before, i.e. $45.00 plus out-of-pocket
expenses, but the total amount charged must in no case
be less than $100.00. These charges are subject to the
GST and PST.
For more information, you are invited to consult the
Reference Guide - Fees and frequently used services for
individual members, available at your caisse, or visit
Are you looking to reduce the service
charges you are paying to make
transactions? Try one of our fixedrate
monthly plans. We created them to
simplify your life and save you money. To
learn more about these plans, simply
contact the personnel at your caisse.
Together, you will be able to evaluate
your situation and identify the plan that
best fits your budget and situation.
This is a normal precaution taken by all financial institutions in order to
protect themselves against cheques that may be returned. Blocking
funds is also a measure to prevent frauds.
At Desjardins, funds are blocked for five to seven business days if you
cash and/or deposit a cheque at the counter or ATM.
For cheques from other provinces or countries the hold period is longer.
The procedure applies to any cheque, personal or otherwise, as w