Desjardins Suspends Credit Card Services From October 12 to 20

Customers of Desjardins in Canada will temporarily lose access to several credit card management services from October 12 through October 20, 2026, as the financial cooperative migrates to a new account management system. According to Desjardins and reports by La Presse, Radio-Canada and Le Devoir, purchases, payments and routine transactions will continue, but certain account changes and reward redemption options will be unavailable.

During the maintenance period, cardholders cannot request credit limit increases, change their personal identification numbers (PINs), update their addresses or exchange Bonidollars rewards. Selecting a PIN when activating a new card, replacing defective cards and adjusting certain rewards will also be temporarily unavailable, according to Le Devoir. Customers can still suspend or replace lost or stolen cards by phone.

Desjardins recommends completing important account changes before October 12. Customers anticipating a move or needing additional credit should make those arrangements in advance, while fraud detection and prevention systems will remain active throughout the transition.

The financial cooperative is migrating its credit card management operations to a new system supplied by US technology company Fiserv. Desjardins says the upgrade is intended to prevent its existing system from becoming obsolete and maintain long-term performance, while creating opportunities to introduce additional digital services.

Desjardins explained the rationale for the upgrade on its website.

"We must modernize our system to continue developing our offerings, but also to prevent obsolescence and ensure long-term performance," Desjardins said.

The transition will also affect the accuracy of online balance displays. Beginning October 19, balances shown in real time on digital platforms may not include every recent transaction, with normal reporting expected to resume in the following days, according to La Presse.

Desjardins advises customers to consult their monthly account statements for the amount due, payment deadlines and transactions awaiting payment. Those statements remain downloadable through its digital platforms.

The cooperative has also issued a warning about potential fraud during the modernization process. Desjardins said its representatives will not contact cardholders to request personal information related to the system upgrade.

Once the new system is operational, Desjardins plans to introduce several digital features gradually. Customers will be able to add newly activated or replacement cards to digital wallets before receiving the physical cards by mail, and dispute transactions online without calling customer service.

The Bonidollars rewards system will also receive improvements, including real-time balance displays and the ability to apply rewards to multiple purchases in a single transaction. Credit card applicants will gain access to a more detailed status dashboard through AccesD, including notifications when further action is needed, immediate alerts when applications fail because of a credit bureau freeze, and access to rejection reasons when available.

Other planned changes include a simplified account statement layout and the relocation of Accord D financing information to the Cards, Loans and Lines of Credit section of AccesD.

Existing joint cardholders will retain their current account arrangements and remain equally responsible for the outstanding balance. However, Desjardins will suspend the creation of new jointly held credit cards starting October 12. The cooperative intends to restore that option as soon as possible; in the meantime, customers can open a credit card account and add an authorized user, who will not have the same account management rights as the primary cardholder.