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| AccèsD Affaires User Guide |
| Alternative Guaranteed Investment |
| Business |
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| Supplier accounts management |
| Direct deposit |
| Card solutions |
| Funds transfers |
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| Terminal hub |
| Investment |
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| Card services |
| La Populaire Card |
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Desjardins Business Access Card |
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| Purch@sing Card customized diagnostic |
| FAQ |
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| Advantages |
| Has this product caught your attention? |
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| FAQ |
| accord D Business FINANCING |
| Optional services |
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| VISA Desjardins Business Freedom Solutions |
| Advantages |
| Has this product caught your attention? |
| How to apply, request changes and make transactions |
| accord D Business FINANCING |
| Payment options |
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| VISA Desjardins Business Freedom Solutions Line of Credit |
| Authorized payment |
| Basic services |
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| Desjardins Payment Services |
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| Procedures in case of outage |
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| AccèsD Affaires |
| Concrete advantages |
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| Cheque imaging - FAQ |
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| Procedure to update Safari |
| Downloading instructions for Adobe Reader |
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| Are you EXPORT Able? |
| Check out your US or foreign buyer before you export |
| Monitor economic and political trends in foreign markets |
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| Funds transfers |
| Caisses |
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| Social Responsibility Report: growing together with communities |
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| Sponsorships |
| How to contact us |
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| Golf Acadie Challenge |
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| How to contact us |
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| Fondation des caisses populaires acadiennes |
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| 2005 Scholarships |
| Registration Form |
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| General information – Scholarships |
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| L'Acadie s'endort |
| Le charme naturel de la rivière Pokemouche |
| Le nouveau-né |
| L'eau, une richesse pour la péninsule |
| L'or de l'Acadie |
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| Plus haut |
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| 50th anniversary collection |
| Les oeuvres |
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| Fondation de l'Acadie (1604-1605) |
| Isaac de Razilly - une relance de l'Acadie (1632) |
| La Déportation des Acadiens (1755) |
| La loi sur les langues officielles du N.-B. (1969) |
| La Mutuelle l'Assomption (1903) |
| Le collège Notre-Dame d'Acadie (1943) |
| Le collège Saint-Joseph (1864) |
| Le Moniteur acadien, premier journal de langue française aux Maritimes (1867) |
| Le retour des Acadiens (1764) |
| Le traité d'Utrecht - première perte territoriale |
| Les caisses populaires (1936) |
| Les premiers députés acadiens (1836) |
| L'expression d'une conscience collective (1881) |
| L'origine du nom «Acadie» (1524) |
| Louisbourg (1720) |
| Les légendes acadiennes collection |
| Biographie de l'artiste peintre |
| Virtual Postcard |
| Les oeuvres |
| Gabriel et Évangeline |
| La charrette mystérieuse |
| La Dame des neiges |
| La Gougou |
| Le Bateau fantôme du capitaine Craig |
| Le Bonhomme sept heures |
| Le diable danseur |
| L'ensorcelée |
| Les chercheurs de trésors |
| Voyage dans la nuit |
| Mot de l'artiste peintre |
| La Collection Héritage |
| Les oeuvres |
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| Programme de littératie «Lire, découvrir et grandir» |
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| Company Profile |
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| History |
| Important historical milestones |
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| Key Data - A major economic force |
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| Board of Directors and Management of Fédération des caisses populaires acadiennes |
| Media Relations Team |
| Graphic standards |
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| Photo Library |
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| Eric Aube |
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| Simonne Godin |
| Publications and documents |
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| How to navigate on Acadie.com |
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| How to forward fraudulent e-mail |
| Information |
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| Contact us |
| Complaint management procedure |
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| History |
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| Other products |
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| Registered pension plan (RPP) |
| Accumulation plans |
| Locked-in Retirement Account (LIRA) |
| RRSP – Accumulation annuity |
| Non-registered accumulation annuity |
| Fixed rate annuity |
| Retirement income plans |
| Life income fund (LIF) |
| Registered retirement income fund (RRIF) |
| Repayable capital annuity |
| Annuity certain (or term annuity) |
| Life annuity |
| National Do Not Call List (DNCL) - Information for Caisses populaires acadiennes members and clients |
| Open a personal account and become a member |
| Application to open a personal account and become a member – Instructions |
| Personal |
| Clienteles |
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| Insurance |
| Automobile |
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| Credit |
| Transactions |
| Travel |
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| Caisse scolaire Folio |
| Advantages of the Caisse scolaire Folio |
| Specifications of the Caisse scolaire Folio |
| 2009-2010 contests |
| Functioning of a Caisse scolaire Folio |
| Historical background |
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| High school (13 to 18 years old) |
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| Parents |
| Money tips |
| Online shopping |
| Insurance |
| Travel Insurance: you may already be covered! |
| Should you take out insurance on your child? |
| Do you need personal insurance after retirement? |
| Can you take out personal insurance at any age? |
| Disability Insurance: Is it really that important? |
| When should you reassess your life and health insurance? |
| Travel worry-free! |
| Security tips |
| The elderly and financial exploitation |
| How to avoid financial exploitation |
| What can you do if you witness or are a victim of financial exploitation? |
| What are the signs of financial exploitation? |
| What is financial exploitation? |
| Market-linked guaranteed investments |
| Market-Linked Guaranteed Investment Bulletin |
| Glossary of market-linked guaranteed investments |
| Market-linked guaranteed investments - FAQ |
| RRSPs and retirement |
| Contribute early, contribute your maximum |
| Contribute your maximum |
| Contribute by regular instalments |
| Borrow to invest |
| The Golden Rule of diversification |
| Triple diversification |
| RRIF, LIF and taxation |
| Minimize taxes |
| Should you diversify your investment in an RRIF? |
| Bonus-less taxes to pay! |
| A wide range of options |
| When and how to convert your LIRA or Locked-in RRSP |
| RRIF or annuity? |
| Convert your LIRA or Locked-in RRSP immediately at age 55 or wait until your turn 71? |
| When and how to convert your RRSP |
| RRIF or annuity? |
| Convert your RRSP now or when you turn 71? |
| Pay down the mortgage or contribute to your RRSPs? |
| Use your unused contribution room |
| All you need to know about the Home Buyers' Plan (HBP) |
| Other conditions |
| Are you eligible? |
| The positive and negative aspects of the Home Buyer’s Plan |
| Repayment of the RRSP |
| All about taxes at retirement |
| Age 71: your last chance to contribute! |
| RRSPs or RRIFs? |
| Do RRSP withdrawals entitle you to tax breaks? |
| Planning withdrawals from a Spousal RRSP |
| Withdraw from your RRSP or from your non-RRSP savings? |
| Converting your RRSP into an annuity |
| Vacation |
| For a profitable vacation |
| Paying for your vacation |
| Travel Insurance: you may already be covered! |
| Cash, credit or traveller's cheques? |
| Cards: Don't leave home without them! |
| What about traveller's cheques? |
| Do all ATMs fit the bill? |
| Car trip? |
| Bring a first aid kit |
| Are we there yet? |
| Accidents out of the country |
| Travel light |
| Travel: some tips before you leave |
| Travel worry-free! |
| VISA Desjardins |
| Bank reconciliation, another tool to your credit! |
| Put a PIN on your card! |
| Projects |
| Buy a car |
| 1) Stay within your budget |
| 2) Select the right financing method |
| 3) Insure your loan |
| Buy a house |
| 1. Your budget |
| The downpayment |
| Home Buyers' Plan (HBP) |
| Start-up costs |
| Do the math |
| Can you afford to buy? |
| 2. Choosing your home |
| 3- Your allies |
| 4. Mortgage loans |
| Loan Insurance |
| Options |
| Key terms |
| Preauthorized Mortgage |
| Homebuyer Leverage Mortgage Loan |
| Mortgages at a glance |
| Borrowing profile |
| 5. Home Insurance |
| Home Insurance |
| Homeowner Protection |
| 6- The offer to purchase and sale |
| Moving |
| Let us know |
| Checklist |
| Update your AccèsD bill file |
| Your retirement, your RRSPs |
| 1. Get informed to plan more effectively |
| RRSPs and Taxation |
| How much are you allowed to contribute? |
| Should you contribute to your spouse's RRSP? |
| The RRSP deduction does more than save you income taxes |
| Contribute early, contribute your maximum |
| Contribute your maximum |
| Contribute by regular instalments |
| Borrow to invest |
| Use your unused contribution room |
| The Golden Rule of diversification |
| Diversification |
| Estates require some planning |
| Other assets |
| Donating to an organization or a museum |
| The primary residence |
| Life insurance |
| Estate freezing |
| RRSPs and RRIFs |
| Assets held outside of the country |
| Testamentary trusts |
| You can make donations during your lifetime |
| Do you need personal insurance after retirement? |
| Can you take out personal insurance at any age? |
| Investment methods |
| Group RRSP |
| Regular Instalment RRSP |
| Eligible investments |
| What is an RRSP |
| Lifelong Learning Plan (LLP) |
| Pay down the mortgage or contribute to your RRSPs? |
| All about taxes at retirement |
| Age 71: your last chance to contribute! |
| RRSPs or RRIFs? |
| Do RRSP withdrawals entitle you to tax breaks? |
| Planning withdrawals from a Spousal RRSP |
| Withdraw from your RRSP or from your non-RRSP savings? |
| Converting your RRSP into an annuity |
| 2. Choose from the various investment options |
| Term Savings |
| Climbing-Rate Term Savings |
| Diversified Term Savings |
| Market-linked guaranteed investments |
| Enhanced Return Guaranteed Investment |
| Current issues |
| 3. Convert your RRSP into retirement income |
| Locked-in Retirement Account (LIRA) |
| Life Income Fund (LIF) |
| Registered retirement income fund (RRIF) |
| RRIF, LIF and taxation |
| Minimize taxes |
| Should you diversify your investment in an RRIF? |
| Bonus-less taxes to pay! |
| A wide range of options |
| When and how to convert your LIRA or Locked-in RRSP |
| RRIF or annuity? |
| Convert your LIRA or Locked-in RRSP immediately at age 55 or wait until your turn 71? |
| When and how to convert your RRSP |
| RRIF or annuity? |
| Convert your RRSP now or when you turn 71? |
| Annuities |
| Manage your retirement income |
| Analyze your sources of retirement income |
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| Draw up your retirement budget |
| Go on a trip |
| 1) Establish your budget |
| For a profitable vacation |
| Paying for your vacation |
| 2) Getting the funds together |
| 3) Before you go: the essentials |
| 4) When you're there: Have all the contact information you need on hand |
| Travel Assistance Service |
| What to do in an emergency |
| If you run short of cash |
| Keep track of your finances from abroad |
| 5) When you return: Sell leftover travellers cheques and foreign currency |
| Buying and selling foreign currency |
| File income tax returns |
| Renovate your home |
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| Valuable Tips |
| Projects of $25,000 or more |
| Small renovation projects |
| Projects less then $25,000 |
| 2) Apply |
| 3. Insure your loan |
| 4) Review your home insurance coverage |
| Start school smoothly |
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| 2) There's no place like home |
| 3) Buying a computer |
| 4) Don't drive yourself crazy |
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| New RRSP RRIF LIRA LIF contracts |
| Guaranteed investments with a more-than-attractive return potential |
| Products and services |
| VISA Desjardins credit cards |
| Accord D financing |
| Advantages |
| Participating merchants |
| FURNITURE AND APPLIANCES |
| AUTOMOBILE |
| DENTISTS |
| ELECTRONICS |
| COMPUTERS |
| EYEWEAR |
| POOLS AND PATIO FURNITURE |
| HARDWARE |
| RENOVATIONS |
| SPORTS AND SPORTING GOODS |
| CLOTHING |
| Payment methods |
| Financing methods |
| What are your plans? |
| Account statement |
| Compare our cards |
| Manage your VISA Desjardins account |
| VISA Offers |
| Options |
| Credit Balance Insurance - Individuals |
| Eligibility |
| Notice |
| Cost |
| Exclusions |
| Protections |
| Telephone assistance services |
| VISA Desjardins Authorized Payment Service |
| About the VISA Desjardins Authorized Payment Service |
| Start Using the VISiA Desjardins Authorized Payment Service |
| Lower interest rates |
| Desjardins BONUSDOLLARS Rewards Program |
| Online monthly statement of account |
| On AccèsD |
| Registration |
| By epost |
| Registration |
| FAQ - VISA Desjardins online monthly statement of account |
| Accounts and related services |
| Accounts |
| High-Yield Account |
| Build-Up Savings Account |
| $U.S. Build-Up Savings Account |
| TFSA Savings Account |
| Personal Chequing Account |
| Regular Savings Account |
| Student STRATEGIC account |
| Folio saving Account |
| Monthly plans |
| Basic plans |
| Intermediate plans |
| Optimum plans |
| Fees |
| Monthly statement of account |
| Access to accounts |
| Our programs |
| Transaction code definitions |
| Transactions free of charge at all times |
| Transactions and methods of access |
| Advice and tips on reducing your service charges |
| Savings and investment |
| Tax-Free Savings Account (TFSA) |
| Compare TFSAs and RRSPs |
| Put your savings in a Tax-Free Savings Account (TFSA) to earn tax-free investment income |
| Guaranteed fixed-rate investments |
| Term Savings |
| Regular Deposit Term Savings |
| Climbing-Rate Term Savings |
| Regular Income Term Savings |
| Diversified Term Savings |
| Redeemable Term Savings |
| Glossary of market-linked guaranteed investments |
| Market-linked guaranteed investments - FAQ |
| Market-linked guaranteed investments - FAQ |
| Market-linked guaranteed investments |
| Investments that pay |
| Stock Market-Indexed Guaranteed Investment |
| Current issues |
| Natural Resource Guaranteed Investment |
| Current issues |
| Asset allocation |
| Global Equity Guaranteed Investment |
| Current issues |
| Diversified investment |
| Equity Guaranteed Investment Portfolio |
| Current issues |
| Profile Guaranteed Investment Portfolio |
| Asset allocation according to investor profile |
| Education-related savings |
| Lifelong Learning Plan (LLP) |
| Folio registered education savings plan (RESP) |
| RRSPs and retirement savings |
| Find out about all RRSP-eligible investments |
| Contribute today |
| Make your very first RRSP contribution |
| Borrow to contribute to an RRSP |
| Get RRSP tips online |
| HBP without an RRSP? |
| In this period of market upheaval, should I continue to contribute to my RRSP? |
| Contribute to my RRSP at just 25 years old? |
| Contribute by regular instalments |
| Build up your RRSP like you pay groceries |
| How spouses can save on income taxes |
| Excess contributions pay off |
| RRSP or TFSA? |
| Make up for lost time – Take advantage of your unused RRSP contributions |
| Why should I invest in an RRSP? I have a pension fund! |
| Counting on the government, is that realistic? |
| Returning to school sounds cool? An RRSP could help |
| Do you know what your investor profile is? |
| Dreaming about your new home? Your RRSP is the key! |
| Securities brokerage services |
| Online brokerage |
| Direct access brokerage |
| Financing |
| Student financing |
| Student ADVANTAGE line of credit |
| Solution Elite |
| Versatile Line of Credit |
| Personal line of credit |
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| Personal Line of Credit |
| Automobile loan |
| Documents to bring to your meeting with an advisor |
| Car loan |
| Dealership list |
| Multi-project Option |
| Mortgages |
| Loan Insurance |
| Housing tips |
| Systematic savings |
| Tips to make your dreams become a reality |
| How to reduce your debt more quickly |
| The downpayment |
| The mortgage loan |
| The Home Buyer’s Plan |
| Re-possessed properties…. Not always a good deal |
| Property inspection |
| The advantages of a pre-authorised loan |
| Margin to maneuver and start up costs |
| Think about tomorrow |
| Take you time |
| Making the offer to purchase |
| What questions should be asked about a mortgage loan? |
| A mortgage you can afford |
| Valuable Tips |
| Reimburse your mortgage or buy an RRSP |
| Accelerate the payment of your debt without having overwhelming monthly payments! |
| All you need to know about the Home Buyers' Plan (HBP) |
| Other conditions |
| Are you eligible? |
| The positive and negative aspects of the Home Buyer’s Plan |
| Repayment of the RRSP |
| The downpayment |
| Home Buyers' Plan (HBP) |
| Systematic saving – Prepare your dream |
| Calculation tables |
| Our mortgage loans |
| Preauthorized Mortgage |
| Borrowing profile |
| Homeowner Protection |
| Homeowner Protection |
| Home Buyers' Plan (HBP) |
| Home Buyers' Plan (HBP) |
| Other conditions |
| Are you eligible? |
| The positive and negative aspects of the Home Buyer’s Plan |
| Repayment of the RRSP |
| Renew your mortgage |
| Prepare to meet with an advisor |
| Types of mortgages and rates |
| Personal loan |
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| Unused contribution room RRSP loan |
| Member dividends |
| Online solutions |
| Access to accounts |
| AccèsD Internet |
| Automated tellers |
| StopPINg card fraud before it starts |
| La Populaire Access Card |
| Cross-Border Debit in the US with your La Populaire Access Card |
| FAQ - La Populaire Access Card and PIN |
| Put a PIN on your card! |
| Electronic products and services |
| Direct deposit |
| Direct payment |
| Monthly statement of account |
| Direct withdrawal |
| Online services |
| FAQ - AccèsD |
| Confidentiality |
| Required equipment |
| Procedure to update Safari |
| Downloading instructions for Adobe Reader |
| Procedure for downloading Mozilla Firefox |
| Procedure for downloading Netscape |
| Procedure to enable JavaScripts |
| Procedure to enable cookies |
| Procedure for downloading Internet Explorer |
| Clear your computer's cache memory |
| Registration |
| AccèsD information |
| Registration |
| Available features |
| Order personalized cheques |
| Bank reconciliation |
| Manage your VISA Desjardins account |
| Cheque imaging |
| Scheduled transactions |
| Bill payments |
| How to enter a bill |
| Eligible organizations |
| Financial summary |
| epostTM electronic bill delivery service |
| epost eligible organizations |
| Monthly statement of account |
| Sample monthly statement of account |
| Statement templates |
| Your monthly statement of account is now available in AccèsD for 12 months! |
| Transfers |
| Transfers between investment and caisse accounts |
| Money transfers (between individuals) |
| Transfers between accounts in one or more caisses |
| Inter-institution transfers |
| Online security |
| |
| How to protect yourself |
| Choose a good password for AccèsD and AccèsD Affaires |
| Update your computer |
| Procedure to update Safari |
| Downloading instructions for Adobe Reader |
| Procedure for downloading Mozilla Firefox |
| Procedure for downloading Netscape |
| Procedure to enable JavaScripts |
| Procedure to enable cookies |
| Procedure for downloading Internet Explorer |
| Use antivirus software |
| Use a firewall |
| Validate the authenticity of e-mail |
| Clear your computer's cache memory |
| Don't be a victim |
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| Report fraud |
| Credit and debit card fraud (skimming) |
| Cheque fraud |
| Computer virus fraud |
| Cons |
| Phishing - FAQ |
| How to forward fraudulent e-mail |
| Identity theft |
| How we protect you |
| Protecting your privacy |
| The Caisses populaires acadiennes takes action against fraud |
| Security measures |
| Enhanced AccèsD and AccèsD Affaires log-on procedure |
| FAQ - Enhanced AccèsD and AccèsD Affaires log-on procedure |
| Digital certificates |
| 128-bit encryption |
| Automatic termination of a session |
| Firewall |
| Cookies |
| Using the password |
| Refunds in the event of fraud |
| Protect your financial transactions |
| AccèsD Internet |
| At the ATM and merchants |
| La Populaire card |
| Fraudulent E-Mail |
| Identity theft |
| Important resources |
| Telephone solicitation |
| Internet technical support |
| Perspectives Plus Guaranteed Investment |
| Privacy Promise |
| Rates and figures |
| Market-linked guaranteed investments |
| Interest rates |
| Registration to Univeris Investor Web (UIW) |
| Tools |
| Auto Loan Calculator |
| Personal budget calculators |
| Mortgage calculators |
| Personal Loan Calculators |
| RRSP loan calculators |
| Your Caisse |
