CREDIT
CARDS
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A CARD
FOR EVERY NEED
When used wisely, a credit card is a
useful and even essential payment
tool in so many ways. It helps you
build a solid credit history and
financial reputation—and makes
your life easier when you need to
make travel reservations or
finance purchases.
Each Westminster Visa Desjardins
card has a variety of features to
meet your needs, so keep reading
to find out which one is right
for you.
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1
FEATURES AND
BENEFITS OF
WESTMINSTER
VISA DESJARDINS
PERSONAL CARDS †
STU
Sta
BASIC FEATURES
Annual fee
No fe
Annual fee for additional card
No fe
Interest rate (purchases and cash advances)
BONUSDOLLARS ®
Rewards Program
(also applicable to
additional cards)
19.9%
Travel (without restriction)
Select Westminster Savings financial products and
services, show tickets and gift rewards
Annual cashback
Administrative charges (overlimit fee, copy of statement charge, etc.)
None
INSURANCE
Trip Interruption and Cancellation Insurance
3 day
Max.
Max.
Baggage Coverage
3 day
Up to
Emergency Health Care Coverage
3 day
Up to
Intergenerational Coverage
UNIQUE IN CANADA
Common Carrier Accident Coverage
Auto Rental Collision/Loss Damage Insurance
Mobile Device Insurance
Includ
Extended Warranty and Purchase Protection
OTHER BENEFITS AND OPTIONS
Accord D DesjardinsTM financing
Includ
Hertz discount
Up to
Traveller’s cheques (no administration fees)
Low interest rate
Upon
†All rates and fees are effective August 31, 2015, and are subject to change
without notice.
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1
STUDENT
Start building your credit
2
CLASSIC
Indispensable
3
NO
All t
wit
No fee
No fee
No fe
No fee
No fee
No fe
19.9%
19.9%
19.9%
Optional:
1% of purchases awarded as
BONUSDOLLARS, $30/year
0.5%
as BO
Optio
award
None
None
None
3 days no charge
Max. $500/pers. before departure
Max. $1,000/pers. after departure
3 days no charge
Max. $500/pers. before departure
Max. $1,000/pers. after departure
3 day
Max.
Max.
3 days no charge
Up to $500/pers.
3 days no charge
Up to $500/pers.
3 day
Up to
3 days no charge
Up to $5,000,000/pers.
3 days no charge
Up to $5,000,000/pers.
3 day
Up to
and
ADA
Included
Includ
Includ
Included
Included
Includ
Up to 10%
Up to 10%
Up to
Upon request $30/year – 12.9%
Upon request $30/year – 12.9%
Upon
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NO-FEE GOLD
All the benefits of a Gold card,
without the fees
4
5
The satisfaction of a low rate,
the joy of rewarding yourself
All-
LOW-RATE GOLD
TR
No fee
$50
No fee
$10/year
$110
$30/
19.9%
10.9%
19.9%
0.5% of purchases awarded
as BONUSDOLLARS.
Optional: 1% of purchases
awarded, $30/year
1% of purchases awarded
as BONUSDOLLARS
1% of
as BO
None
None
None
3 days no charge
Max. $500/pers. before departure
Max. $1,000/pers. after departure
3 days no charge
Max. $500/pers. before departure
Max. $1,000/pers. after departure
Max.
Unlim
3 days no charge
Up to $500/pers.
3 days no charge
Up to $500/pers.
Up to
Up to
3 days no charge
Up to $5,000,000/pers.
3 days no charge
Up to $5,000,000/pers.
Up to
Up to
Includ
Up to
accid
Maxim
Included with 1% BONUSDOLLARS option
Included
Includ
Included
Included
Includ
Included
Included
Includ
Up to 20%
Up to 20%
Up to
Includ
Upon request $30/year – 12.9%
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Upon
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ate,
elf
5
6
All-inclusive travel insurance
By invitation only
TRAVEL GOLD
PLATINUM
$110
$169
$30/year
$50/year
19.9%
9.9%
1% of purchases awarded
as BONUSDOLLARS
1% of purchases awarded
as BONUSDOLLARS
1% on net purchases over $20,000
credited once a year to the account
(max. $800/year)
None
None
Max. $2,500/pers. before departure
Unlimited after departure
Max. $2,500/pers. before departure
Unlimited after departure
Up to 60 days
Up to $1,000/pers.
Up to 60 days
Up to $1,000/pers.
Up to 60 days
Up to $5,000,000/pers.
Up to 60 days
Up to $5,000,000/pers.
Included
Up to $1,000,000/pers. in the event of
accidental death or dismemberment
Up to $1,000,000/pers. in the event of
accidental death or dismemberment
Maximum 48 days
Maximum 48 days
Included
Included
Included
Included
Included
Up to 20%
Up to 20%
Included
Included
Upon request $30/year – 12.9%
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TABLE OF CONTENTS
nSTUDENT
2
nCLASSIC
4
n NO-FEE GOLD
6
n LOW-RATE GOLD
8
n TRAVEL GOLD
10
nPLATINUM
12
nBONUSDOLLARS ®
REWARDS PROGRAM
14
n ACCORD DTM FINANCING
16
nPRIVILEGES AND SERVICES OFFERED WITH
WESTMINSTER VISA DESJARDINS CARDS
17
LEGAL NOTES
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1
VISA STUDENT
Start building your credit
MOBILE DEVICE INSURANCE 1
Coverage up to $1,000 in the event your cell phone,
smartphone or tablet is lost, stolen, accidentally
damaged or experiences mechanical failure.
THREE-DAY TRAVEL INSURANCE2
No matter how many trips you take during the year,
complimentary insurance coverage for trips of three
days or less outside Canada or your home province.
Coverage may be extended for longer trips. Emergency Health Care Coverage
Up to $5,000,000 per person.
•
Trip Interruption and Cancellation Insurance 4
Up to $500 per person before departure and up
to $1,000 per person in the event of cancellation
after departure.
•
Baggage Coverage
Up to $500 per person against theft, damage
or delayed baggage.
•
Travel assistance service
Available at no charge 24/7 from anywhere in the
world.
•
2
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PAYMENT REMINDER
Forget forgotten payments. Simply provide your email
address, and if a payment has not been received three
days before your account due date, you’ll be sent an
email reminder.
No annual fee3 – No transaction fees
19.9% interest rate
Low 12.9% interest rate for $303/year
DID YOU KNOW?
TO BUILD A CREDIT HISTORY, IT IS BEST TO CHOOSE A
CREDIT CARD WITH A LOW LIMIT, MAKE A FEW PURCHASES
EACH MONTH, AND PAY OFF THE BALANCE IN FULL BEFORE
THE DUE DATE.
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VISA CLASSIC
Indispensable
THREE-DAY TRAVEL INSURANCE2
No matter how many trips you take during the year,
complimentary insurance coverage for trips of three
days or less outside Canada or your home province.
Coverage may be extended for longer trips. Emergency Health Care Coverage
Up to $5,000,000 per person.
•
Trip Interruption and Cancellation Insurance 4
Up to $500 per person before departure and up
to $1,000 per person in the event of cancellation
after departure.
•
Baggage Coverage
Up to $500 per person against theft, damage
or delayed baggage.
•
Travel assistance service
Available at no charge 24/7 from anywhere in
the world.
•
4
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OPTIONAL BONUSDOLLARS® REWARDS
PROGRAM
1% of purchases awarded as BONUSDOLLARS,
for just $303 a year.
Groceries, clothes, gas and more! BONUSDOLLARS
add up fast!
See page 14 to learn about the ways you can take
advantage of this program.
No annual fee3 – No transaction fees
19.9% interest rate
Low 12.9% interest rate for $303/year
DID YOU KNOW?
FOR DAY-TO-DAY PURCHASES MADE WITH YOUR CREDIT
CARD, YOU HAVE A 21-DAY GRACE PERIOD FROM THE
DATE YOUR ACCOUNT STATEMENT IS ISSUED TO PAY OFF
YOUR TOTAL ACCOUNT BALANCE WITHOUT INCURRING
INTEREST CHARGES.
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VISA NO-FEE GOLD
All the benefits of a Gold card, without
the fees
BONUSDOLLARS ® REWARDS PROGRAM
0.5% of purchases awarded as BONUSDOLLARS,
with no fees.
•
Earn double the BONUSDOLLARS for just $303
a year.
•
See page 14 to learn about the ways you can take
advantage of this program.
THREE-DAY TRAVEL INSURANCE2
No matter how many trips you take during the year,
complimentary insurance coverage for trips of three
days or less outside Canada or your home province.
Coverage may be extended for longer trips.
Emergency Health Care Coverage
Up to $5,000,000 per person.
•
Trip Interruption and Cancellation Insurance4
Up to $500 per person before departure and up
to $1,000 per person in the event of cancellation
after departure.
•
Baggage Coverage
Up to $500 per person against theft, damage
or delayed baggage.
•
Travel assistance service
Available at no charge 24/7 from anywhere in the
world.
•
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MOBILE DEVICE INSURANCE1
Coverage up to $1,000 in the event your cell phone,
smartphone or tablet is lost, stolen, accidentally
damaged or experiences mechanical failure.
Included with 1% BONUSDOLLARS option.
OTHER COVERAGE
Purchase Protection1 provides coverage in the event
of loss or damage for 90 days from the purchase date
when you use your card to purchase eligible items, up
to a maximum of $50,000 per account per year.
•
Extended Warranty1 coverage automatically doubles
the original manufacturer’s warranty for up to one
additional year when you use your card to purchase
most items.
•
No annual fee3 – 19.9% interest rate
Low 12.9% interest rate for $303/year
DID YOU KNOW?
TO KEEP A BALANCED BUDGET, YOUR DEBTS SHOULD
NOT EXCEED 10% TO 15% OF YOUR NET INCOME,
NOT INCLUDING MORTGAGE PAYMENTS.
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VISA LOW-RATE GOLD
The satisfaction of a low rate,
the joy of rewarding yourself
LOW FIXED RATE
Guaranteed savings thanks to a low fixed rate of
10.9% applicable on purchases, cash advances and
balance transfers.
BONUSDOLLARS® REWARDS PROGRAM
1% of purchases awarded as BONUSDOLLARS.
See page 14 to learn about the ways you can take
advantage of this program.
THREE-DAY TRAVEL INSURANCE2
No matter how many trips you take during the year,
complimentary insurance coverage for trips of three
days or less outside Canada or your home province.
Coverage may be extended for longer trips. Emergency Health Care Coverage Up to $5,000,000 per person.
•
Trip Interruption and Cancellation Insurance 4
Up to $500 per person before departure and up
to $1,000 per person in the event of cancellation
after departure.
•
Baggage Coverage
Up to $500 per person against theft, damage
or delayed baggage.
•
Travel assistance service
Available at no charge 24/7 from anywhere in the
world.
•
8
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MOBILE DEVICE INSURANCE1
Coverage up to $1,000 in the event your cell phone,
smartphone or tablet is lost, stolen, accidentally
damaged or experiences mechanical failure.
OTHER COVERAGE
Purchase Protection1 provides coverage in the event
of loss or damage for 90 days from the purchase date
when you use your card to purchase eligible items, up
to a maximum of $50,000 per account per year.
•
Extended Warranty1 coverage automatically doubles
the original manufacturer’s warranty for up to one
additional year when you use your card to purchase
most items.
•
$503 annual fee – 10.9% interest rate
DID YOU KNOW?
IF YOU PLAN TO REQUEST A CREDIT LIMIT INCREASE,
IT IS BEST TO DO SO JUST ONCE A YEAR AS MULTIPLE
REQUESTS IN THE SAME YEAR COULD AFFECT YOUR
CREDIT RATING.
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VISA TRAVEL GOLD
All-inclusive travel insurance
COMPLETE TRAVEL INSURANCE5
No matter how many trips you take during the year,
up to 60 consecutive days, for you and your family.
Emergency Health Care Coverage
Up to $5,000,000 per person.
•
Intergenerational Coverage6
For dependent grandchildren.
•
Unique in Canada
Trip Interruption and Cancellation Insurance 4
Up to $2,500 per person in the event of cancellation
before departure and unlimited after departure.
•
Baggage Coverage
Up to $1,000 per person against theft or damage and
up to $500 per person for baggage delays.
•
Common Carrier Accident Coverage4
Up to $1,000,000 per person in the event of
accidental death or dismemberment.
•
Travel assistance service
Available at no charge 24/7 from anywhere in the
world.
•
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MOBILE DEVICE INSURANCE1
Coverage up to $1,000 in the event your cell phone,
smartphone or tablet is lost, stolen, accidentally
damaged or experiences mechanical failure.
BONUSDOLLARS® REWARDS PROGRAM
1% of purchases awarded as BONUSDOLLARS.
•
Your BONUSDOLLARS never expire and you can use
them any way you wish. Whether you prefer to sleep
under the stars or in a five-star hotel, BONUSDOLLARS
let you have it your way.
See page 14 to learn about the ways you can take
advantage of this program.
OTHER COVERAGE
Purchase Protection1 provides coverage in the event
of loss or damage for 90 days from the purchase date
when you use your card to purchase eligible items, up
to a maximum of $50,000 per account per year.
•
Extended Warranty1 coverage automatically doubles
the original manufacturer’s warranty for up to one
additional year when you use your card to purchase
most items.
•
Auto Rental Collision/Loss Damage Insurance1. When
you rent a car for up to 48 consecutive days, and charge
the full cost of the rental to your card, you may be
covered if the rental car is damaged or stolen.
•
$1103 annual fee – 19.9% interest rate
Low 12.9% interest rate for $303/year
DID YOU KNOW?
ANY CASH ADVANCE OR PURCHASE MADE IN FOREIGN
CURRENCY WITH THE WESTMINSTER VISA DESJARDINS
CARD IS PAYABLE IN CANADIAN CURRENCY, AND THE
CONVERSION IS MADE AT THE EXCHANGE RATE IN EFFECT
ON THE DATE THE CONVERSION WAS MADE.
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VISA PLATINUM
By invitation only
THE CREDIT CARD THAT GIVES YOU ACCESS
TO A MULTITUDE OF EXCLUSIVE SERVICES
AND PRIVILEGES
1% in BONUSDOLLARS ®, 1% cashback 7 and the lowest
fixed interest rate in the country: 9.9%.
EXCLUSIVE CASHBACK
Annual cashback 7 of 1% in the form of an account credit
once purchases reach $20,000 per year. Maximum
amount of $800 per year paid on the anniversary date
of the opening of the account.
BONUSDOLLARS® REWARDS PROGRAM
1% of purchases awarded as BONUSDOLLARS.
•
See page 14 to learn about the ways you can take
advantage of this program.
COMPLETE TRAVEL INSURANCE5
No matter how many trips you take during the year,
up to 60 consecutive days, for you and your family.
Emergency Health Care Coverage
Up to $5,000,000 per person.
•
Trip Interruption and Cancellation Insurance 4
Up to $2,500 per person in the event of cancellation
before departure and unlimited after departure.
•
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Baggage Coverage
Up to $1,000 per person against theft or damage and
up to $500 per person for baggage delays.
•
Common Carrier Accident Coverage 4
Up to $1,000,000 per person in the event of
accidental death or dismemberment.
•
Travel assistance service
Available at no charge 24/7 from anywhere in
the world.
•
OTHER COVERAGE
Purchase Protection1 provides coverage in the event
of loss or damage for 90 days from the purchase date
when you use your card to purchase eligible items, up
to a maximum of $50,000 per account per year.
•
Extended Warranty1 coverage automatically doubles
the original manufacturer’s warranty for up to one
additional year when you use your card to purchase
most items.
•
Auto Rental Collision/Loss Damage Insurance1. When
you rent a car for up to 48 consecutive days, and charge
the full cost of the rental to your card, you may be
covered if the rental car is damaged or stolen.
•
EXCLUSIVE PERSONALIZED SERVICE
Quick response time
•
Credit limit tailored to cardholders’ needs
•
$1693 annual fee – 9.9% interest rate
By invitation from Westminster Savings only
DID YOU KNOW?
YOU CAN REDEEM YOUR BONUSDOLLARS FOR
WESTMINSTER SAVINGS FINANCIAL PRODUCTS AND
SERVICES: THEY ARE AS VALUABLE AS CASH, SO YOU CAN
MULTIPLY THEM IN MANY WAYS.
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BONUSDOLLARS®
REWARDS PROGRAM
Forget if, except and but: with BONUSDOLLARS,
the decision is yours.
Depending on the type of Westminster Visa Desjardins
card, the BONUSDOLLARS Rewards Program offers:
0.5% or 1% of purchases awarded as BONUSDOLLARS
•
The value of your BONUSDOLLARS is easy to calculate
1 BONUSDOLLAR IS EQUIVALENT TO $1.
WAYS TO BENEFIT
TRAVEL9
Whether you prefer to sleep under the stars or in
a five-star hotel, BONUSDOLLARS let you have it
your way.
Your BONUSDOLLARS never expire and you can use
them any way you wish, to pay for all or part of your
trip. Plus, with your BONUSDOLLARS, you get to
decide where and when you want to go.
There are no restrictions on:
destination;
•
timeframe;
•
accommodations (tourist lodges, inns, hotels, etc.);
•
mode of transportation (plane, train, bus, etc.).
•
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WESTMINSTER SAVINGS FINANCIAL
PRODUCTS AND SERVICES 8
Redeem your BONUSDOLLARS for select financial
products or apply them against select services with
Westminster Savings. Use them as you would cash
to make them work for you.
GIFT REWARDS
BONUSDOLLARS can be redeemed for a variety of
quality rewards and gift cards. The BONUSDOLLARS
Rewards Catalogue is available online at
wscu.desjardins.com/rewards.
SHOW AND EVENT TICKETS10
Is stepping out on the town, catching a show or going
to a concert your scene?
Use your BONUSDOLLARS to cover the cost of your
concert, theatre, tourist attraction and museum tickets.
Just pay for your tickets with your Westminster Visa
Desjardins card and redeem your BONUSDOLLARS
later.
For more information:
wscu.desjardins.com/bonusdollars
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ACCORD D TM
FINANCING
Simple, quick and flexible
A simple in-store financing solution available as a
second credit limit on your Westminster Visa Desjardins
credit card. 11 You can use it without reducing your
available Visa credit.
Simple
Purchase financing on goods and services in-store:
furniture, pools, renovations, healthcare, etc.
•
Financing plans at 0% from some participating
retailers!
•
Quick
Financing available within minutes. 12
•
Funds are made available on your Westminster Visa
Desjardins card, without any other formalities.
•
Flexible
Flexible payment terms, depending on the retailer:
Buy now and pay later; no payments or interest due
during the grace period.
•
Pay in equal monthly instalments, with or without
interest.
•
Buy now and, following a grace period, pay for
your purchase in equal instalments.
•
For more information:
wscu.desjardins.com/en/accordd
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PRIVILEGES AND SERVICES
OFFERED WITH WESTMINSTER
VISA DESJARDINS CARDS
DISCOVER THE AVAILABLE SERVICES
AND OPTIONS – SOME AT NO CHARGE
– THAT WILL MAKE MANAGING YOUR
FINANCES EASIER.
REMOTE ACCOUNT MANAGEMENT:
FREE, PRACTICAL AND FAST
Manage your account online.
By managing your Westminster Visa Desjardins account
through AccèsD Internet, you can:
sign up for email alerts (approaching credit limit,
minimum payment not received, etc.);
•
request a credit limit increase;
•
add options (BONUSDOLLARS ® Rewards Program,
low interest rate, 11 etc.);
•
and much more!
•
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CREDIT BALANCE INSURANCE – INDIVIDUALS 13
(OPTIONAL)
In the event of death, disability, critical illness or job
loss, this insurance can help you repay all or part of your
account balance, including Accord D Desjardins
financing plans.
All Westminster Visa Desjardins cardholders aged 18
to 64 inclusive are eligible.
•
The premium is $0.75 plus tax for every $100 of
monthly balance.
•
No premium is payable when the account balance
is zero.
•
VISA PAYWAVE* CONTACTLESS TECHNOLOGY
Westminster Visa Desjardins cards now feature Visa
payWave contactless technology, enabling cardholders
to pay for purchases of $10014 or less at a wide variety
of retailers.
Look for this symbol:
For more information:
wscu.desjardins.com/payWave
ZERO LIABILITY IN THE EVENT OF FRAUD
Thanks to this protection, consumers are not liable for
fraudulent transactions. You are not required to pay
for any fraudulent transactions made to your account
as Desjardins will assume liability.
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LEGAL
NOTES
*Trademark of Visa International Service Association and
used under license
®
BONUSDOLLARS is a registered trademarks of Desjardins
Financial Group.
®
* Assurant Solutions is a registered trademark of Assurant Inc.
TM
Accord D is a trademark of Desjardins Financial Group.
1. Insurance coverage is underwritten by American Bankers
Insurance Company of Florida (ABIC). ABIC, its subsidiaries,
and affiliates carry on business in Canada under the name of
Assurant Solutions®*. Details of your coverage, including terms,
conditions, limitations and exclusions, are in the certificate
of insurance provided with your card. The certificate of
insurance is also available at www.wscu.desjardins.com.
2. Insurance coverage applies to you, your spouse and
dependent children. If you will be taking a longer trip, you
must obtain extended coverage from the insurer in order to
benefit from the days of coverage offered by the policy
(except Common Carrier Accident Insurance). Insurance
coverage is underwritten by Desjardins Financial Security
Life Assurance Company. This document is provided for
information purposes only. For more details, refer to the
insurance policies. Some conditions and restrictions apply.
3. Subject to Desjardins Financial Group approval. There is a
21-day, interest-free grace period on the card from the date
the monthly statement is mailed or from the date it is made
available in electronic format to settle the account without
paying credit charges, except on cash advances and cheques.
Otherwise, any and all unpaid amounts shall be subject to
credit charges calculated at the rate of 19,9% until such
payment is made in full. Minimum payment due is 2% (for
cards with the Low Interest Rate option, the Low-Rate Gold
and Platinum cards) or 5% (for the Students, Classic, No-Fee
Gold and Travel Gold cards) of the total of: the balance
shown on the account statement for the previous period;
credit charges on purchases and monthly instalments that
EXAMPLES OF CREDIT CHARGES FOR
A 30-DAY BILLING CYCLE
ANNUAL
INTEREST RATE
AVERAGE DAILY BALANCE
$100
$500
$1,000
Regular interest rate
19.90%
$1.64
$8.18
$16.36
Low interest rate
12.90%
$1.06
$5.30
$10.60
Equal instalments
financing
19.90%
$1.64
$8.18
$16.36
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have not been paid on the due date for the current period
(see table below); regular purchases, cash advances and
cheques during the statement period and credit charges on
cash advances and cheques. To which are added: monthly
instalment(s) for the statement period, deferred payment
purchases due on the statement date, past due amounts, and
any other amount set out in the card contract. Enrolment or
renewal fees may apply depending on the card requested.
4. The ticket purchase or transaction must have been paid in
full with the Westminster Visa Desjardins card.
5. Insurance coverage applies to you, your spouse and your
dependent children. Some age-related restrictions apply.
For Emergency Health Care Coverage and Baggage
Coverage, you are only covered for trips of up to the
following duration: 59 years old or younger: 60 days, 60 to
64 years old: 31 days, 65 to 75 years old: 15 days, 76 years or
older: 15 days for Baggage Coverage and no Emergency
Health Care Coverage. No age or duration limit applies to
the other coverages. Insurance coverage is underwritten by
Desjardins Financial Security Life Assurance Company. This
document is provided for information purposes only. For
more details, refer to the insurance policies. Some
conditions and restrictions apply.
6.Your or your spouse's dependent grandchildren are covered
if they are under your direct responsibility and are not
accompanied by their parents during the trip. Your
grandchildren must be aged between 15 days and 18 years
and have no spouse. However, if they are enrolled full time
at an educational institution recognized by the competent
authorities, they must be aged 24 years or under.
7.The 1% cashback is paid on the portion of the purchases
made with the Visa Desjardins Platinum card that exceeds
C$20,000. The 1% cashback is paid on annual purchases
made on the Visa Desjardins Platinum card up to a
maximum of C$100,000 per account, for a maximum of
$800 per year. The 1% cashback is credited to the account
on the anniversary date of the account opening. If the
account is closed before the anniversary date of its opening,
no cashback will be paid. If the cardholder’s account is 90 or
more days past due and/or if the Visa Desjardins Platinum
card is cancelled by Desjardins Financial Group, the
cardholder loses his/her right to the 1% annual cashback
and no deposit will be made.
8. Selected products and services provided by participating
Westminster Savings branches.
9. Each request for payment of BONUSDOLLARS shall consist
of not less than 20 BONUSDOLLARS. Exclusive to prestige
cardholders (No-Fee Gold, Low-Rate Gold, Travel Gold and
Platinum).
10. The following attraction categories are not eligible for this
type of transaction: amusement parks, circuses, carnivals,
water parks, zoos and movie theatres.
11. Subject to credit approval by Desjardins Financial Group.
12. During business hours of Desjardins Card Services, a business
unit of Desjardins Financial Group.
13. Insurance is underwritten by Desjardins Financial Security
Life Assurance Company. Loss of employment protection is
underwritten by The Personal General Insurance Inc.
Eligibility: you must be between 18 and 64 years of age.
14. This amount may be higher or lower in some stores.
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The description of basic services, features and optional
programs is the most accurate possible at the time of
publication. You will be advised of any changes as soon as
possible. However, Desjardins Financial Group may not be held
liable for changes to, cancellation of, or replacement of the
discounts or advantages described herein. All amounts are in
Canadian dollars.
All rates and fees are effective as of August 31, 2015, and are
subject to change without notice.
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APPLY FOR YOUR
CARD TODAY!
Please contact your advisor for help choosing the card
that’s right for you.
Online
wscu.desjardins.com
By phone
1-800-363-3380
At your Westminster Savings branch
Ask an advisor to fill out an application with you.
This document is printed on Rolland Enviro paper.
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67207404 A (08-2015)
For information about our cards for businesses, visit
wscu.desjardins.com or speak to your advisor.
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