I am IT

re you self-employed?

Does your passion for tech keep you busy from morning to night, leaving you little time to manage your finances? That’s why we’ve designed simple and direct offers that are tailor-made for you. When it comes to taking care of your personal and professional finances, you can count on the caisse.   


Refer a colleague or friend working in IT and we’ll give you $50 when they open an account.



Unlimited transactions plan

  • Starting at $13.95 a month;

  • Transactions, access card, cheques, counter service, ATMs, etc.;

  • Free when you maintain $4,000 in your account;

  • Manage your account online and on the app.

Independent, alternative and affordable plans

  • A range of plans to choose from based on your needs and number of transactions;

  • Free when you maintain a minimum amount in your account;

  • Manage your account online, or on the online or mobile app;  

  • Free Interac transfers.


No stress between contracts

A financial solution made for freelancers that allows you to fill in the gaps between contracts.

Guaranteed investments, RRSPs and TFSAs

  • Unique benefits;

  • Save money tax-free;

  • High performance;

  • Investment strategy and combinations.

My Future program

Having a financial plan is key to saving. Your advisor will take the time to meet with you to understand your objectives, analyze your financial situation and propose the best plan of action. If anything changes in your life, your plan can be modified at any time.

  • Free of charge to create and modify the plan;

  • Wealth management and retirement planning;

  • Analysis of your financial situation and recommendations;

  • Long-term support.

Hop ‘n S@ve

An instant savings tool available on the app and AccèsD online. Create your savings project, choose a category and set your goals. It’s never too early (or too late!) to start saving.

Loans and mortgages

Personal loans

  • Preferential rates;

  • Custom financing and support.


  • Preferential rates;

  • Mortgage options based on your profile.

Credit cards tailored to your needs

  • No annual fees depending on your card type;

  • Cash back or bonus dollars on your purchases; 

  • Visa or MasterCard;

  • 3-day travel insurance without fees;

  • Insurance for your mobile device;

  • Various discounts (gym memberships, car rentals, phone plans, etc.).


Exclusive contests for members

Never miss an opportunity to win. Throughout the year, you can take part in contests reserved exclusively for members of the IT community for a chance to win surprise gifts, tickets for IT events, tech giveaways, video games and more.



Home, auto and liability

  • Competitive rates;

  • Complete and customized protection;

  • Insure your apartment for less than a dollar a day;

  • Double contract discount if you combine renter and auto insurance;

  • Same address discount up to 15% if you stay in one place for a year or more;

  • Quick and easy quote application online;

  • $50 annual discount per insured car and free roadside assistance if you’re 25 or younger.


  • Complete and customized protection for dental work, physiotherapy and more;

  • Meeting with an expert.

Community engagement

Being a member of the Caisse des Technologies de l’information means being involved in the IT community. The caisse invests in, among other things, the following important causes:

  • Cyber addiction, in partnership with Fondation Le Grand Chemin, providing adolescents and their parents with information, identification and detection tools as well as treatment services, notably through dedicated centres;  

  • Promoting and supporting women in IT. Women make up only a small share of IT professionals, and even fewer women hold decision-making roles. The caisse aims to improve these numbers, as well as the professional integration and career advancement of women in tech.

Becoming a caisse member means supporting your community. When you open an account with the caisse, we donate $25 on your behalf to these two important causes.


    Kick-start your self-employed career

    The best financial institution to ensure your success.  


    Créavenir is a program designed for young entrepreneurs aged 18 to 35 with a viable business plan, or with a business that’s less than 3 years old, looking for an alternative to traditional financing options.

    The benefits:

        • Support and mentoring

        • Financial aid in the form of loans (line of credit, credit card with preferential rates, etc.) and grants

    (Subject to the project’s viability and meeting the required conditions).

    Welcome kit

        • Cash back paid to your account: from $75 to $125, and up to $250 off Desjardins HR and payroll service fees; 

        • Exclusive benefits and discounts on a range of products; 

        • Access to Desjardins experts and various support tools.

    (Reserved for new Desjardins business members who, up to 6 months of opening an account, sign up for a transactional plan and a Free Business Solutions plan of $5,000 or more).

    Cash management

    Business accounts

    • Several possibilities including a business chequing account, savings account and Business Advantage account.


    • Several options depending on the number of transactions you make;

    • User fee savings for day-to-day operations;

    • Free registration to AccèsD Affaires (not including the optimal offer).

    Account services

    • Mobile or remote (by scanner) deposits at any time;

    • AccèsD Business card;

    • Cheque imaging;

    • Consolidation of accounts;

    • And more.

    Credit cards and financing

    Credit card

    • Large choice of cards;

    • Additional cards at no cost;

    • Business Savings program that gives you 1% cash back on your business expenses.  


    • Line of credit with a high acceptance rate;

    • Short and long term;

    • Real estate financing.

    Investments and placements

    • Brokerage services;

    • International asset management;

    • Guaranteed investments;

    • Mutual funds. 


    Damage insurance

    • Property and liability insurance;

    • Commercial vehicle insurance.

    Travel insurance

    •  24/7 assistance;

    • Multiple annual travel insurance options available.

    Life and health insurance

    • Life insurance;

    • Health and disability insurance.

    Credit insurance

    • Loan insurance;

    • Line of credit insurance;

    • Business credit balance insurance.


    Our support for the unexpected

    We’re here to support and help you overcome the challenges faced by self-employed IT workers.

    • Flex IT: Had a contract cancelled or postponed? We can adapt your financial plan to fit, reviewing your line of credit to support you when you need;

    • Disability insurance: If you have to stop working due to an accident or illness, we protect your income or ability to repay your loans (mortgages, credit cards, car rentals, etc.);

    • Retirement analysis and planning.

    Our professional support

    Leverage our network to grow your business:

    • Opportunities for independent contracts with our business members and partners.

    • Access to webinars hosted by accountants, tax specialists, entrepreneurs, etc.;

    • Invitations to networking events for caisse members (businesses, entrepreneurs, freelancers and more);

    • Strong partnerships in the IT community.

    Our personal support

    You can count on us at every stage of your life:

    • An advisor assigned to take care of your personal and professional accounts;

    • A team that understands the IT sector and turnover rate;

    • Mentoring opportunities with our partners;

    • Long-term coaching

    • Access to our online advisor tool, the simplest way to reach your advisor anytime, anywhere.