What is the Desjardins routing number?

Desjardins does not have a single routing number. Because Desjardins is a federation of independent caisses populaires (cooperative credit unions), each caisse has its own transit number. The institution number prefix for Desjardins caisses is 815 (for most Quebec caisses). Your full 9-digit routing number is 0 + your 5-digit transit number + 815. You must find your specific transit number on a void cheque, in the AccèsD online banking portal, or by contacting your caisse.

What is the Desjardins institution number?

Most Desjardins caisses use institution number 815. Some specialized Desjardins entities may use different institution codes. The 9-digit EFT (electronic funds transfer) format for a Desjardins account is: 0 + [5-digit transit number] + 815. For example, if your caisse transit number is 90001, the 9-digit routing number is 090001815.

How do I find my Desjardins transit number?

Your Desjardins transit number is specific to your caisse (local branch). Find it in three ways: (1) On a void cheque — the 5-digit number in the middle of the MICR line at the bottom. (2) In AccèsD online banking — log in, select your account, and look for Account Details or Direct Deposit Information. (3) Contact your caisse directly — call or visit with your account information. Because each caisse is independent, there is no universal lookup. The transit number identifies your specific caisse within the Desjardins federation.

What is the SWIFT code for Desjardins?

The SWIFT/BIC code for Desjardins (Fédération des caisses Desjardins du Québec) is CCDQCAMM. This is used for international wire transfers sent to a Desjardins account in Quebec. For Ontario Desjardins accounts, contact your caisse to confirm the appropriate SWIFT code, as some Ontario-based Desjardins entities may use a different routing path.

Is Desjardins routing the same as a bank routing number?

Functionally, yes — Desjardins routing numbers work within the same Canadian clearing system used by banks. The format is identical: institution number + transit number. The difference is that Desjardins has no single institution-wide routing number — each caisse has its own transit number under the institution prefix 815. A void cheque from your Desjardins caisse will show all the information a payroll system or employer needs for direct deposit.

Can I set up CRA direct deposit with a Desjardins account?

Yes. To set up CRA direct deposit (tax refunds, GST/HST credit, CCB, OAS, CPP): log in to My CRA Account at canada.ca → Direct Deposit → enter your Desjardins transit number, institution number (815), and account number. These three numbers are on your void cheque or in AccèsD online banking.

Desjardins Routing Number 2026 | Transit & Institution Number

Desjardins does not have a single national routing number. As a federation of independent caisses populaires rather than a centralized bank, each caisse has its own transit number. The institution number for most Desjardins caisses is 815.

Your complete 9-digit routing number: 0 + [your caisse transit] + 815

Desjardins Routing Number Summary

Field	Value	Notes
Institution number	815	Used by most Desjardins caisses
Transit number	5 digits	Specific to your caisse — varies
9-digit EFT format	0TTTTT815	0 + transit (5 digits) + 815
SWIFT / BIC code	CCDQCAMM	For international wire transfers

Why Desjardins Has No Single Routing Number

Desjardins is a cooperative federation of independent caisses populaires — not a single centralized bank. Each caisse is legally and operationally distinct, serving its member community. As a result:

Each caisse has its own 5-digit transit number
All caisses share the institution prefix 815 (for most Quebec-based caisses)
There is no master Desjardins routing number that applies to all members

This is different from banks like RBC (institution 003) or TD (institution 004), where every branch uses the same institution number and only the transit varies. At Desjardins, both the transit number and the institution number need to be confirmed through your account.

How to Find Your Desjardins Transit Number

Method 1: Void cheque The bottom of a Desjardins cheque contains three MICR numbers:

Cheque number
Transit number (5 digits) — the middle set
Institution number: 815
Account number

Method 2: AccèsD online banking

Log in to AccèsD at desjardins.com
Select your account
Look for Account Details or Direct Deposit Info
Transit number, institution number (815), and account number are listed

Method 3: Contact your caisse

Call your caisse directly or visit in person
Have your account number ready to verify your identity

Method 4: AccèsD mobile app

Open the Desjardins app → select account → Account Details

9-Digit EFT Routing Number Examples

Canadian EFT format: 0 + [5-digit transit] + [3-digit institution]

Example Transit	9-Digit Routing Number
90001	090001815
92000	092000815
93500	093500815

These are illustrative only — your actual transit number must come from your void cheque or AccèsD account details.

International Wire Transfers to Desjardins

Field	Value
SWIFT / BIC	CCDQCAMM
Bank name	Fédération des caisses Desjardins du Québec
Bank address	100 Avenue des Commandeurs, Lévis, QC G6V 7N5

For receiving international wire transfers, also provide:

Your account number
Your caisse transit number
Institution number: 815

Direct Deposit Setup

For employer payroll or CRA direct deposit:

Field	Value
Institution name	Desjardins (your caisse name)
Institution number	815
Transit number	Your 5-digit caisse transit
Account number	Your account number

For CRA: log in to My CRA Account → Direct Deposit → enter the three numbers above.