Caisse solidaire

Caisse d’économie solidaire Desjardins (Caisse solidaire) is a Quebec-based cooperative financial institution within the Desjardins network that provides banking and credit services to individuals, nonprofits, cooperatives, and social enterprises. Membership is required and typically involves purchasing qualifying shares; organizations are generally asked for incorporation documents, bylaws, and board resolutions at onboarding. The caisse offers personal and business chequing and savings accounts, term deposits and registered plans, debit access, Interac e-Transfers, online and mobile banking, and standard domestic and international wire services delivered through Desjardins platforms. Credit products include mortgages, lines of credit, equipment and working-capital financing, and specialized facilities such as bridge loans tied to grant or contract receivables; underwriting weighs financial capacity alongside mission fit for organizations in the social economy. Pricing and fees are set by the caisse and broadly align with Desjardins schedules, varying by plan, transaction volume, and client type. Deposits are eligible for Quebec deposit insurance administered by the Autorité des marchés financiers, subject to statutory limits and conditions. Operations are primarily in Quebec, with service available via digital channels and call centres; in-person access depends on the caisse’s limited branch footprint. Applicants seeking project-based or mission-linked financing should expect additional documentation, covenants, and reporting requirements, and timelines may be influenced by coordination with public or philanthropic funding partners.