While cheques are not as popular as they used to be, you may need to provide a Desjardins void or specimen cheque to your employer so they can pay you by direct deposit.
Desjardins cheques may also come in handy when you need to make payments using pre-authorized debits, such as your rent, mortgage, or insurance payments.
How To Get a Desjardins Void Cheque (Specimen Cheque) Online
If you have a Desjardins cheque book, you can simply write “VOID” across the front of it using a pen.
This voids the cheque and you can share it with whoever needs it (e.g. an employer, client, vendor, or insurance company).
If you don’t have a cheque book, you can order one from Desjardins online via AccèsD by following these steps:
- Sign in to Desjardins AccèsD online portal
- Click more options in the right-hand menu
- Slelect “Order cheques”
- Design the cheque style you want and place an order (quantities of 50 or 100)
Alternatively, you can get a Desjardins specimen cheque by downloading it online using these steps:
- Sign in to your AccèsD
- Select “More options” and click on “Void cheques”
- You can print or save your void cheque as needed
How To Read a Desjardins Specimen Cheque
The contents of a cheque are fairly standard across Canadian financial institutions.
A specimen cheque is often required when you need to set up direct deposits to your bank account or pre-authorized debits (such as loan repayments, rent, or childcare).
Since cheques contain all your bank account information, the recipient can easily use the numbers on them to set up a connection to your bank account – for both deposits and withdrawals.
A Desjardins void cheque is also referred to as a Desjardins “specimen” or “sample” cheque.
So, what information does a Desjardins sample cheque provide? The most important information to note include:
1. Name: Your name is printed at the top of the cheque. This indicates you (the “drawer”) who owns the bank account from which funds are being withdrawn. Your home address is also printed under your name.
2. Beneficiary (payee): This section is where you write the name of the individual or organization to whom you are making a payment. For a void or sample Desjardins cheque, this section is left blank.
3. Bank account and branch details: This section includes the bank name and the address of the bank branch where your account is held.
4. Cheque number: This 3-digit number is what the bank uses to identify the cheque transaction in your bank statement. On your Desjardins cheque, it is the first set of numbers on the MICR (Magnetic Image Character Recognition) encoding line as well as on the top right corner of the cheque.
5. Transit (branch) number: This 5-digit number refers to the specific bank branch where you initially opened your bank account. Bank transit numbers are maintained by Payments Canada and you can view the entire list via its Financial Institutions Branch Directory (FIBD).
6. Financial institution number: This 3-digit number is also referred to as the bank code. Desjardins institution number is 815.
7. Account number: This 7-12 digit number identifies your bank account. Desjardins bank account numbers are 7-digits and have two dashes or spaces included.
When you combine Desjardins institution number and transit number and add a leading zero “0”, you get your routing number.
How To Write a Desjardins Cheque
On every cheque, you want to properly identify who is making a payment (i.e. yourself- known as “drawer”), the beneficiary (payee), and the amount.
Follow these steps to write a Desjardins cheque:
- Write the date on the right-hand corner where you have “DATE”.
- Write the name of the person you are paying on the line where you have “pay to the order of”.
- Write the amount of the cheque in dollars and cents in the line below “Pay to the order of”. For example, if you are paying them $1,000.70, you can write “One thousand dollars and 70/100”. You should also write the amount in figures in the box where you have the $ sign.
- Include the reason for the cheque in the “MEMO” line.
- Finalize your cheque by signing it on the line in the bottom right corner.
Your Desjardins cheque is now ready to be cashed by the bearer.
Desjardins Void Cheque FAQ
You can print off a Desjardins void cheque sample from your Desjardins AccèsD online banking account.
The cost of a Desjardins cheque book varies depending on the amount you order and the cheque style.
A certified cheque at your request costs $15 each.
You can order Desjardins cheques online for a fee that is dependent on the supplier, Finastra. While you can print your own cheques in Canada, they will need to meet certain requirements, including ensuring that your bank account information is written in magnetic ink.
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