General Ledger + Converter in one subscription.
See pricingBY BANK · DESJARDINS
Log in to AccèsD, select your everyday account under Accounts, open Statements and choose the month (Desjardins keeps them 7 years). Save the PDF and upload it to the ZeraBooks bank statement converter to download Excel or CSV, with the rows checked against the balances printed on the statement.
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EVERYDAY ACCOUNT
These are the steps on Desjardins’ documents and statements page, checked October 2026. Online statements need a one-time registration first.
Until you do, statements don’t show up online. After you register, paper statements stop.
Printing works only in a web browser, not in the mobile app, so use a computer for a run of months.
In the app: Accounts, See all, then the account.
Each month’s statement appears on the first day of the next month and stays retrievable for 7 years.
Keep one file per month. Desjardins sends no notification for account statements, so add a monthly reminder.
We set you up and catch up your past months for free. Then ZeraBooks keeps your books done.
FROM PDF TO ROWS
Here is a real run in ZeraBooks Convert. The statement belongs to Boulangerie Saint-Roch, a fictional bakery: its September compte d’opérations (in French) statement with 13 transactions, file Desjardins_releve_operations_81234_2026-09.pdf. Convert read every line and proved $14,378.90 − $3,607.30 = $10,771.60, the closing balance printed on the statement, before offering the download.
The PDF as uploaded
The same statement in ZeraBooks
DESJARDINS CREDIT CARDS
Card statements sit on the card’s own page, per Desjardins’ credit card help:
On the home page, under Cards, loans and credit, select your card. Open the Statements tab, click View all statements, then View PDF.
Accounts, See all, then your card under Cards, loans and credit. Tap Statements, View latest statement, then View PDF.
You must be signed up for online statements and documents to see card statements on AccèsD.
DESJARDINS’ OWN RULES
Checked October 23, 2026 on the bank's own pages: Documents and statements · Transaction codes · View a credit card statement.
TRANSACTION CODES
Desjardins prints a 3-letter code beside each transaction and publishes the full list. These are the ones a small business sees most, with Desjardins’ own definitions:
| Code | Desjardins’ definition | Money in or out |
|---|---|---|
| DIR | Direct deposit | In |
| MCD | Mobile cheque deposit | In |
| INT | Interest on Everyday Transaction Account | In |
| ACB | AccèsD bill payment | Out |
| ATW | ATM withdrawal | Out |
| CHQ | Cheque | Out |
| DW | Preauthorized payment | Out |
| PAP | Preauthorized purchase | Out |
| ADM | Service charges | Out |
| ACT | Transfer between accounts | Either |
An “I” in front of a code means the transaction was made at a caisse you’re not a member of (inter-caisses), so IATW is still an ATM withdrawal. Desjardins’ statement also shows the folio number, the period, the transaction date, the description and the balance after each transaction.
WORKED EXAMPLE
Atelier Boréal is a fictional Quebec studio. Its September 2026 everyday account statement opens at $1,962.40. In the Standard format, money out is a minus and the code meanings help you check each row:
| Date | Code on statement | Description | Amount |
|---|---|---|---|
| 09/02/2026 | DIR | Client payment | 1,480.00 |
| 09/08/2026 | ACB | Hydro bill | -236.18 |
| 09/12/2026 | ATW | Cash, ATM | -100.00 |
| 09/19/2026 | PAP | Software subscription | -54.99 |
| 09/30/2026 | ADM | Monthly service charges | -4.95 |
| 09/30/2026 | INT | Interest | 0.38 |
| Opening 1,962.40 + rows | 3,046.66 |
The proof: money in 1,480.00 + 0.38 = 1,480.38, money out 236.18 + 100.00 + 54.99 + 4.95 = 396.12, and 1,962.40 + 1,480.38 − 396.12 = 3,046.66, the balance after the last transaction. The Standard file itself has Date, Description and Amount; the code column here is shown for reading alongside the statement.
BEFORE YOU CONVERT
Desjardins publishes its site in French and English. Convert keeps each description exactly as printed, so a line printed in French comes out in French.
Every Convert format writes MM/DD/YYYY. In a spreadsheet set to day-first dates, import the column as month-first so 09/08 reads as September 8.
Convert checks the rows against the balances printed on the statement. If an account prints none, it stays at Needs a look even when every line was read correctly, so compare it with the PDF.
ACT lines moving money between your own Desjardins accounts are transfers, not income or spending. Treat them that way in your books.
ZeraBooks never asks for your AccèsD sign-in. You save the PDF and upload it.
WITH ZERABOOKS
PROVEN TO THE CENT
Convert adds the lines it read to the starting balance and compares the total with the balance on the page. A missed ATM withdrawal shows up as a difference of exactly that amount. The method is the same one used in convert a bank statement to CSV.
How Convert proves a statement
READY-MADE FORMATS
Standard, Money in and out, QuickBooks-ready, Xero-ready, Sage-ready or All details, with every row’s Type set from the line. Download a year of Desjardins statements in one file with an Account column, or one tab per account.
Choose a download format
MORE BANKS
AccèsD gives you the statement to view, print or save. To turn a saved statement PDF into Excel or CSV with the balances checked, convert it.
Desjardins says the online account statement is available on the first day of the month and is retrievable for 7 years.
Desjardins says printing isn’t available in the mobile app. Log in to AccèsD in a web browser to print or save the PDF.
It marks a transaction made at a caisse you’re not a member of (inter-caisses). The rest of the code means the same thing.
Yes. Convert reads statement PDFs from any bank, from other Canadian banks such as RBC to U.S. ones such as Chase and U.K. ones such as Monzo. More on converting Canadian bank statements.
Convert comes with the ZeraBooks subscription: 1,000 pages a month for $79 a month billed annually or $149 monthly, in U.S. dollars, after a 7-day trial. See ZeraBooks pricing.
FREE SETUP + CATCH-UP
Upload the PDFs, check each proof line, download Excel or CSV. 1,000 pages a month from $79 a month billed annually. The same subscription includes AI bookkeeping, if you want those statements categorized into books.