Are you interested in learning more about opening a bank account? You may be interested in the following information.

To help you make an informed choice when opening a bank account, refer to the website of the Financial Consumer Agency of Canada. Among other things, you will find information about:

  • your rights and responsibilities;
  • the pieces of identification required to open an account;
  • the financial institution’s obligations;
  • the types of fees that may apply to your account.

The rules about opening an account with a credit union are different. You can refer to the Desjardins website on this subject.

The Office de la protection du consommateur cannot help you if your debit card (ABM card or bank card) is the subject of fraud.

Potential solutions in cases of fraud

In cases of fraud with your debit card, you can:

  • contact your financial institution and your police service;
  • check your contract for the use of the card. You are sure to find relevant information.

Have your contacts with your financial institution not yielded results? Have you lost money? You can turn to your financial institution’s complaints processing system.

If you do business with a bank and your complaint was not processed to your satisfaction, you can file a complaint with the Ombudsman for Banking Services and Investments. If you do business with Desjardins, the Desjardins Group Ombudsman can help you.

Additional information

For more information about the procedures to undertake in cases of fraud and on how to protect yourself, refer to the website of the Canadian Anti-Fraud Centre.

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Last update : November 24, 2022

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The information contained on this page is presented in simple terms to make it easier to understand. It does not replace the texts of the laws and regulations.