Optional Services

Business Cheque Service
Travel Plan
VISA Business Insurance
Travel assistance 24 hours a day, 7 days a week
Collision/damage insurance for rental cars
No fee travellers cheques
Business Expenses Management Plan

To respond to your company's and employees' specific needs

Business Cheque Service, an efficient payment method in any circumstance.

Drawn on the Business card account, Business cheques allow you to use your VISA Desjardins Business card as a line of credit. When you need to borrow money, just write a cheque on your VISA Desjardins Business card account within the credit limit available to you.

Maximize the potential of your credit limit by using cheques to pay a merchant who does not accept VISA cards or to cover unforeseen expenses!

The Business Cheque Service is available for an annual fee.

Travel Plan, to travel safely!

This plan offers a variety of coverage as well as additional services for your or your employees' business travels for an additional fee of $3.75 a month. This fee can be applied to the employee's account or to the secondary account.

• VISA Business Insurance
  • Hospital, medical and paramedical insurance
    • Automatic coverage in case of an accident or illness when the cardholder is out of his/her province of residence, regardless of the number of trips made during the year
    • Coverage of up to CDN$5 million for hospital, medical and paramedical care, some transportation fees (e.g., repatriation, ambulance), living expenses related to injury or illness and dental costs, in case of an emergency following an accident
  • Public Transportation Vehicle Accident Insurance
    • Automatic coverage on the condition that the travel ticket or short-term rental car was paid for with the VISA Desjardins Business card
    • Indemnity up to $125,000 if the cardholder travels aboard a public transportation vehicle and up to $25,000 if in a short-term rental car
  • Baggage insurance
    • Automatic coverage when airplane tickets were paid for with the VISA Desjardins Business card
    • Indemnity up to $300 in case of loss, theft or damages
    • The insurance also pays up to $150 for reasonable costs of purchasing clothing and toiletries if baggage is delayed more than 12 hours, and on the condition that the cardholder does return to his/her departure point
  • Disability insurance
    • Automatic coverage
    • Indemnity up to $10,000 in case of total permanent disability
  • Accidental death or dismemberment insurance
    • Automatic coverage
    • Indemnity up to $5,000 if the accident occurs on a business trip or up to $2,000 on other trips. Travel between the cardholder's home and usual place of work is not covered.
• Travel assistance 24 hours a day, 7 days a week in any emergency
  While on any business trip outside your province of residence, you can rely on our Travel Assistance Service in the event of unexpected medical emergencies or hospitalization.
  • Referral to physicians or health-care institutions and help with hospital admission
  • Cash advances at the hospital
  • Return to your place of residence
  • Dispatch of medical assistance and medication if you are too far from a health-care institution
  • The necessary measures to send for an immediate family member if you must remain in hospital at least seven days, under physician's orders
  • Assistance in obtaining temporary documentation so that your trip may continue in the case of loss or theft of identification papers
  • Referral to legal counsel in case of legal problems
• Collision/damage insurance for rental cars
  • Automatic coverage on the condition that the entire car rental was paid for with your VISA Desjardins Business card and that you declined insurance offered by the rental agency
  • The rental period must not exceed 48 consecutive days
  • In case of theft or accident, the indemnity for material damages may correspond to the total value of the vehicle plus acceptable charges for loss of enjoyment
• No fee travellers cheques
  • Travellers cheques are available in Canadian or US dollars, Euros or pounds sterling
  • No administrative costs
  • Available at any Westminster Savings branch upon presentation of your VISA Desjardins Business card

Business Expenses Management Plan, an indispensable tool for identifying potential savings and effective cost control for your company, by employee and by expense category.

This plan is optional and is offered for an additional fee of $15 per year. This plan gives you:

• A wide range of reports detailing the nature and origin of expenses.
• Reports that correspond to your needs.

To register your company for this service, contact our Customer Service department at 1-800-266-5662

The main monthly reports available are:

BCR 110: Company statistics analysis
This report profiles the status of your accounts as well as a summary of expenses incurred by employee Business cardholders.

BCR 170: Merchant summary analysis
This report summarizes transactions for the month and the current year for each merchant. There is a separate section for each of the four main travel expense categories: airfare, other travel, hotel and lodging and car rental. The company may establish thresholds for each travel expense category. Merchants with monthly expenses exceeding these thresholds will be identified by an asterisk in the "High Use" column.

BCR 180: Employee spending analysis
This report includes a summary of the month's transactions and those for the current year by travel expense category (airfare, other travel, hotel and lodging, car rental, automotive expenses, food and beverage, cash advances), for each account. Cardholder accounts with monthly expenses exceeding the average for a particular management level in any given category will be marked with an asterisk.

The following reports are also available:

BCR 130: Special situation report
This report lists accounts requiring particular attention, examination or control (e.g., when account balance is past due).

BCR 135: Cardholders list
This monthly, quarterly or annual report provides an alphabetical list of all Business cardholders as well as their addresses, management-level names and numbers and account status. In order to meet your specific information needs, the last two columns of the report may include any data it deems relevant, such as cardholder cost centres, employee numbers and social insurance numbers.

BCR 140: Individual account summary
This report summarizes cardholders' transactions and account status for the current month.

BCR 185: Country spending analysis
This report summarizes cardholders' expenses by country, in each currency for each travel expense category.

To apply for a card, simply visit your Westminster Savings branch.