{"id":16369,"date":"2025-03-04T19:56:39","date_gmt":"2025-03-04T19:56:39","guid":{"rendered":"https:\/\/fnchildclaims.ca\/?page_id=16369"},"modified":"2025-04-24T23:04:32","modified_gmt":"2025-04-24T23:04:32","slug":"comptes","status":"publish","type":"page","link":"https:\/\/fncclaims.thedev.ca\/fr\/indemnisation\/if\/comptes\/","title":{"rendered":"Comptes financiers"},"content":{"rendered":"<p><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-1 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-right-small:10px;--awb-padding-left-small:10px;--awb-background-color:#fbf5cb;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-center\" style=\"max-width:calc( 1170px + 0px );margin-left: calc(-0px \/ 2 );margin-right: calc(-0px \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-0 fusion-flex-column yellow-alert fusion-no-small-visibility\" style=\"--awb-padding-right-small:5px;--awb-padding-left-small:5px;--awb-bg-size:cover;--awb-width-large:6%;--awb-margin-top-large:0px;--awb-spacing-right-large:0px;--awb-margin-bottom-large:0px;--awb-spacing-left-large:0;--awb-width-medium:16.666666666667%;--awb-order-medium:0;--awb-spacing-right-medium:0px;--awb-spacing-left-medium:0;--awb-width-small:16.666666666667%;--awb-order-small:0;--awb-spacing-right-small:43px;--awb-spacing-left-small:0;\" data-motion-effects=\"[{&quot;type&quot;:&quot;&quot;,&quot;scroll_type&quot;:&quot;transition&quot;,&quot;scroll_direction&quot;:&quot;up&quot;,&quot;transition_speed&quot;:&quot;1&quot;,&quot;fade_type&quot;:&quot;in&quot;,&quot;scale_type&quot;:&quot;up&quot;,&quot;initial_scale&quot;:&quot;1&quot;,&quot;max_scale&quot;:&quot;1.5&quot;,&quot;min_scale&quot;:&quot;0.5&quot;,&quot;initial_rotate&quot;:&quot;0&quot;,&quot;end_rotate&quot;:&quot;30&quot;,&quot;initial_blur&quot;:&quot;0&quot;,&quot;end_blur&quot;:&quot;3&quot;,&quot;start_element&quot;:&quot;top&quot;,&quot;start_viewport&quot;:&quot;bottom&quot;,&quot;end_element&quot;:&quot;bottom&quot;,&quot;end_viewport&quot;:&quot;top&quot;,&quot;mouse_effect&quot;:&quot;track&quot;,&quot;mouse_effect_direction&quot;:&quot;opposite&quot;,&quot;mouse_effect_speed&quot;:&quot;2&quot;,&quot;infinite_animation&quot;:&quot;float&quot;,&quot;infinite_animation_speed&quot;:&quot;2&quot;}]\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><i class=\"fb-icon-element-1 fb-icon-element fontawesome-icon fa-exclamation fas circle-yes fusion-text-flow\" style=\"--awb-iconcolor:var(--awb-custom_color_3);--awb-iconcolor-hover:var(--awb-custom_color_3);--awb-circlecolor:var(--awb-color5);--awb-circlecolor-hover:var(--awb-color5);--awb-circlebordercolor:var(--awb-color5);--awb-circlebordercolor-hover:var(--awb-color5);--awb-circlebordersize:0px;--awb-font-size:28.16px;--awb-width:56.32px;--awb-height:56.32px;--awb-line-height:56.32px;--awb-margin-right:16px;\"><\/i><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-1 fusion_builder_column_5_6 5_6 fusion-flex-column\" style=\"--awb-padding-left-small:0px;--awb-bg-size:cover;--awb-width-large:83.333333333333%;--awb-margin-top-large:0px;--awb-spacing-right-large:0;--awb-margin-bottom-large:0px;--awb-spacing-left-large:0;--awb-width-medium:83.333333333333%;--awb-order-medium:0;--awb-spacing-right-medium:0;--awb-spacing-left-medium:0;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:0;--awb-spacing-left-small:0;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-1 fusion-text-no-margin\" style=\"--awb-margin-top:20px;--awb-margin-bottom:20px;--awb-text-font-family:var(--awb-typography5-font-family);--awb-text-font-weight:var(--awb-typography5-font-weight);--awb-text-font-style:var(--awb-typography5-font-style);\"><p><strong>Important :<\/strong> [glossary-ignore]Vous pouvez d\u00e9sormais soumettre une r\u00e9clamation pour le groupe des enfants retir\u00e9s de leur foyer et le groupe des familles des enfants retir\u00e9s de leur foyer. <a href=\"https:\/\/fncclaims.thedev.ca\/fr\/reclamations\/\">Apprenez-en plus sur la mani\u00e8re de remplir une r\u00e9clamation.<\/a>[\/glossary-ignore]<\/p>\n<\/div><\/div><\/div><\/div><\/div>\n<div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-2 fusion-flex-container has-pattern-background has-mask-background not-to-print nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-top:20px;--awb-padding-right-small:10px;--awb-padding-left-small:10px;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start\" style=\"max-width:1216.8px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-2 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-breadcrumbs awb-yoast-breadcrumbs fusion-breadcrumbs-1\"><span><span><a href=\"https:\/\/fncclaims.thedev.ca\/fr\/\">Accueil<\/a><\/span><\/span><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-3 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start\" style=\"max-width:1216.8px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-3 fusion_builder_column_2_3 2_3 fusion-flex-column\" style=\"--awb-padding-top:20px;--awb-padding-right:20px;--awb-padding-bottom:20px;--awb-padding-left:20px;--awb-bg-color:var(--awb-custom_color_1);--awb-bg-color-hover:var(--awb-custom_color_1);--awb-bg-size:cover;--awb-width-large:66.666666666667%;--awb-margin-top-large:20px;--awb-spacing-right-large:2.88%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:2.88%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-2\" style=\"--awb-font-size:15px;\"><p>Cette page contient les informations suivantes : <\/p>\n<ul>\n<li><a href=\"#opening\">Ouvrir un compte dans une banque ou une coop\u00e9rative de cr\u00e9dit<\/a><\/li>\n<li><a href=\"#types\">Types de comptes financiers<\/a><\/li>\n<li><a href=\"#questions\">Questions \u00e0 poser \u00e0 votre banque, coop\u00e9rative de cr\u00e9dit ou professionnel de la finance<\/a><\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div><\/div><div id=\"opening\" class=\"fusion-container-anchor\"><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-4 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-top:0px;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start\" style=\"max-width:1216.8px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-4 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-1 fusion-sep-none fusion-title-text fusion-title-size-two\"><h2 class=\"title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;text-transform:none;--fontSize:50;line-height:1.4;\">Ouvrir un compte dans une banque ou une coop\u00e9rative de cr\u00e9dit<\/h2><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-5 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start\" style=\"max-width:1216.8px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-5 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-3\"><p><span data-contrast=\"none\">Avant d&rsquo;encaisser votre indemnisation, examinez les options qui s&rsquo;offrent \u00e0 vous pour vous assurer de recevoir le montant maximum. En la d\u00e9posant sur un compte de ch\u00e8ques ou d&rsquo;\u00e9pargne \u00e0 frais r\u00e9duits ou gratuits dans une banque ou une caisse d&rsquo;\u00e9pargne et de cr\u00e9dit, vous recevrez le montant total de votre indemnisation. &nbsp;<\/span><span data-ccp-props=\"{\"335559737\":141}\">&nbsp;<\/span><span data-ccp-props=\"{\"335559737\":141}\">&nbsp;<\/span><\/p>\n<p><span data-contrast=\"none\">En revanche, les soci\u00e9t\u00e9s d&rsquo;encaissement de ch\u00e8ques ou de pr\u00eats sur salaire facturent souvent des taux d&rsquo;int\u00e9r\u00eat et des frais \u00e9lev\u00e9s, ce qui signifie que vous vous retrouverez avec moins d&rsquo;argent..<\/span><span data-ccp-props=\"{\"335559737\":141}\">&nbsp;<\/span><\/p>\n<p>Si la communaut\u00e9 dans laquelle vous vivez ne dispose pas d&rsquo;une succursale locale d&rsquo;une banque ou d&rsquo;une coop\u00e9rative de cr\u00e9dit, vous pouvez envisager d&rsquo;ouvrir un compte en ligne. Vous pouvez le faire sans avoir \u00e0 vous d\u00e9placer physiquement. <\/p>\n<p>Quels que soient vos besoins et vos objectifs, il peut \u00eatre utile de discuter de vos options avec une banque, une coop\u00e9rative de cr\u00e9dit, une organisation ou une personne de confiance qui s&rsquo;y conna\u00eet en finances.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-6 fusion_builder_column_1_2 1_2 fusion-flex-column\" style=\"--awb-padding-top:20px;--awb-padding-right:20px;--awb-padding-bottom:20px;--awb-bg-size:cover;--awb-border-color:var(--awb-color5);--awb-border-top:0;--awb-border-bottom:0;--awb-border-left:0;--awb-border-style:dotted;--awb-width-large:50%;--awb-margin-top-large:0px;--awb-spacing-right-large:3.84%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:3.84%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-video fusion-youtube\" style=\"--awb-max-width:600px;--awb-max-height:360px;\"><div class=\"video-shortcode\"><div class=\"fluid-width-video-wrapper\" style=\"padding-top:60%;\" ><iframe class=\"fusion-hidden\" data-privacy-type=\"youtube\" src=\"\" title=\"YouTube video player 1\" data-privacy-src=\"https:\/\/www.youtube.com\/embed\/fM9xIO9zvEI?wmode=transparent&autoplay=0\" width=\"600\" height=\"360\" allowfullscreen allow=\"autoplay; fullscreen\"><\/iframe><div class=\"fusion-privacy-placeholder\" style=\"width:600px; height:360px;\" data-privacy-type=\"youtube\"><div class=\"fusion-privacy-placeholder-content\"><div class=\"fusion-privacy-label\">For privacy reasons YouTube needs your permission to be loaded. For more details, please see our <a class=\"privacy-policy-link\" href=\"https:\/\/fncclaims.thedev.ca\/privacy-policy\/\" rel=\"privacy-policy\">Privacy Policy<\/a>.<\/div><a href=\"\" data-privacy-type=\"youtube\" class=\"fusion-button button-default fusion-button-default-size button fusion-privacy-consent\">I Accept<\/a><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-7 fusion-flex-column fusion-flex-align-self-center\" style=\"--awb-padding-top:20px;--awb-padding-right:20px;--awb-padding-bottom:20px;--awb-padding-left:20px;--awb-overflow:hidden;--awb-bg-color:var(--awb-custom_color_2);--awb-bg-color-hover:var(--awb-custom_color_2);--awb-bg-size:cover;--awb-border-color:var(--awb-color6);--awb-border-top:0;--awb-border-right:0;--awb-border-bottom:4px;--awb-border-left:0;--awb-border-style:dotted;--awb-border-radius:10px 10px 0px 0px;--awb-width-large:42%;--awb-margin-top-large:0px;--awb-spacing-right-large:4.5714285714286%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:4.5714285714286%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-4\"><p><a href=\"https:\/\/fncclaims.thedev.ca\/fr\/indemnisation\/if\/vous-preparer\/\">En savoir plus sur la planification de la<br \/>r\u00e9ception de l&rsquo;argent de l&rsquo;indemnisation \u2192<\/a><\/p>\n<ul>\n<li><a href=\"https:\/\/fncclaims.thedev.ca\/wp-content\/uploads\/2025\/03\/Financial-Accounts-Brochure-EN.pdf\">Brochure<\/a><\/li>\n<\/ul>\n<\/div><div class=\"fusion-text fusion-text-5\"><p><a href=\"https:\/\/fncclaims.thedev.ca\/fr\/indemnisation\/if\/vous-preparer\/\">En savoir plus sur les<br \/>diff\u00e9rents comptes financiers \u2192<\/a><\/p>\n<ul>\n<li><a href=\"https:\/\/fncclaims.thedev.ca\/wp-content\/uploads\/2025\/03\/Financial-Information-Brochure-EN.pdf\">Brochure<\/a><\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-6 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start\" style=\"max-width:1216.8px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-8 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-2 fusion-sep-none fusion-title-text fusion-title-size-three\"><h3 class=\"title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;text-transform:none;--fontSize:30;line-height:1.25;\">Pourquoi ouvrir un compte dans une banque ou une coop\u00e9rative de cr\u00e9dit?<\/h3><\/div><div class=\"fusion-text fusion-text-6\"><p>Ouvrir un compte offre plusieurs avantages\u202f: <\/p>\n<\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-9 fusion_builder_column_1_2 1_2 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:50%;--awb-margin-top-large:0px;--awb-spacing-right-large:3.84%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:3.84%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-7\"><ul>\n<li>Votre argent est en s\u00e9curit\u00e9. Votre argent ne sera pas perdu ou vol\u00e9. <\/li>\n<li>Vous obtenez une aide pour g\u00e9rer votre argent. Vous pouvez suivre vos d\u00e9penses et planifier l&rsquo;avenir. <\/li>\n<li>Vous \u00e9conomisez plus d&rsquo;argent. Contrairement aux services d&rsquo;encaissement de ch\u00e8ques et de pr\u00eats sur salaire, la plupart des banques et des coop\u00e9ratives de cr\u00e9dit facturent peu ou pas de frais pour d\u00e9poser votre ch\u00e8que, ce qui vous permet de conserver une plus grande partie de votre indemnisation. <\/li>\n<\/ul>\n<\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-10 fusion_builder_column_1_2 1_2 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:50%;--awb-margin-top-large:0px;--awb-spacing-right-large:3.84%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:3.84%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-8\"><ul>\n<li>Votre vie est facilit\u00e9e. Payez des factures, retirez de l&rsquo;argent et effectuez des achats en ligne quand vous en avez besoin. <\/li>\n<li>Faites fructifier votre argent. Explorez les options d&rsquo;investissement pour aider votre argent \u00e0 cro\u00eetre. <\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-7 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start\" style=\"max-width:1216.8px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-11 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-3 fusion-sep-none fusion-title-text fusion-title-size-three\"><h3 class=\"title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;text-transform:none;--fontSize:30;line-height:1.25;\">Vous h\u00e9sitez \u00e0 faire appel \u00e0 une banque ou une coop\u00e9rative de cr\u00e9dit?<\/h3><\/div><div class=\"fusion-text fusion-text-9\"><p>Si vous avez des inqui\u00e9tudes concernant les services bancaires, voici quelques conseils pour vous aider \u00e0 faire en sorte que ces services vous conviennent\u202f: <\/p>\n<\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-12 fusion_builder_column_1_2 1_2 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:50%;--awb-margin-top-large:0px;--awb-spacing-right-large:3.84%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:3.84%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-10\"><ul>\n<li>Posez des questions. Vous avez le droit de conna\u00eetre les caract\u00e9ristiques du compte, telles que les frais, les limites et les services en ligne, avant de choisir une banque ou un type de compte. <\/li>\n<li>Commencez modestement. Vous n&rsquo;avez pas besoin d&rsquo;un gros d\u00e9p\u00f4t pour ouvrir un compte. De nombreuses banques proposent des comptes sans d\u00e9p\u00f4t.  <\/li>\n<\/ul>\n<\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-13 fusion_builder_column_1_2 1_2 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:50%;--awb-margin-top-large:0px;--awb-spacing-right-large:3.84%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:3.84%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-11\"><ul>\n<li>Choisissez une banque ou une coop\u00e9rative de cr\u00e9dit de confiance. Recherchez une banque ou une caisse populaire qui propose des comptes \u00e0 frais r\u00e9duits ou gratuits. Certaines proposent des comptes con\u00e7us sp\u00e9cifiquement pour les peuples autochtones.  <\/li>\n<li>Ayez l&rsquo;esprit tranquille en sachant que votre argent est prot\u00e9g\u00e9. Les banques membres de la <a href=\"https:\/\/www.sadc.ca\/deposants\/ce-qui-est-protege\/?_ga=2.71065234.30965180.1743791121-412133267.1743791121\">Soci\u00e9t\u00e9 d&rsquo;assurance-d\u00e9p\u00f4ts du Canada (SADC)<\/a> prot\u00e8gent vos d\u00e9p\u00f4ts, de sorte que votre argent est en s\u00e9curit\u00e9 m\u00eame s&rsquo;il arrive quelque chose \u00e0 la banque. <\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-8 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start\" style=\"max-width:1216.8px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-14 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-padding-right:20px;--awb-padding-left:20px;--awb-overflow:hidden;--awb-bg-color:#fcf8e8;--awb-bg-color-hover:#fcf8e8;--awb-bg-size:cover;--awb-border-radius:10px 10px 10px 10px;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-4 fusion-sep-none fusion-title-text fusion-title-size-three\"><h3 class=\"title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;text-transform:none;--fontSize:30;line-height:1.25;\">Vous n&rsquo;avez pas de banque ou de coop\u00e9rative de cr\u00e9dit \u00e0 proximit\u00e9?<\/h3><\/div><div class=\"fusion-text fusion-text-12\"><p>Vous pouvez ouvrir un compte m\u00eame si vous n&rsquo;avez pas acc\u00e8s \u00e0 une succursale locale. De nombreuses banques et coop\u00e9rative de cr\u00e9dit vous permettent de vous inscrire en ligne ou par t\u00e9l\u00e9phone. Une fois votre compte configur\u00e9, vous pouvez utiliser les services bancaires en ligne ou mobile pour v\u00e9rifier votre solde, transf\u00e9rer de l&rsquo;argent et d\u00e9poser des ch\u00e8ques sans vous rendre dans une succursale. <\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-9 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start\" style=\"max-width:1216.8px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-15 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-5 fusion-sep-none fusion-title-text fusion-title-size-three\"><h3 class=\"title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;text-transform:none;--fontSize:30;line-height:1.25;\">Avant d&rsquo;ouvrir un compte<\/h3><\/div><div class=\"fusion-text fusion-text-13\"><p>Voici quelques \u00e9l\u00e9ments \u00e0 prendre en compte avant de choisir une banque, une coop\u00e9rative de cr\u00e9dit ou un compte financier\u202f: <\/p>\n<\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-16 fusion_builder_column_1_2 1_2 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:50%;--awb-margin-top-large:0px;--awb-spacing-right-large:3.84%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:3.84%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-14\"><ul>\n<li>Quels frais la banque ou la coop\u00e9rative de cr\u00e9dit facture-t-elle? Certains comptes n&rsquo;ont pas de frais, tandis que d&rsquo;autres peuvent facturer des frais mensuels. <\/li>\n<li>Quel compte correspond \u00e0 vos besoins? Demandez s&rsquo;il existe des comptes adapt\u00e9s \u00e0 votre situation, tels que des options pour les \u00e9tudiants, les personnes \u00e2g\u00e9es ou les personnes handicap\u00e9es. <\/li>\n<li>Comment pouvez-vous acc\u00e9der \u00e0 votre argent? Renseignez-vous sur les services bancaires en ligne, les cartes de d\u00e9bit et les emplacements des guichets automatiques. <\/li>\n<\/ul>\n<\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-17 fusion_builder_column_1_2 1_2 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:50%;--awb-margin-top-large:0px;--awb-spacing-right-large:3.84%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:3.84%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-15\"><ul>\n<li>Votre argent est-il assur\u00e9? La plupart des banques canadiennes prot\u00e8gent votre argent gr\u00e2ce \u00e0 l&rsquo;assurance-d\u00e9p\u00f4ts de la <a href=\"https:\/\/www.sadc.ca\/deposants\/ce-qui-est-protege\/?_ga=2.146698100.1706766755.1741462595-2031227936.1741462595\">Soci\u00e9t\u00e9 d&rsquo;assurance-d\u00e9p\u00f4ts du Canada (SADC)<\/a>, de sorte que m\u00eame si quelque chose arrive \u00e0 la banque, votre argent reste en s\u00e9curit\u00e9. <\/li>\n<li>Le compte est-il soumis \u00e0 des limites? V\u00e9rifiez s&rsquo;il existe des limites sur les d\u00e9p\u00f4ts ou les retraits, ou s&rsquo;il y a des retenues sur les ch\u00e8ques pendant que la banque traite le d\u00e9p\u00f4t. <\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div><\/div><div id=\"types\" class=\"fusion-container-anchor\"><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-10 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-top:0px;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start\" style=\"max-width:1216.8px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-18 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-6 fusion-sep-none fusion-title-text fusion-title-size-two\"><h2 class=\"title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;text-transform:none;--fontSize:50;line-height:1.4;\">Types de comptes financiers<\/h2><\/div><div class=\"fusion-text fusion-text-16\"><p>Ce que vous faites de votre indemnisation d\u00e9pend enti\u00e8rement de vous. La d\u00e9cision d&rsquo;\u00e9pargner, de d\u00e9penser ou d&rsquo;investir d\u00e9pend de votre situation personnelle et de vos objectifs. Une banque, une coop\u00e9rative de cr\u00e9dit, une organisation ou une personne en qui vous avez confiance et qui s&rsquo;y conna\u00eet en finances peut discuter avec vous de ce qui peut \u00eatre bon pour votre situation.  <\/p>\n<p>Voici un aper\u00e7u de certains produits financiers et de leurs avantages\u202f: <\/p>\n<\/div><style id=\"ea_dynamic_css16374\">#sp-ea-16374 .spcollapsing{height: 0; overflow: hidden; transition-property: height; transition-duration: 350ms;}#sp-ea-16374.sp-easy-accordion>.sp-ea-single.eap_inactive>.ea-header a {background-color: #bb0000 !important; color: #fff !important;}#sp-ea-16374.sp-easy-accordion>.sp-ea-single{ margin-bottom: 10px; border: 1px solid #e2e2e2; border-radius: 3px;}#sp-ea-16374.sp-easy-accordion>.sp-ea-single.ea-expand{ border-color: #e2e2e2;}#sp-ea-16374.sp-easy-accordion>.sp-ea-single:hover{ border-color: #bfbfbf;}#sp-ea-16374.sp-easy-accordion>.sp-ea-single>.ea-header a {background: #eee;}#sp-ea-16374.sp-easy-accordion>.sp-ea-single.ea-expand>.ea-header a {background: #eee;}#sp-ea-16374.sp-easy-accordion>.sp-ea-single>.ea-header:hover a {background: #eee;}#sp-ea-16374.sp-easy-accordion>.sp-ea-single>.ea-header a .eap-title-icon { color: #444;font-size: 20px;} #sp-ea-16374.sp-easy-accordion>.sp-ea-single>.ea-header a .eap-title-custom-icon {max-width: 20px;}#sp-ea-16374.sp-easy-accordion>.sp-ea-single>.ea-header:hover a .eap-title-icon {color: #444;}#sp-ea-16374.sp-easy-accordion>.sp-ea-single.ea-expand>.ea-header a .eap-title-icon {color: #444;}#sp-ea-16374.sp-easy-accordion>.sp-ea-single>.ea-header a {padding: 15px 15px 15px 15px; color: #444; font-size: 20px; line-height: 30px; text-align: left; letter-spacing: 0px; text-transform: none;}#sp-ea-16374.sp-easy-accordion>.sp-ea-single>.ea-header:hover a {color: #444;}#sp-ea-16374.sp-easy-accordion>.sp-ea-single.ea-expand>.ea-header a {color: #444;}#sp-ea-16374.sp-easy-accordion>.sp-ea-single>.sp-collapse>.ea-body p,#sp-ea-16374.sp-easy-accordion>.sp-ea-single>.sp-collapse>.ea-body{background: #fff; padding: 15px 15px 15px 15px; border-radius: 0 0 3px 3px; color: #444; font-size: 16px; text-align: left; letter-spacing: 0px; line-height: 26px; animation-delay: 200ms; text-transform: none;}#sp-ea-16374.sp-easy-accordion>.sp-ea-single>.ea-header a .ea-expand-icon.fa:before {color: #444; font-size: 16px; font-style: normal;}#sp-ea-16374.sp-easy-accordion>.sp-ea-single>.ea-header:hover a .ea-expand-icon.fa:before {color: #444;}#sp-ea-16374.sp-easy-accordion>.sp-ea-single.ea-expand>.ea-header a .ea-expand-icon.fa:before {color: #444;}#sp-ea-16374.sp-easy-accordion>.sp-ea-single{border-radius: 3px; border: 1px solid #e2e2e2;}#sp-ea-16374.sp-easy-accordion>.sp-ea-single>.sp-collapse>.ea-body{border-radius: 0 0 3px 3px; border: none;}#sp-ea-16374.sp-easy-accordion>.sp-ea-single>.ea-header a .ea-expand-icon.fa {float: left; margin-right: 10px;}#sp-ea-16374 #eap_faq_search_bar_container {display:none; opacity:0;}#sp-ea-16374 #eap_faq_search_bar_container span::before{content:\"\";}#sp-ea-16374.sp-easy-accordion>.sp-ea-single>.sp-collapse>.ea-body p{ padding:0px}#sp-eap-accordion-section-16374.sp-eap-container .sp-eap-infinite-scroll-loader,#sp-eap-accordion-section-16374.sp-eap-container div:is(.sp-eap-load-more,.sp-eap-ajax-number-pagination){text-align:center;}#sp-ea-16374>.sp-ea-single>.sp-collapse>.ea-body .eap-product-price {color: #444;}#sp-ea-16374.sp-easy-accordion>.sp-ea-single>.sp-collapse>.ea-body .eap-product-price del{color: rgba(68,68,68,0.71);}#sp-ea-16374.sp-easy-accordion>.sp-ea-single>.sp-collapse>.ea-body .eap-product-cart-button .woocommerce a { border: 1px solid #DAD6DA;border-radius: 2px;background-color: transparent;color: #444;}#sp-ea-16374.sp-easy-accordion>.sp-ea-single>.sp-collapse>.ea-body .eap-product-cart-button .woocommerce a:hover { border-color: #444;background-color: #444;color: #fff;}#sp-ea-16374.sp-easy-accordion>.sp-ea-single>>.sp-collapse>.ea-body .eap-product-cart-button .eap-product-quantity .eap_input_text {border: 1px solid #DAD6DA;}#sp-ea-16374.sp-easy-accordion>.sp-ea-single>.sp-collapse>.ea-body .eap-product-cart-button a.add_to_cart_button{position: relative;}<\/style><div id=\"sp-eap-accordion-section-16374\" class=\"sp-eap-container\"><div id=\"sp-ea-16374\" class=\"sp-ea-one sp-easy-accordion \" data-ex-icon=\"ea-font-icon-minus_regular\" data-col-icon=\"ea-font-icon-plus_regular\" data-ea-active=\"ea-click\" data-ea-mode=\"vertical\" data-ea-multi-column=\"\" data-ea-coll=\"\" data-keep-accordion=\"\" data-autoclose=\"\" data-preloader=\"\" data-scroll-active-item=\"\" data-offset-to-scroll=\"0\" data-autoplaytime=\"3000\" data-expand=\"\" data-post-id=\"16374\" >\t<div class=\"ea-card ea-expand sp-ea-single\"  data-accordion-id= \"0\">\n\n\t\t<h3 class=\"ea-header\">\n\t\t\t<a class=\"collapsed\" data-sptoggle=\"spcollapse\" rel=\"nofollow\" data-sptarget=\"#collapse163740\" href=\"#\" data-title=\"efaq-savings-or-chequing-account\" aria-expanded=\"true\">\n\t\t\t\t<i class=\"ea-expand-icon fa ea-font-icon-minus_regular\"><\/i>  Savings or Chequing Account \t\t\t<\/a>\n\t\t<\/h3>\n\n\t\t<div class=\"sp-collapse spcollapse collapsed show\" id=\"collapse163740\" data-parent=\"#sp-ea-16374\">\n\t\t<div class=\"ea-body\"> \n<div class=\"ea-content-wrapper animated fadeIn\"> \n\tThese accounts help you manage your money safely, keep track of your spending and set up bill payments.\r\n<ul>\r\n \t<li><strong>Benefits:<\/strong> Low or no fees, which means you\u2019ll receive all of your compensation money.<\/li>\r\n \t<li><strong>This could be good if:<\/strong> You want an easy way to manage everyday expenses like groceries, gas and bills without carrying cash.<\/li>\r\n \t<li><strong>Considerations:<\/strong> Different accounts have different requirements, limits and fees. It\u2019s best to ask about the details to see which is right for you.<\/li>\r\n<\/ul><\/div>\n<\/div>\n\t\t\t<\/div>\n\t<\/div>\n\t\t<div class=\"ea-card  sp-ea-single\"  data-accordion-id= \"1\">\n\n\t\t<h3 class=\"ea-header\">\n\t\t\t<a class=\"collapsed\" data-sptoggle=\"spcollapse\" rel=\"nofollow\" data-sptarget=\"#collapse163741\" href=\"#\" data-title=\"efaq-tax-free-savings-account\" aria-expanded=\"false\">\n\t\t\t\t<i class=\"ea-expand-icon fa ea-font-icon-plus_regular\"><\/i>  Tax-Free Savings Account\t\t\t<\/a>\n\t\t<\/h3>\n\n\t\t<div class=\"sp-collapse spcollapse \" id=\"collapse163741\" data-parent=\"#sp-ea-16374\">\n\t\t<div class=\"ea-body\"> \n<div class=\"ea-content-wrapper animated fadeIn\"> \n\tContribute to your <a href=\"https:\/\/www.canada.ca\/en\/revenue-agency\/services\/tax\/individuals\/topics\/tax-free-savings-account.html\">Tax-Free Savings Account (TFSA)<\/a> each year, and the money grows without being taxed. Depending on the type of investments in your TFSA, you may be able to withdraw money at any time, with no penalties. each year, and the money grows without being taxed. Depending on the type of investments in your TFSA, you may be able to withdraw money at any time, with no penalties.\r\n<ul>\r\n \t<li><strong>Benefit:<\/strong> Your money grows tax-free.<\/li>\r\n \t<li><strong>This could be good if:<\/strong> You want to save for long-term goals like purchasing a home, starting a business, or creating a financial cushion for emergencies.<\/li>\r\n \t<li><strong>Considerations:<\/strong> There is a limit to how much you can put in a TFSA each year.<\/li>\r\n<\/ul><\/div>\n<\/div>\n\t\t\t<\/div>\n\t<\/div>\n\t\t<div class=\"ea-card  sp-ea-single\"  data-accordion-id= \"2\">\n\n\t\t<h3 class=\"ea-header\">\n\t\t\t<a class=\"collapsed\" data-sptoggle=\"spcollapse\" rel=\"nofollow\" data-sptarget=\"#collapse163742\" href=\"#\" data-title=\"efaq-registered-retirement-savings-plan\" aria-expanded=\"false\">\n\t\t\t\t<i class=\"ea-expand-icon fa ea-font-icon-plus_regular\"><\/i>  Registered Retirement Savings Plan \t\t\t<\/a>\n\t\t<\/h3>\n\n\t\t<div class=\"sp-collapse spcollapse \" id=\"collapse163742\" data-parent=\"#sp-ea-16374\">\n\t\t<div class=\"ea-body\"> \n<div class=\"ea-content-wrapper animated fadeIn\"> \n\tA <a href=\"https:\/\/www.canada.ca\/en\/revenue-agency\/services\/tax\/individuals\/topics\/rrsps-related-plans\/registered-retirement-savings-plan-rrsp.html\">Registered Retirement Savings Plan (RRSP)<\/a> is an account that helps you reduce what you pay in annual taxes in the year you add money to the account while also helping you to save for the future. Money in the RRSP is only taxed when you withdraw it.\r\n<ul>\r\n \t<li><strong>Benefit:<\/strong> Save for the future while reducing taxes in the present. As a retirement account, you would withdraw from an RRSP after you\u2019ve retired. If you\u2019re in a lower tax bracket when you retire, this means you pay less tax when you take the money out of your account.<\/li>\r\n \t<li><strong>This could be good if:<\/strong> You\u2019re employed, earning taxable income and want to reduce the taxes you pay now while building savings for retirement\u2014especially if you plan to retire in a lower-tax situation later.<\/li>\r\n \t<li><strong>Considerations:<\/strong> Withdrawals from an RRSP are taxable. A penalty is applied to withdrawals that happen before you retire. If your income is not taxed because it's earned on a reserve, contributing to or withdrawing from an RRSP won't impact your tax situation. Consider talking to a tax professional who specializes in First Nations taxation if you have questions.<\/li>\r\n<\/ul><\/div>\n<\/div>\n\t\t\t<\/div>\n\t<\/div>\n\t\t<div class=\"ea-card  sp-ea-single\"  data-accordion-id= \"3\">\n\n\t\t<h3 class=\"ea-header\">\n\t\t\t<a class=\"collapsed\" data-sptoggle=\"spcollapse\" rel=\"nofollow\" data-sptarget=\"#collapse163743\" href=\"#\" data-title=\"efaq-registered-education-savings-plan\" aria-expanded=\"false\">\n\t\t\t\t<i class=\"ea-expand-icon fa ea-font-icon-plus_regular\"><\/i>  Registered Education Savings Plan \t\t\t<\/a>\n\t\t<\/h3>\n\n\t\t<div class=\"sp-collapse spcollapse \" id=\"collapse163743\" data-parent=\"#sp-ea-16374\">\n\t\t<div class=\"ea-body\"> \n<div class=\"ea-content-wrapper animated fadeIn\"> \n\tA <a href=\"https:\/\/www.canada.ca\/en\/services\/benefits\/education\/education-savings.html\">Registered Education Savings Plan (RESP)<\/a> helps save for post-secondary education, including tuition, books and even rent while in school, for you, your child or another person you choose. The government adds money to your RESP through programs like the Canada Education Savings Grant and Canada Learning Bond that can help you increase your savings over time.\r\n<ul>\r\n \t<li><strong>Benefit:<\/strong> Additional funding from the government to help save for education.<\/li>\r\n \t<li><strong>This could be good if:<\/strong> You or your child want to attend university, college or trade school.<\/li>\r\n \t<li><strong>Considerations:<\/strong> The beneficiary of an RESP (you, or child or another person you choose) must use money from the plan to pay for school and other related expenses, such as books, tools, transportation and rent.<\/li>\r\n<\/ul><\/div>\n<\/div>\n\t\t\t<\/div>\n\t<\/div>\n\t\t<div class=\"ea-card  sp-ea-single\"  data-accordion-id= \"4\">\n\n\t\t<h3 class=\"ea-header\">\n\t\t\t<a class=\"collapsed\" data-sptoggle=\"spcollapse\" rel=\"nofollow\" data-sptarget=\"#collapse163744\" href=\"#\" data-title=\"efaq-registered-disability-savings-plan\" aria-expanded=\"false\">\n\t\t\t\t<i class=\"ea-expand-icon fa ea-font-icon-plus_regular\"><\/i>  Registered Disability Savings Plan \t\t\t<\/a>\n\t\t<\/h3>\n\n\t\t<div class=\"sp-collapse spcollapse \" id=\"collapse163744\" data-parent=\"#sp-ea-16374\">\n\t\t<div class=\"ea-body\"> \n<div class=\"ea-content-wrapper animated fadeIn\"> \n\tA <a href=\"https:\/\/www.canada.ca\/en\/revenue-agency\/services\/tax\/individuals\/topics\/registered-disability-savings-plan-rdsp.html\">Registered Disability Savings Plan (RDSP)<\/a> is designed to help people with disabilities save for the future. The government adds money to your RDSP through programs like the Canada Disability Savings Bond that can help increase your savings over time.\r\n<ul>\r\n \t<li><strong>Benefit:<\/strong> Extra savings from the government.<\/li>\r\n \t<li><strong>This could be good if:<\/strong> You\u2019re looking for a savings option that offers government contributions to increase your savings.<\/li>\r\n \t<li><strong>Considerations:<\/strong> The person the RDSP is opened for must first be approved for the Disability Tax Credit.<\/li>\r\n<\/ul><\/div>\n<\/div>\n\t\t\t<\/div>\n\t<\/div>\n\t<\/div><\/div><\/div><\/div><\/div><\/div><\/div><div id=\"questions\" class=\"fusion-container-anchor\"><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-11 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-top:0px;--awb-padding-bottom:39px;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start\" style=\"max-width:1216.8px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-19 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-7 fusion-sep-none fusion-title-text fusion-title-size-two\"><h2 class=\"title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;text-transform:none;--fontSize:50;line-height:1.4;\">Questions \u00e0 poser \u00e0 votre banque, coop\u00e9rative de cr\u00e9dit ou professionnel de la finance<\/h2><\/div><div class=\"fusion-text fusion-text-17\"><p>Lorsque vous planifiez vos finances et choisissez un compte financier qui vous convient, il est important de poser des questions pour vous assurer de faire le meilleur choix pour votre situation. Voici quelques questions \u00e0 poser lorsque vous parlez \u00e0 quelqu&rsquo;un de votre plan financier\u202f: <\/p>\n<\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-20 fusion_builder_column_1_2 1_2 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:50%;--awb-margin-top-large:0px;--awb-spacing-right-large:3.84%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:3.84%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-18\"><ul>\n<li>Que dois-je garder \u00e0 l&rsquo;esprit lorsque je pense \u00e0 mes objectifs \u00e0 court, moyen et long terme?<\/li>\n<li>Quels produits financiers pourraient convenir \u00e0 ma situation personnelle?<\/li>\n<li>\u00c0 quel type de risque peut-on s&rsquo;attendre avec ce type d&rsquo;investissement? Ce niveau de risque est-il appropri\u00e9 pour moi et mes objectifs? <\/li>\n<\/ul>\n<\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-21 fusion_builder_column_1_2 1_2 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:50%;--awb-margin-top-large:0px;--awb-spacing-right-large:3.84%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:3.84%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-19\"><ul>\n<li>Y a-t-il des p\u00e9nalit\u00e9s si j&rsquo;ai besoin d&rsquo;acc\u00e9der \u00e0 mon investissement plus t\u00f4t?<\/li>\n<li>Comment puis-je b\u00e9n\u00e9ficier des taux d&rsquo;int\u00e9r\u00eat et quel sera leur impact sur mon \u00e9pargne ou mes investissements?<\/li>\n<li>Comment l&rsquo;utilisation de certains comptes peut-elle affecter mes imp\u00f4ts?<\/li>\n<\/ul>\n<\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-22 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-20\"><p>Obtenir des r\u00e9ponses \u00e0 ces questions vous aidera \u00e0 mieux comprendre vos options et \u00e0 prendre des d\u00e9cisions \u00e9clair\u00e9es en fonction de vos objectifs. <\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/p>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":4,"featured_media":0,"parent":16036,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"100-width.php","meta":{"_acf_changed":false,"content-type":"","inline_featured_image":false,"footnotes":"","_links_to":"","_links_to_target":""},"wf_page_folders":[976,79],"class_list":["post-16369","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Comptes financiers - First Nations Child and Family Services and Jordan\u2019s Principle Settlement<\/title>\n<meta name=\"description\" content=\"D\u00e9couvrez les avantages d\u2019avoir un compte bancaire pour recevoir l\u2019indemnisation. 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