Joshua Willoughby, owner of Widgawa Lodge in Killarney, Ont., thought moving his bank accounts online would reduce paperwork and give him more time to concentrate on running his outfitting business.  

That was before a major mixup with Desjardins Credit Union and an ensuing year-long battle with an ever-changing string of customer service representatives. The situation has left him $48,000 poorer and has the Canada Revenue Agency breathing down his neck.

“It sounds absurd, because that’s what it is,” Willoughby said. 

Willougby said he decided to move his banking online with what Desjardins calls AccèsD, a service that aims to streamline and manage everyday business, back in