Earn 10 points per $1 on every purchase, in-store and online² with a PC Money™ Account

The PC Money™ Account is an everyday spending account that’s a better choice than debit and rewards you every time you use it to make a purchase.

Accepted everywhere Mastercard^® is, this no monthly fee account gives you unlimited everyday transactions³ and rewards you with 10 PC Optimum points on every $1 you spend on purchases².

The PC Money™ Account is an online self-service money management account. This means you can pay bills (including pre-authorized withdrawals for things like gym memberships and utility bills), and transfer funds between banks. You earn PC Optimum points² every time you use your card to make a purchase online or in-store. You can use your card everywhere Mastercard^® is accepted, including online and when travelling abroad. However, you can’t write or deposit cheques, or use your card with merchants that don’t accept Mastercard^® payments.

To earn your 300,000 PC Optimum points, you’ll need to complete the following three steps:

1. Earn 20,000 points when you make your first deposit of $150 or more in one transaction into your new PC Money™ Account within 120 days of the PC Financial^® email confirming that your PC Money™ Account is open.

2. Earn up to 180,000 points by shopping in participating stores using your PC Money™ Account. Get 150 PC Optimum points for every dollar you spend up to your first $1,200 in purchases. To earn 180,000 points, you’ll need to spend a total of $1,200 in participating Loblaw banner grocery stores, Shoppers Drug Mart, Pharmaprix and Joe Fresh stores in Canada, within 120 days of the PC Financial^® email confirming that your PC Money™ Account is open.

3. Earn up to 100,000 points when you successfully refer 2 friends, within 120 days of the PC Financial^® email confirming that your PC Money™ Account is open, using your personal referral code found in your online account. You’ll earn 50,000 PC Optimum points per friend who signs up and spends a minimum of $100 using their PC Financial^® Mastercard^® or PC Money™ Account within 60 days of account opening. Your friend must not have had an account with PC Bank at any time in the past.

For full details, see legal copy.

You can transfer funds by linking an external account, or by sending funds to yourself through Interac e‑Transfer^® services. Sending yourself funds through the Interac e‑Transfer^® service is the fastest way to fund your account. Linking an external account may take up to 3 business days.

Steps to send yourself funds through Interac e‑Transfer^® services

1. Send funds through Interac e‑Transfer^® services from your external account, and input your own personal PC Money™ Account information. (Note that if you have Autodeposit set up with an external bank for the email address you’re using, you’ll need to disable Autodeposit in order to be able to receive the funds into your PC Money™ Account.)

2. You'll get a text or an e-mail to deposit your Interac e‑Transfer^®. When you do, select your PC Financial® account.

3. Follow the on-screen instructions to deposit your funds with Interac e‑Transfer^® services.

To link an external account

1. Log in to your PC Financial® mobile app or online account

2. Click the pay and transfer button (the plus sign "+" on your mobile app)

3. Click Move Money

4. Hit Link External Account, and follow on-screen instructions to enter account information

5. Wait up to 3 business days until your micro deposits show up in the external account you are linking. Make a note of the amounts of the micro deposits

6. Repeat steps 1-3 and confirm the amounts of the micro deposits when prompted

7. You will see a “success” screen verifying that your account has been linked

You bet. Your PC Money™ Account earns you 10 PC Optimum points (5 regular PC Optimum points plus 5 bonus PC Optimum points) for every $1 of your purchases^{2Please read additional information in the Legal Stuff section above the footer.}, everywhere Mastercard^® is accepted. Don’t forget to link your card with your PC Optimum account to earn more points with your personalized offers at participating stores.