Introducing the PC Money Account.

10 PC OptimumTM points per dollar you spend, everywhere you shop – and no monthly fee.

Introducing a whole new
way to think about

The PC Money Account works like a bank account you can use
worldwide, even online, anywhere Mastercard® is accepted.

More for your money.


points for every $1 on all purchases, online and in-store1


points per $1 at Shoppers Drug Mart2

Get started
with up to

You can earn up to 50,000 bonus points4 for setting up your account and taking advantage of introductory offers.

Open accountExternal link

How to earn up to 50,000 points.

You can earn up to 50,000 bonus points for setting up your account and taking advantage of the following introductory offers. That’s worth up to $50 in points to spend how you want and when you want.

  • Link another Bank Account4

  • Set up Payroll Direct Deposit4

  • First $50 Purchase4

  • 5 Bill Payments4

More of that no fee life.


Or minimum balance required5.


Save, send, and spend in-store or online.

Free Interac

No fees when you give money or get money.

bill payments

Score points for paying monthly bills from your account3.


Get overdraft protection if you need it – fees  and interest apply only when you use it.


Easily set goals and save money how you want.

in-store ATM

Take out cash for free from PC Financial® ATMs.

Easily transfer

Transfer money to your PC Financial® Mastercard® to pay your bills faster.

Let’s get digital.

Access your account from anywhere,
online or through the app.

  • Easy online money management tools.

  • 24/7 online support from our team

  • Tap up to $250 at a time, anywhere Mastercard® is accepted.

  • Digital monthly statements.

Keeping your money safe.

Security is our first priority. So, we put extra protections in place just in case.

  • CDIC protection on eligible deposits

  • Two factor authentication

  • 24/7 fraud detection and support

  • Mastercard® Zero Liability Promise for unauthorized purchases1

Learn more about CDIC

Make the move.

  • Open an account at or enrol through our mobile app

  • Add money to your account

  • Make a purchase to start scoring points

  • FAQs

    What is a PC Money™ Account?

    The PC Money Account is an account that works like 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 transactions and rewards you with 10 PC Optimum points on every $1 you spend on purchases.

    How does the PC Money Account differ from a conventional debit account?

    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 points 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.

    How do I transfer funds into my account from another financial institution?

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

    Steps to send yourself an Interac e-Transfer®

    1. Send an Interac e-Transfer® 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 Interac e-Transfer®.

    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

    How and when are the 50,000 bonus points awarded to my account?

    You can earn up to 50,000 bonus PC Optimum points by taking advantage of introductory offers. Here is a breakdown of all the bonus points that are available to you:

    • Earn 10,000 bonus PC Optimum points when you make your first purchase of $50 or more, using a valid PC Money Account, within three months of account approval. Accounts must have sufficient funds at the time of purchase. Bonus PC Optimum points will be deducted for any returns. All bonus points awarded to your PC Optimum account will be available to you within 4-7 days of an eligible transaction. Limit one offer per PC Money Account. 
    • Earn 10,000 bonus PC Optimum points when you link a bank account with another financial institution to your PC Money Account and receive a success message upon verifying your external account online. Both accounts must be in good standing at the time they’re linked. Bonus points will be awarded to your PC Optimum account within 4-7 days of successfully linking accounts. Limit one offer per customer.
    • Earn 1,000 bonus PC Optimum points for each of up to five bill payments of $50 or more to unique payees made per calendar month through a valid PC Money Account. Bonus points will be awarded to your PC Optimum account within 4-7 days of successful bill payment.
    • Earn a one-time bonus of 25,000 PC Optimum points when you set up an automatic payroll or pension directly into your PC Money Account for the first time and complete at least three direct deposits into the account within the three consecutive months following initial setup. Bonus points will be awarded to your PC Optimum account within 4-6 weeks of completing your third direct deposit. Limit one offer per PC Money Account.

    Are my money and account secure?

    Yes. President’s Choice Bank is a member of the Canada Deposit Insurance Corporation (CDIC), which means your deposits are eligible for insurance up to a maximum of $100,000 per financial institution. We also use 2-factor authentication and encryption, helping keep your account and money secure. If you suspect suspicious activity on your account, you can easily lock and unlock your card, online or through the PC Financial app.