PC Financial®

Introducing a new way to earn PC Optimum™ points every month

Feb 16, 2023

Calling all PC Optimum™ points pros! You know the thrill you feel every time you pile on the points? Now connect that to the exhilarating feeling of payday. Do we have your full attention? Here’s some breaking news: we’ve just launched a new way to earn points every month, simply by setting up your payroll or pension direct deposit on your PC Money™ Account. That’s right, you can earn up to 5,000 points* monthly just for getting paid. It’s yet another reason to make this your one and only bank account. Read on for why you should jump on setting this up right now.

It’s brand new and always-on.

What can we say, we’re not scared of commitment. When you set up your payroll or pension direct deposit on your PC Money™ Account, you’ll earn PC Optimum™ points. Every. Month. Some banks may try to lure you with one-time-only offers, but this opportunity to earn points is always here for you. Get paid. Earn points. Simple.

It’s highly rewarding.

The PC Money™ Account is all about rewarding you for the banking you’re doing anyway—why should payday be any different? Here’s how it works: earn 2,000 PC Optimum™ points when your cumulative monthly payroll direct deposit is between $1,500 and $2,999; and 5,000 PC Optimum™ points when it’s $3,000* or more. Now you can use these points to offset your budget by redeeming** towards essentials or to nudge you in the direction of a treat—your choice!

It’s super easy.

Getting started is simple! Start piling on the points by connecting your payroll or pension direct deposit to your PC Money™ Account. Here’s how:

1. Sign into your PC Financial® mobile app or online account.

2. Click ‘Accounts’ and select your PC Money™ Account.

3. Click ‘View Direct Deposit Information.’

4. Copy or download your information and provide it privately to your employer.

5. Get rewarded for a minimum monthly payroll or pension direct deposit of $1,500.

It’s one of many perks.

You may already know and love this, but it bears repeating. What differentiates the PC Money™ Account from other bank accounts is that you’ll earn PC Optimum™ points on every dollar you spend everywhere you shop. ­You’ll also earn points for paying your bills and setting up your payroll or pension direct deposit. But there’s more! PC Money™ Account users enjoy free Interac e-Transfer® services, unlimited everyday transactions¹, no monthly fee, and no minimum balance requirement. So, if you haven’t signed up yet, what are you waiting for? Do it before your next payday and watch the points pile up!

Sign up for a PC Money™ today (opens in a new window)External link.

Already have an account? Sign-in (opens in a new window)External link.

*Earn a monthly bonus of up to 5,000 PC Optimum™ points when you deposit funds to your PC Money™ Account using automatic payroll or pension direct deposits. Payroll or pension deposits totaling between $1,500 and $2,999 within a calendar month will earn a bonus of 2,000 PC Optimum™ points, and deposits totaling greater than $2,999 will earn an additional 3,000 PC Optimum™ points, for a maximum monthly bonus of 5,000 PC Optimum™ points. Limited to one bonus per customer, per month, even If you have multiple PC Money™ Accounts. The classification of a direct deposit as a payroll or pension direct deposit is determined solely by President’s Choice Bank. Interac e-Transfer® services, electronic funds transfers, and other forms of deposits or transfers to your account do not count towards this bonus. Bonus points will be awarded to your PC Optimum™ account within 2-3 business days of when you meet the minimum direct deposit amount(s).


**Minimum redemption is 10,000 PC Optimum™ points (worth $10 in rewards) and in increments of 10,000 points thereafter at participating stores where President's Choice® products are sold. Some redemption restrictions apply; visit pcoptimum.ca for details, participating stores and full loyalty terms and conditions.


1 Everyday transactions include an unlimited number of completed electronic fund transfers, withdrawals at PC Financial® bank machines, self-serve bill payments and purchases in Canadian dollars. Information about daily and transactional dollar value limits on everyday transactions, and fees for other available transactions/services available here


General information not about PC Financial® products is provided for your reference and interest only. The above content is intended only to provide a summary and general overview on matters of interest and is not a substitute for and should not be construed as the advice of an experienced professional. PC Financial® does not guarantee the currency, accuracy, applicability or completeness of this content.


®/TM Interac, Interac e-Transfer and the Interac logo are registered trademarks of Interac Corp. Used under license.