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How do I apply for Overdraft Protection?

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Overdraft Protection is a safety net for when funds in your PC Money™ Account fall below $0. Optional Overdraft Protection allows you to temporarily borrow funds up to your approved credit limit when you don’t have enough money in your account to complete a transaction. This may allow you to complete the transaction and avoid a Non-Sufficient Funds (NSF) fee. When your account is in overdraft there is a fee charged each month when used it (for residents of Quebec: $0.00) in addition to interest charges on the outstanding overdraft amount. Overdraft Protection is subject to credit approval; interest and fees apply only when you use it.


Steps

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

  2. Click Accounts

  3. Select your PC Money™ Account

  4. Click Overdraft Protection

  5. Follow the onscreen instructions to accept the pre-approved Overdraft Protection limit amount, and some extra information we need to approve your request

  6. Confirm your request

Helpful tip

  • It may take a few days for us to review and confirm your Overdraft Protection request.

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Apply for Overdraft Protection

Avoid unexpected fees a with optional Overdraft Protection.

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