Fund, shop and earn PC Optimum™ points with the PC Money™ Account.

The PC Money™ Account
Enjoy up to 200,000
in welcome offers when you open a no monthly fee PC Money™ Account*.
Limited time only. Here's how:
;Earn 20,000
When you first fund* your account with $150+.
Earn up to 130,000
Earn 10% back in points* on your first $1,300 worth of purchases at participating stores.
Earn up to 50,000
With 4 months of eligible payroll deposits*.
Watch your PC Optimum™ points take off.
![]() PC Optimum™ | ![]() Earn more points. PC Money™ Account with PC Optimum™. | |
In our grocery stores5 | Earn points in-store and by loading offers in the | 10 per $12 |
15 per $16 on eligible purchases | Up to per $16 | |
Everywhere else | - | 5 per $12 |
Bill payments | - | Up to per month8 |
Payroll direct deposit | - | Up to per month9 |
An everyday bank account that gets you more PC Optimum™ points with no monthly fee1
Fund
your account using free Interac e-Transfer® services.
Shop
online and in-store for everyday items with unlimited everyday transactions.3
Earn
up to 10 PC Optimum™ points2 for every dollar you spend when you shop.
Say no to a monthly fee1, yes to great benefits.
Adding it to your wallet gives you access to great benefits, and more.

No minimum balance required
No charge to open a PC Money™ Account
Free unlimited everyday transactions3 both online and in-store
Free Interac e-Transfer® services

Need more convincing? Check out these additional features.
24/7 online support from our team.
- Compatible with Apple Pay® and Google Pay™.
Keeping your money safe.
Security is our priority. So, we put extra protections in place just in case. We provide two-factor authentication, 24/7 fraud detection and support, and Mastercard® Zero Liability Promise for unauthorized purchases7.
Find an ATM.
Take out cash for free at one of our PC Financial® ATMs, conveniently located in our stores5. Or talk to us in person at your nearest PC Financial® pavilion.

CDIC protection on eligible deposits.
President’s Choice Bank is a member of the Canada Deposit Insurance Corporation (CDIC).
Learn more about CDICFAQs
What is a PC Money™ Account?
How does the PC Money™ Account differ from a debit account?
How do I transfer funds into my account from another financial institution?
Do I earn PC Optimum™ points on my PC Money™ Account?