Don’t just bank, get rewarded for it with the PC Money™ Account.

The PC Money™ Account is an everyday bank account that rewards you when you use it to make a purchase, pay your bills⁵ or fund your account through payroll or pension direct deposit⁴. 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 purchases at participating stores and 5 points per $1 everywhere else you shop⁶.

The PC Money™ Account is a digital 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™ points⁶ 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.

You can transfer funds into your PC Money™ Account by setting up payroll direct deposit, linking an external account, or by sending funds to yourself through Interac e-Transfer® services.

Set up and receive your payroll or pension direct deposit.
Setting up payroll or pension direct deposit into your PC Money™ Account is a great way to fund your account and get points every month.

To set up payroll or pension direct deposit into your PC Money™ Account, you must provide your account number, branch (transit) number and institution number to your employer or other payor.

Steps:

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

2. Click Accounts

3. Select your PC Money™ Account

4. Click direct deposit information

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

Fund your account using Interac e-Transfer® services.
Sending yourself funds through the Interac e-Transfer® services is the fastest way to fund your account.

Steps to send yourself funds through Interac e-Transfer® services.

1. Send funds through Interac e-Transfer® services from your external account. Set yourself as a contact and input your own personal information (e-mail or mobile number).
   
   Note: if you have Autodeposit set up with another bank for the e-mail address or mobile phone you're using, you'll need to disable Autodeposit to receive the funds into your PC Money™ Account.

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

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

Steps to link an external account
You can link your external bank account with your PC Money™ Account. After linking your accounts you will be able to set up recurring transfers into your account.

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

2. Click the move money button

3. Click Link and manage bank accounts

4. Hit Link your bank 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 offers different ways to accelerate your PC Optimum™ points earning

Points for purchasing
Earns 10 PC Optimum™ points (5 regular PC Optimum™ points plus 5 bonus PC Optimum™ points) for every $1 of your purchases6 in participating stores and 5 PC Optimum™ points everywhere else Mastercard® is accepted when you shop. Don't forget to link your card with your PC Optimum™ account to earn more points with your personalized offers at participating stores.

Points for paying your bills
By paying your monthly bills such as Internet, utilities or your PC Financial® Mastercard®, you can earn up to 5,000 bonus PC Optimum™ points with up to five $50+ bill payments every month⁵

Points for setting up and receiving your payroll or direct deposits⁴:
By setting up your payroll or pension direct deposit, you'll earn a monthly bonus of 5,000 PC Optimum™ points when your total payroll/pension deposits are at least $3,000 per month. Or earn a monthly bonus of 2,000 PC Optimum™ points for total payroll/pension direct deposits between $1,500–$2,999 per month.