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

The PC Money™ Account is an everyday bank account that’s a better choice than 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 transactions³ and rewards you with 10 PC Optimum™ points on every $1 you spend on purchases at participating stores and 5 points on every $1 everywhere else you shop².

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™ points² 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 by linking an external account, or by sending funds to yourself through Interac e‑Transfer^® services. Sending yourself funds through the Interac e‑Transfer^® service is the fastest way to fund your account. Linking an external account may take up to 3 business days.

Steps to send yourself funds through Interac e‑Transfer^® services

1. Send funds through Interac e‑Transfer^® services 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 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.

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

You bet. Your PC Money™ Account earns you 10 PC Optimum™ points (5 regular PC Optimum™ points plus 5 bonus PC Optimum™ points) for every $1 of your purchases² in participating stores and 5 PC Optimum™ points everywhere else Mastercard® is accepted. Don't forget to link your card with your PC Optimum™ account to earn more points with your personalized offers at participating stores.