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Support for Seniors

Whether you’re choosing banking products or making informed decisions, we’re here to support you whenever you need us.

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Some helpful resources

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Our privacy policy

We’re committed to keeping your privacy protected and your information confidential at all times.

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A commitment to accessibility

Learn how we’re actively identifying, removing, and preventing barriers faced by individuals with disabilities.

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Have a complaint?

We value your feedback and encourage you to get in touch so we can resolve your concerns quickly and effectively.

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Learning Hub

Get clear explanations of our product features, including step-by-step video tutorials, FAQs, and great financial management tips.

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Products that come with their own rewards

Apply for our no annual fee PC® Mastercard® and we’ll match you to the best credit card based on your eligibility.

PC Mastercard
PC® Mastercard®

Eligibility

Subject to credit approval and other eligibility criteria.

You can earn:

  • Inverted Purple Checkmark Icon
    1% back6 in points at our grocery stores2.
  • Inverted Purple Checkmark Icon
    At least 3¢ / litre back in points at Esso™ and Mobil™ stations7.
  • Inverted Purple Checkmark Icon
    2.5% back in points at Shoppers Drug Mart® and Pharmaprix®4.
  • Inverted Purple Checkmark Icon
    1% back in points at Joe Fresh®6.
  • Inverted Purple Checkmark Icon
    1% back in points on dining, transit, and everywhere else6.

Core benefits

  • PurchaseInsurance Icon
    Purchase Assurance8.
  • ExtendedWarranty Icon
    Extended Warranty8.
  • McGlobalService Icon
    Mastercard Global ServiceTM9.

Card details

Annual Fee:

No annual fee**

Additional Cards:

Free

Purchase rate (Standard)1:

21.99%

Cash advance rate (Standard)1:

22.97%
21.97% (Quebec)

Learn More
PC Mastercard
PC® Mastercard®

Eligibility

Subject to credit approval and other eligibility criteria.

You can earn:

  • Inverted Purple Checkmark Icon
    1% back6 in points at our grocery stores2.
  • Inverted Purple Checkmark Icon
    At least 3¢ / litre back in points at Esso™ and Mobil™ stations7.
  • Inverted Purple Checkmark Icon
    2.5% back in points at Shoppers Drug Mart® and Pharmaprix®4.
  • Inverted Purple Checkmark Icon
    1% back in points at Joe Fresh®6.
  • Inverted Purple Checkmark Icon
    1% back in points on dining, transit, and everywhere else6.

Core benefits

  • PurchaseInsurance Icon
    Purchase Assurance8.
  • ExtendedWarranty Icon
    Extended Warranty8.
  • McGlobalService Icon
    Mastercard Global ServiceTM9.

Card details

Annual Fee:

No annual fee**

Additional Cards:

Free

Purchase rate (Standard)1:

21.99%

Cash advance rate (Standard)1:

22.97%
21.97% (Quebec)

Learn More
PC Mastercard
PC® World Mastercard®

Eligibility

Minimum $50,000 (personal) or $80,000 (household) annual income required. Subject to credit approval and other eligibility criteria.

You can earn:

  • Inverted Purple Checkmark Icon
    2% back in points6 at our grocery stores2.
  • Inverted Purple Checkmark Icon
    At least 3¢ / litre back in points at Esso™ and Mobil™ stations7.
  • Inverted Purple Checkmark Icon
    3.5% back in points at Shoppers Drug Mart® and Pharmaprix®4.
  • Inverted Purple Checkmark Icon
    2% back in points at Joe Fresh®6.
  • Inverted Purple Checkmark Icon
    1% back in points on dining, transit, and everywhere else6.

Core benefits

  • PurchaseInsurance Icon
    Purchase Assurance8.
  • ExtendedWarranty Icon
    Extended Warranty8.
  • McGlobalService Icon
    Mastercard Global ServiceTM9.

Additional benefits

  • Concierge1 Icon
    Concierge Services10.

Card details

Annual Fee:

No annual fee**

Additional Cards:

Free

Purchase rate (Standard)1:

21.99%

Cash advance rate (Standard)1:

22.97%
21.97% (Quebec)

Learn More
PC® World Elite® Mastercard®
PC® World Elite® Mastercard®

Eligibility

Minimum $80,000 (personal) or $150,000 (household) annual income required. Subject to credit approval and other eligibility criteria.

You can earn:

  • Inverted Purple Checkmark Icon
    3% back in points6 at our grocery stores2.
  • Inverted Purple Checkmark Icon
    At least 3¢ / litre back in points at Esso™ and Mobil™ stations7.
  • Inverted Purple Checkmark Icon
    4.5% back in points at Shoppers Drug Mart® and Pharmaprix®4.
  • Inverted Purple Checkmark Icon
    3% back in points at Joe Fresh®6.
  • Inverted Purple Checkmark Icon
    1% back in points on dining, transit, and everywhere else6.

Core benefits

  • PurchaseInsurance Icon
    Purchase Assurance8.
  • ExtendedWarranty Icon
    Extended Warranty8.
  • McGlobalService Icon
    Mastercard Global ServiceTM9.

Additional benefits

  • Concierge1 Icon
    Concierge Services10.
  • Emergency Travel Medical Insurance Icon
    Travel Emergency Medical Insurance10.
  • Car Rental Icon
    Car Rental Collision/Loss Damage Waiver Insurance10.
  • Identity1 Icon
    Identity Theft Assistance Service10.

Card details

Annual Fee:

No annual fee**

Additional Cards:

Free

Purchase rate (Standard)1:

21.99%

Cash advance rate (Standard)1:

22.97%
21.97% (Quebec)

Learn More
Apply now - get matched (opens in a new window)External link

Maximize your points earning with exclusive rewards and PC Optimum™ points on everyday spending.

PC Insiders
PC® Insiders™ World Elite® Mastercard®

Eligibility

Minimum $80,000 (personal) or $150,000 (household) annual income required. Subject to credit approval and other eligibility criteria.

You can earn:

  • Inverted Purple Checkmark Icon
    4% back in points3 at our grocery stores2.
  • Inverted Purple Checkmark Icon
    Up to 7¢ / litre back in points at Esso™ and Mobil™ stations5
  • Inverted Purple Checkmark Icon
    5% back in points at Shoppers Drug Mart® and Pharmaprix®4
  • Inverted Purple Checkmark Icon
    4% back in points at Joe Fresh®3
  • Inverted Purple Checkmark Icon
    1% back in points on dining, transit, and everywhere else6.
  • PcExressPass Icon
    Skip the lines, skip delivery fees
    FREE PC Express™ Pass with unlimited $0 grocery delivery and pickup (valued at $99.99 per year) on eligible orders of $30 or more***

Core benefits

  • PurchaseInsurance Icon
    Purchase Assurance8.
  • ExtendedWarranty Icon
    Extended Warranty8.
  • McGlobalService Icon
    Mastercard Global ServiceTM9.

Additional benefits

  • Concierge1 Icon
    Concierge Services10.
  • Emergency Travel Medical Insurance Icon
    Travel Emergency Medical Insurance10.
  • Car Rental Icon
    Car Rental Collision/Loss Damage Waiver Insurance10.
  • Identity1 Icon
    Identity Theft Assistance Service10.

Card details

Annual Fee:

$120†
First year annual fee waived17

Additional Cards:

Free

Purchase rate (Standard)1:

21.99%

Cash advance rate (Standard)1:

22.97%
21.97% (Quebec)

Learn more
PC Insiders
PC® Insiders™ World Elite® Mastercard®

Eligibility

Minimum $80,000 (personal) or $150,000 (household) annual income required. Subject to credit approval and other eligibility criteria.

You can earn:

  • Inverted Purple Checkmark Icon
    4% back in points3 at our grocery stores2.
  • Inverted Purple Checkmark Icon
    Up to 7¢ / litre back in points at Esso™ and Mobil™ stations5
  • Inverted Purple Checkmark Icon
    5% back in points at Shoppers Drug Mart® and Pharmaprix®4
  • Inverted Purple Checkmark Icon
    4% back in points at Joe Fresh®3
  • Inverted Purple Checkmark Icon
    1% back in points on dining, transit, and everywhere else6.
  • PcExressPass Icon
    Skip the lines, skip delivery fees
    FREE PC Express™ Pass with unlimited $0 grocery delivery and pickup (valued at $99.99 per year) on eligible orders of $30 or more***

Core benefits

  • PurchaseInsurance Icon
    Purchase Assurance8.
  • ExtendedWarranty Icon
    Extended Warranty8.
  • McGlobalService Icon
    Mastercard Global ServiceTM9.

Additional benefits

  • Concierge1 Icon
    Concierge Services10.
  • Emergency Travel Medical Insurance Icon
    Travel Emergency Medical Insurance10.
  • Car Rental Icon
    Car Rental Collision/Loss Damage Waiver Insurance10.
  • Identity1 Icon
    Identity Theft Assistance Service10.

Card details

Annual Fee:

$120†
First year annual fee waived17

Additional Cards:

Free

Purchase rate (Standard)1:

21.99%

Cash advance rate (Standard)1:

22.97%
21.97% (Quebec)

Learn more
Apply Now (opens in a new window)External link

Unlock our best everyday interest rate of 3.1%11

PC Money Account
PC Money™ Account
Two great ways to earn with your PC Money™ Account.

Details

  • Inverted Purple Checkmark Icon
    No monthly fee
  • Inverted Purple Checkmark Icon
    No minimum balance required
  • Inverted Purple Checkmark Icon
    Free unlimited everyday transactions12
  • Inverted Purple Checkmark Icon
    No foreign exchange transaction fee16

Spending:

  • Inverted Purple Checkmark Icon
    Up to 5,000 points per month through pension or payroll direct deposits13
  • Inverted Purple Checkmark Icon
    Up to 5,000 points per month on bill payments14
  • Inverted Purple Checkmark Icon
    10 points per $115 at our grocery stores2
  • Inverted Purple Checkmark Icon
    25 points per $1 at Shoppers Drug Mart® and Pharmaprix®15
  • Inverted Purple Checkmark Icon
    5 points per $1 everywhere else15

New savings feature:

  • Inverted Purple Checkmark Icon
    Earn in interest when you add savings to your account11
  • Inverted Purple Checkmark Icon
    Free unlimited everyday transactions online and in-store12
  • Inverted Purple Checkmark Icon
    No minimum balance required and free Interac e-Transfer® services
Learn more
PC Money Account
PC Money™ Account
Two great ways to earn with your PC Money™ Account.

Details

  • Inverted Purple Checkmark Icon
    No monthly fee
  • Inverted Purple Checkmark Icon
    No minimum balance required
  • Inverted Purple Checkmark Icon
    Free unlimited everyday transactions12
  • Inverted Purple Checkmark Icon
    No foreign exchange transaction fee16

Spending:

  • Inverted Purple Checkmark Icon
    Up to 5,000 points per month through pension or payroll direct deposits13
  • Inverted Purple Checkmark Icon
    Up to 5,000 points per month on bill payments14
  • Inverted Purple Checkmark Icon
    10 points per $115 at our grocery stores2
  • Inverted Purple Checkmark Icon
    25 points per $1 at Shoppers Drug Mart® and Pharmaprix®15
  • Inverted Purple Checkmark Icon
    5 points per $1 everywhere else15

New savings feature:

  • Inverted Purple Checkmark Icon
    Earn in interest when you add savings to your account11
  • Inverted Purple Checkmark Icon
    Free unlimited everyday transactions online and in-store12
  • Inverted Purple Checkmark Icon
    No minimum balance required and free Interac e-Transfer® services
Learn more
Open an account (opens in a new window)External link
Canada Deposit Insurance Corporation (CDIC) Deposit Protection

President’s Choice Bank is a member of the Canada Deposit Insurance Corporation (CDIC).

Protect yourself against scams

Credit & Debit Card Fraud

A person with control of your bank card numbers can withdraw money or make fraudulent charges.


  • Never share your PIN or passwords, and make sure they are complex, unique, and hard to guess

  • Report lost or stolen cards or ID immediately

  • Check your financial statements every month for any transactions you don’t recall making

Identity Theft

Help protect your personal information from criminals who could use it to gain access to your bank accounts and government benefits:


  • Don't ever respond to requests for personal or financial information unless you initiated the contact

  • Shred or tear financial documents before putting them in the garbage

'Phishing' & 'Vishing'

Known as 'Phishing' and 'Vishing', scammers can pretend to represent a legitimate company or service by calling you (vishing) or emailing you (phishing) and asking for personal information.

Give yourself time to think before you act.


  • Emails and calls are likely a scam when they create a sense of urgency or pressure you.

  • Keep virus protection on your devices up to date, don't click on links in unsolicited emails and never give personal information over the phone unless you initiated the call.

Online relationship scam

Be aware of fraudsters who use online social networking or dating sites to build a relationship over time. Typically, they will earn your trust and then ask for money, often for an emergency or for travel to meet up in person. A good rule of thumb is to never send any money to a person you haven't met. If something seems too good to be true, it probably is.

"The Grandparent Scam"

Criminals may call claiming to be your grandchild and ask for money in an 'emergency', like a car accident or a problem in a foreign country. They typically ask you to send money through a transfer service, with little time to think twice and will probably tell you not to tell their parents. If in doubt, ask validating questions or call back to a number you recognize.

Learn more

Power of Attorney & important documents

Contact us if you need help completing any of these forms, we'll be happy to assist.

Power of Attorney Form (opens in a new window)External linkWhat every older Canadian should know about Powers of Attorney (for financial matters and property) and Joint Bank Accounts (opens in a new window)External linkElectronic Delivery of Documents Terms & Conditions (opens in a new window)External linkSeniors Code: Our Enhanced Measures (opens in a new window)External link

Contact Us

Contact us by chatbot

Chat with our Virtual Assistant 24/7 for an immediate response.

Contact us electronically

Email:
talktous@pcmastercard.pcfinancial.ca

Messaging:
Sign into your account and send us a note in the support centre

Contact us by mail

President's Choice Financial Mastercard,
P.O. Box 4403, Station A
Toronto, ON
M5W 5Y4

Contact us by phone

8am to 8pm local time
1 866 246 7262


Outside North America Call us collect at:
647 426 1343

Services for the hearing impaired
1 855 223 3499 (TTY only)

Submit a complaint

Submit a complaint to help us serve you better.
Submit a complaint

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President's Choice Financial Mastercard is provided by President's Choice Bank. PC Optimum program is provided by President’s Choice Services Inc.