Skip to content
PC Financial®
PC® Mastercard®PC Insiders™ World Elite Mastercard®Compare credit cards
PC Money™ AccountFund Days Contest
About UsPC OptimumDigital BankingCareers
FAQsBlogLearning HubRefer a FriendFind an ATMContact Us
Sign in (opens in a new window)
  • Learning Hub
  • FAQs
  • PC Money Account 101
Search

Why are my transactions and deposits to my PC Money™ Account showing up as pending transactions?

Transactions may temporarily show with a pending status for up to several days due to processing. Don’t worry, pending status is not a hold or a delay. Any deposits made to your PC Money™ Account that are not on hold but showing as pending are available to you immediately for use.

If a hold is applicable, it will appear in the hold section of your PC Money™ Account balance. These funds may be held for up to five business days (not including weekends and holidays) before you can access them from your account to ensure that the transaction from your external bank account has been completed.

The hold starts from the time the transfer is no longer in the scheduled & pending transactions and appears as deposited funds in your account until the evening of the fifth business day.

Example: Transfer is initiated on a Monday. Funds are deposited into your account on the Tuesday and a five-business-day hold is applied. The hold will be released the following Tuesday in the evening calculated as follows: Wednesday = 1 day, Thursday = 2 days, Friday = 3 days, Monday = 4 days, Tuesday = 5 days.

Related questions

  • What is the interest rate for the savings feature?
  • Do I pay a fee when I make transactions in a foreign currency with my PC Money™ Account?
  • What Is the new Savings feature?
  • How do I transfer money into my Savings?
  • How do I transfer or add funds into my PC Money™ Account from another financial institution?
Opens in a new tab
PC Financial®
Download on the App Store (opens in a new window)Get it on Google Play (opens in a new window)
Facebook (opens in a new window)Twitter (opens in a new window)Instagram (opens in a new window)LinkedIn (opens in a new window)Pinterest (opens in a new window)
This icon serves as a link to download the eSSENTIAL Accessibility assistive technology app for individuals with physical disabilities. It is featured as part of our commitment to diversity and inclusion.Assistive technology (opens in a new window)Canada Deposit Insurance Corporation (CDIC) Deposit Protection (opens in a new window)
About UsContact UsFAQsBlogMedia Centre
CareersSecurity and FraudCDIC MemberLegal & PrivacyWebsite Terms of Use
AccessibilitySocial Responsibility (opens in a new window)External linkPCOptimum.ca (opens in a new window)External linkPresident’s Choice (opens in a new window)External linkPC Mastercard

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