Best PC Financial Chequing Accounts in Canada

Compare the top chequing accounts from PC Financial.

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Bank account	Monthly fee	Offer and rates
PC Money™ Account	Monthly fee$0 Included transactions · Unlimited	Offer and ratesEnjoy a welcome offer of 150,000 PC OptimumTM points in total, worth $150 in rewards, subject to conditions. For new, first-time account holders applying online through the offer page: start within 60 days of opening and receive at least $1,500 in automatic payroll or pension direct deposits per calendar month for three consecutive months. Interac e-Transfers, electronic funds transfers and other deposits do not qualify; the Bank determines classification. The 150,000 points include standard direct-deposit points rather than being added on top. Additional top-up points are awarded four to six weeks after requirements are met; standard points arrive two to seven business days after the required threshold. This offer replaces other introductory offers and may change or end without notice. Terms consulted October 30, 2026. No monthly fees or minimum balance required. Unlimited everyday transactions at no cost; dollar limits and fees for other services or special requests may apply. Interac e-TransferMD service at no cost. Foreign currency transactions have no conversion markup; the Mastercard rate on the processing date applies and ATM withdrawal fees may still apply. Up to 5,000 PC Optimum points per month for eligible automatic payroll or pension direct deposits: 2,000 points for a monthly total of $1,500–$2,999, plus 3,000 points when that total exceeds $2,999. Transfers and other deposits do not qualify; President’s Choice Bank determines classification. Up to another 5,000 points per month for bill payments: 1,000 points per payment of at least $50 to a unique payee, maximum five per month. Eligible purchases earn 10 points per dollar at participating Loblaw banner stores, 25 at Shoppers Drug Mart (15 membership points plus 10 account points), and at least 5 elsewhere. Bill payments, transfers, fees and interest are excluded from purchase rewards; returns result in points deductions. Earn 2.2% interest* and grow your savings balance with the optional savings feature. 150,000 PC Optimum points in total ($150): eligible payroll/pension deposits of at least $1,500 per month × three months, starting within 60 days; conditions below.Enjoy a welcome offer of 150,000 PC OptimumTM points in total, worth $150 in rewards, subject to conditions. For new, first-time account holders applying online through the offer page: start within 60 days of opening and receive at least $1,500 in automatic payroll or pension direct deposits per calendar month for three consecutive months. Interac e-Transfers, electronic funds transfers and other deposits do not qualify; the Bank determines classification. The 150,000 points include standard direct-deposit points rather than being added on top. Additional top-up points are awarded four to six weeks after requirements are met; standard points arrive two to seven business days after the required threshold. This offer replaces other introductory offers and may change or end without notice. Terms consulted October 30, 2026. No monthly fees or minimum balance required. Unlimited everyday transactions at no cost; dollar limits and fees for other services or special requests may apply. Interac e-TransferMD service at no cost. Foreign currency transactions have no conversion markup; the Mastercard rate on the processing date applies and ATM withdrawal fees may still apply. Up to 5,000 PC Optimum points per month for eligible automatic payroll or pension direct deposits: 2,000 points for a monthly total of $1,500–$2,999, plus 3,000 points when that total exceeds $2,999. Transfers and other deposits do not qualify; President’s Choice Bank determines classification. Up to another 5,000 points per month for bill payments: 1,000 points per payment of at least $50 to a unique payee, maximum five per month. Eligible purchases earn 10 points per dollar at participating Loblaw banner stores, 25 at Shoppers Drug Mart (15 membership points plus 10 account points), and at least 5 elsewhere. Bill payments, transfers, fees and interest are excluded from purchase rewards; returns result in points deductions. Earn 2.2% interest* and grow your savings balance with the optional savings feature. 2.2% Regular rate	Apply NowCompareRead review

PC Money™ Account

New account holders: conditional offer of 150,000 PC Optimum points in total ($150 value) for at least $1,500 in automatic payroll or pension direct deposits per month for three consecutive months, starting within 60 days of opening the PC Money Account^TM.

This account has no monthly fee or minimum balance and includes unlimited everyday transactions, including Interac e-Transfers. There is no foreign currency conversion markup; the Mastercard exchange rate on the processing date applies and ATM withdrawal fees may still apply.

Up to 5,000 PC Optimum points per month for eligible automatic payroll or pension direct deposits: 2,000 points for a monthly total of $1,500–$2,999, plus 3,000 points when that total exceeds $2,999. Transfers and other deposits do not qualify; President’s Choice Bank determines classification. Up to another 5,000 points per month for bill payments: 1,000 points per payment of at least $50 to a unique payee, maximum five per month. Eligible purchases earn 10 points per dollar at participating Loblaw banner stores, 25 at Shoppers Drug Mart (15 membership points plus 10 account points), and at least 5 elsewhere. Bill payments, transfers, fees and interest are excluded from purchase rewards; returns result in points deductions.

Finally, optimize your savings with an interest rate of 2.2% and grow your capital with the optional savings feature.

PC Money™ Account

PC Financial

Monthly fee: $0; No monthly fee
Included transactionsUnlimited Interac included: Unlimited
Account highlightsEnjoy a welcome offer of 150,000 PC OptimumTM points in total, worth $150 in rewards, subject to conditions. For new, first-time account holders applying online through the offer page: start within 60 days of opening and receive at least $1,500 in automatic payroll or pension direct deposits per calendar month for three consecutive months. Interac e-Transfers, electronic funds transfers and other deposits do not qualify; the Bank determines classification. The 150,000 points include standard direct-deposit points rather than being added on top. Additional top-up points are awarded four to six weeks after requirements are met; standard points arrive two to seven business days after the required threshold. This offer replaces other introductory offers and may change or end without notice. Terms consulted October 30, 2026. No monthly fees or minimum balance required. Unlimited everyday transactions at no cost; dollar limits and fees for other services or special requests may apply. Interac e-TransferMD service at no cost. Foreign currency transactions have no conversion markup; the Mastercard rate on the processing date applies and ATM withdrawal fees may still apply. Up to 5,000 PC Optimum points per month for eligible automatic payroll or pension direct deposits: 2,000 points for a monthly total of $1,500–$2,999, plus 3,000 points when that total exceeds $2,999. Transfers and other deposits do not qualify; President’s Choice Bank determines classification. Up to another 5,000 points per month for bill payments: 1,000 points per payment of at least $50 to a unique payee, maximum five per month. Eligible purchases earn 10 points per dollar at participating Loblaw banner stores, 25 at Shoppers Drug Mart (15 membership points plus 10 account points), and at least 5 elsewhere. Bill payments, transfers, fees and interest are excluded from purchase rewards; returns result in points deductions. Earn 2.2% interest* and grow your savings balance with the optional savings feature.: 150,000 PC Optimum points in total ($150): eligible payroll/pension deposits of at least $1,500 per month × three months, starting within 60 days; conditions below.

Monthly fee: $0
Included transactions: Unlimited
Interac e-Transfers: Unlimited Interac included
E-statement: Not included

Regular interest: 2.2%Annual rate on the optional savings-feature balance, separate from the spending balance.Rate as of October 26, 2026 · Checked October 26, 2026 · Institution source

Account highlights

150,000 PC Optimum points in total ($150): eligible payroll/pension deposits of at least $1,500 per month × three months, starting within 60 days; conditions below.

Account details & conditions

Enjoy a welcome offer of 150,000 PC Optimum^TM points in total, worth $150 in rewards, subject to conditions. For new, first-time account holders applying online through the offer page: start within 60 days of opening and receive at least $1,500 in automatic payroll or pension direct deposits per calendar month for three consecutive months. Interac e-Transfers, electronic funds transfers and other deposits do not qualify; the Bank determines classification. The 150,000 points include standard direct-deposit points rather than being added on top. Additional top-up points are awarded four to six weeks after requirements are met; standard points arrive two to seven business days after the required threshold. This offer replaces other introductory offers and may change or end without notice. Terms consulted October 30, 2026.
No monthly fees or minimum balance required.
Unlimited everyday transactions at no cost; dollar limits and fees for other services or special requests may apply.
Interac e-Transfer^MD service at no cost. Foreign currency transactions have no conversion markup; the Mastercard rate on the processing date applies and ATM withdrawal fees may still apply.
Up to 5,000 PC Optimum points per month for eligible automatic payroll or pension direct deposits: 2,000 points for a monthly total of $1,500–$2,999, plus 3,000 points when that total exceeds $2,999. Transfers and other deposits do not qualify; President’s Choice Bank determines classification. Up to another 5,000 points per month for bill payments: 1,000 points per payment of at least $50 to a unique payee, maximum five per month. Eligible purchases earn 10 points per dollar at participating Loblaw banner stores, 25 at Shoppers Drug Mart (15 membership points plus 10 account points), and at least 5 elsewhere. Bill payments, transfers, fees and interest are excluded from purchase rewards; returns result in points deductions.
Earn 2.2% interest* and grow your savings balance with the optional savings feature.

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