Information for Seniors.
Everybody’s need for financial services evolves as life goes on. Whether it’s over the phone, in person, or online, we’re always happy to answer questions and make sure that everyone is taken care of.
Are PC Financial® products right for you?
We want your money to do more for you. With a PC Money™ Account there is no monthly fee*, and with a PC® Mastercard®, there is no annual fee**. For every dollar of your purchases with our cards, you get PC Optimum™ points that can be redeemed10 at participating stores toward the things you need. To support you in using PC Financial® payment products, we do our best to ensure our web pages are easy to read and our online forms are straightforward.
Here’s everything you need to know to find out about the card that’s best for you.
PC Money™ Account
The only bank account that rewards you with PC Optimum™ points for your everyday banking activities like payroll or pension direct deposit3, paying bills4 and on every dollar you spend when you shop.1
No monthly fee
- Earn 10 PC Optimum points1 per $1 when you shop at participating locations.
- Earn 5 PC Optimum™ points per $1 everywhere else you shop1.
- Earn up to 10,000 PC Optimum™ points each month from payroll or pension direct deposit3 and bill payments4.
- Spend your money in-store and online with an unlimited number of everyday transactions2
- Optional Overdraft Protection5.
- Free Interac e-Transfer® services.
- No minimum balance.
- Mastercard® Zero Liability Promise for unauthorized purchases6
PC® Mastercard®
Earn PC Optimum™ points fast on your everyday purchases with the PC® Mastercard®.
No annual fee
- Depending on the card you're approved for, get up to 30 PC Optimum™ points per $1 at participating stores on all the stuff you need: groceries, beauty, household products and more7.
- Earn 10 PC Optimum™ points per $1 everywhere else.
- Great benefits, like free Extended Warranty and Purchase Assurance8.
- Add up to 4 family members to your account to earn more points through their purchases with the card.
- Mastercard® Zero Liability Promise for unauthorized purchases9.
Staying safe 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 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.
Helpful Resources
We’re proud of the products, services and rewards we offer and we want to make it easier for you to enjoy their benefits. Here are some resources that may help you out.
Privacy Policy
The providers of President's Choice Financial® products and services are committed to keeping your privacy protected and your information confidential at all times. for more information view the Loblaws Privacy Policy (opens in a new window).
Accessibility
We recognize accessibility is a key feature of inclusivity for all Canadians. We are dedicated to identifying, removing, and preventing barriers for colleagues, customers, and stakeholders with disabilities.
Complaints Handling Policy
We want your feedback and value the opportunity to resolve your concerns fairly and in a timely manner.
Learning Hub
Get clear explanations of our product features, including step-by-step video tutorials on how to use them, plus great financial management tips and habits.
Downloadable forms.
Contact us if you need help completing any of these forms, we'll be happy to assist.