President's Choice Financial (), commonly shortened to PC Financial, is the financial service brand of the Canadian supermarket chain Loblaw Companies. Two different wholly owned subsidiaries of Loblaw Companies provide services under the President's Choice Financial brand: personal banking and Mastercard credit card services are provided by the federally chartered President's Choice Bank, and insurance is provided by PC Financial Insurance Brokers. Services Bank Machines (ATMs) Most Loblaws and Loblaws-owned stores offer access to a PC Financial-branded ATM. These ATM can be used for no fee by PC Financial MasterCard holders. All other customers who use the ATM (including Simplii) will be charged fees Mastercard credit cards President's Choice Financial Mastercard credit cards are issued by President's Choice Bank, a subsidiary of Loblaw Companies. PC Mastercard has no relationship to CIBC, and cash advance fees were reinstated upon the dissolution of the CIBC partnership.l PC Financial MasterCards are embedded with PayPass technology. In November 2014, Ugo Wallet, a mobile wallet app for Android was launched in partnership with TD Canada Trust. In addition, users can store PC credit cards on Apple Pay and Android Pay. Insurance President's Choice offers auto insurance and home insurance, underwritten through a broker model by a number of selected Canadian insurance companies, pet insurance, underwritten by SecuriCan General Insurance Company, and travel insurance by Travel Guard Canada as managing general underwriter and agent for American Home Assurance Company. President's Choice discontinued their home and auto insurance offerings to new customers in 2009 for a brief period as structural changes were made. During this time, the previous partnership with Aviva came to an end. Their home and auto insurance products returned under a separate "broker model" in January 2010. Home and auto insurance are offered in Ontario, Alberta, New Brunswick, Prince Edward Island, Nova Scotia, and Newfoundland. Consumer banking (since 2020) President's Choice Financial launched the PC Money Account, a new no-fee "debit-like" personal banking service, on September 14, 2020. Unlike its former banking service, which was provided by CIBC, PC Money Accounts are issued directly by President's Choice Bank. The PC Money account card can be used to collect PC Optimum points on everyday purchases, and can be used online and worldwide at any retailer that accepts Mastercard. Unlike conventional chequing accounts in Canada, the PC Money account does not use the Interac network on domestic debit transactions, as the card operates exclusively on MasterCard’s