I want to tell everyone NOT to get a PC account, thanks to them I will always remember the purchase of my wedding band as a stressful experience! I put a substantial amount cash in my account (for our wedding) last week and my debit card was declined. When I called the President's Choice Banking call center they were less than helpful until I was a bitch! They told me they had the money on hold for X amount of days (which is less than convenient)! I was standing there with a ring that was transferred specially for me and needed to buy it that night. When they finally did me a "favour" they warned me it was a "one time thing"! I have never had that issue with Royal Bank!