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I'm a President's Choice Financial services new customer. What should I do first?

First, you should check to make sure you are using a supported browser.

In order to access the secure banking area, you'll need to register by selecting a password. To access your bank accounts, PC MasterCard and PC points, you can register by choosing "select a password to register” at the top of each page. Select a password now.

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What should I do if I forget my password?

If you forget your online banking password, you can still reset it by answering your personal verification questions. This is a convenient way for you to reset your password without even picking up the telephone.

If you haven't set up your personal verification questions and answers, please contact us at 1-888-723-8881 to reset your password. After verifying yourself, press 5 to select the online banking option from the main menu of the automated system and follow the prompts. Once you have reset your password, you will need to re-register for online banking.

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What can I do to ensure my online account information is safe?
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Is there any legal stuff that I need to know?

Your Welcome Kit contains the legal agreement for President's Choice Financial services, which we suggest you read before you bank with us. When you register, you are agreeing to the terms and conditions of that legal agreement.

You can also find President's Choice Financial services legal agreements in legal stuff.

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What kind of Internet browser do I need?

To access your President's Choice Financial online accounts, please ensure you are using one of the supported browsers that use 128-bit encryption.

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What are cookies and how do you use them?

A cookie is a small data or text file that a web server sends to your computer's web browser to be stored and referenced for future use. It contains information about how you are using a web site and can track your movements through it.

Cookies are not used to read your hard drive and they cannot access files and information stored on your computer. They cannot reveal anything about you that you have not chosen to enter as a user on a web site.

We do not store any personal information — such as your name, e-mail address or Social Insurance Number — on a cookie. We do not use cookies to gather information for marketing or promotional purposes. In addition, we cannot use cookies to find out what web sites you visit once you leave the President's Choice Financial services web site.

We use 2 types of cookies: persistent cookies and session cookies.

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How do I clear my browser cache?

To clear your browser's cache, follow these instructions.

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What is JavaScript and why do I need it?

JavaScript is a small program that enhances web pages and servers. We use JavaScript to make our web sites easier to use. You must have JavaScript enabled on your browser to use the President's Choice Financial services web site.

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What is the difference between a session cookie and a persistent cookie?

A session cookie only stores information while you are connected to a particular web site, and is no longer available after you close your browser session. A persistent cookie is written onto your hard drive and can remain there permanently until you choose to delete it or until it reaches its pre-assigned expiry date.

Session cookies are used to enhance security and navigation when you bank online. For example, session cookies protect your security while you are signed in to online banking by ensuring no one else can view your data while you are signed in. We also use session cookies to warn you that you may be making a duplicate bill payment online. Your web browser must allow session cookies in order for you to bank online with us.

Persistent cookies are used for your convenience to save your personal preferences when you bank online. For example, you must allow persistent cookies if you want your browser to remember your bank card number each time you sign in to online banking.

We may also use persistent cookies to remember what information has been presented to you, so you do not see it again. For example, if we have to communicate information to you through a pop-up message or temporary message, a persistent cookie will make sure you only have to see the information once, rather than having to see it every time you visit our web site.

We also use session and persistent cookies to collect analytical information about how visitors use our web site. For example, we may measure web site usage, access to online services and the level of interest in particular products. We use this information to improve our service and provide a better experience for visitors to our web site. To gather this information, we use cookies that track how a computer uses our web sites and whether the computer has been used to sign in to bank online. Currently, we don't use cookies to collect information about identifiable individuals or use cookie information to offer products and services to individuals. If this changes in the future, we will update this section.

We never store your personal financial information in cookies or uses cookies to track your online use after you leave our web site.

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Do I have to accept cookies?

Although it is not necessary to accept persistent cookies to access our web site, you do have to accept session cookies to sign in to the secure online banking part of the web site in order for it to function correctly. Cookies are used for added security and convenience when banking online with us.

If you are concerned about accepting cookies from other web sites, you can set your browser to warn you that you are about to receive one. You can then choose whether to accept it or not. But remember, if you choose not to accept session cookies then you will not be able to sign in to online banking.

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How do I set my browser to accept or disable cookies?

To set your browser to accept or disable cookies, please follow these instructions.

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When I select the padlock in Internet Explorer I get a message that says, "This certificate has failed to verify for all of its intended purposes." Is this site secure?

Yes. The President's Choice Financial secure site does use secure encryption to protect your banking information over the Internet. This is a known bug affecting versions of Internet Explorer 5, 5.01, 5.01 with SP1, and 5.5. By selecting the Certification Path in the same dialog box you will see the message in the bottom field advising that, "This certificate is OK."

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Need to contact us?

Just call us toll-free at 1-888-723-8881 for assistance.

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President's Choice Financial services are provided by the direct banking division of CIBC. President's Choice Financial MasterCard is provided by President's Choice Bank.