Pre-Authorized Contribution Plan

An Economic way for you to save and invest with regular contributions

Pre-authorized contribution (PAC) plans can help you save money, budget better or invest regularly in an easy and convenient way.

They work by making regularly scheduled transfers from your account into a savings account and you can choose a weekly, bi-weekly semi-monthly, monthly, quarterly or even an annual schedule with the amount you want to contribute. Watch your savings grow by using the PAC plan.

You can save for a family vacation, purchase a new car, pay for your children’s education or simply save money into your cash account. To get a visual picture to figure out the details of your savings plan, try our online calculators.

Tools and Calculators

You can also, PAC into:

  • RRSPs
  • RESPs
  • TFSAs
  • Non-registered investment accounts
  • Savings accounts
  • Mutual Fund* non-registered investment accounts

By setting up a PAC plan as an investment strategy, you’re paying yourself first by automatically saving a portion of what you earn each month. You’re also giving yourself increased security and improving your financial stability. You will benefit from interest gained on a more consistent basis than a traditional one-time contribution to an RRSP.

Are you ready to start saving today?

Whether your needs are simple or complex, our skilled and knowledgeable investment team can provide advice and services that are right for you.

Choose from the options above to find out how you can start taking advantage of a PAC plan to save for your future.

Express Application

*Mutual funds are offered through Credential Asset Management Inc.


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