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What you get with the All-In Banking Package
Unlimited daily bank account
Spend, send, and pay bills with unlimited transactions (including e-Transfers!) and thousands of fee-free ATMs across Canada.
Savings account
Reach your goals faster with 0.15% interest on your savings2, and tools to help you save more.
Virtual financial assistant
Get spending insights and learn about personal finance from MAI, your AI-powered financial sidekick.
Automated savings tools
Earn more interest with Savings Sweeps, which automatically moves excess money into your savings account each night.
Unlimited daily bank account
Spend, send, and pay bills with unlimited transactions (including e-Transfers!) and thousands of fee-free ATMs across Canada.
Savings account
Reach your goals faster with 0.15% interest on your savings2, and tools to help you save more.
Virtual financial assistant
Get spending insights and learn about personal finance from MAI, your AI-powered financial sidekick.
Automated savings tools
Earn more interest with Savings Sweeps, which automatically moves excess money into your savings account each night.
Here's what makes the All-In Banking Package so awesome
| The All-In Banking Package | Traditional unlimited bank account | |
|---|---|---|
 Monthly fee |
$10 | $14.95+ |
 Free banking |
Save just $100 each month to waive the monthly fee | Need to maintain a high minimum daily balance of $3,000 to $5,000 to waive the monthly fee |
 Unlimited e-Transfers |
Yes | Yes |
 Savings account |
Earn interest on every dollar you save | Zero or low interest with high balance requirements |
 Travel disruption insurance |
$10,000 of coverage3 | Not included |
 Virtual financial assistant |
Yes | Some banks |
 Customizable auto-savings tools |
Yes | No |
 Secured overdraft4 |
Yes | No |
- All-In Banking
- Traditional account
 |
Monthly fee$10 |
 |
Free bankingSave just $100 each month to waive the monthly fee |
 |
Unlimited e-TransfersYes |
 |
Savings accountEarn our everyday high rate of interest on every dollar you save |
 |
Travel disruption insurance$10,000 of coverage3 |
 |
Virtual financial assistantYes |
 |
Customizable auto-savings toolsYes |
 |
Secured overdraft4Yes |
|
Monthly fee$14.95+ |
| |
Free bankingNeed to maintain a high minimum daily balance of $3,000 to $5,000 to waive the monthly fee |
| |
Unlimited e-TransfersYes |
| |
Savings accountZero or low interest with high balance requirements |
| |
Travel disruption insuranceNot included |
| |
Virtual financial assistantSome banks |
| |
Customizable auto-savings toolsNo |
| |
Secured overdraft4No |
One year of Amazon Prime is yours when you use your All-In Banking Package. Already an Amazon Prime member? Your next year is still on us.
To get Amazon Prime on us, simply make 5 or more purchases or bill payments (excluding credit card bill payments) in each of the first two full months after you open your account.
For example, if your banking package was opened in September – whether it’s September 1st or September 30th – you’ll have to make 5 purchases or bill payments in both October and November to qualify. If you qualify, we’ll email you an Amazon claim code with instructions on how to redeem it.
Here’s what others are saying about our award-winning iOS and Android apps
Did we mention it’s Canada’s top-rated bank app?
Banking that is Simply designed for your needs
I appreciate the simplicity and the luxury of being able to do my banking needs from the palm and privacy of my own home.
Best Banking App
This app makes it easy for me to manage my money!
Speedy and easy banking experience
The new UX with the recent update has simplified and modernized the look and feel of my Manulife bank accounts. Sync's to my contacts now making e-transfers easier. Compared to the other bank apps I have (Scotia, RBC and Tangerine) - this is by far the best! Love the All In package! Looking forward to gaining more insights into my spending habits.
Great banking app
I love the All-In-Banking redesign. Looks really slick! 👌
User friendly
This is by far my favourite banking app. Easy to navigate and understand! No issue transferring money, looking at transactions or locating ATMs. The best part by far that elevates it from other banks is chat bot and the simple to view break down of my expenses by categories in colourful pie chart.
The All-In Banking Package gives you everything you need to bank smarter for just $10 a month. And if your High-Interest Savings Account balance is just $100 higher at the end of every month than it was on the last day of the previous month, we’ll waive the monthly fee.
There are some additional fees for things including making withdrawals at bank machines that aren’t part of our network or using your card outside of Canada. Here’s a full list of the services and fees associated with the All-In Banking Package.
Yes, you can! We know how handy cheques can be sometimes. If you're ordering cheques for the first time on this account, or if your name or address has changed since the last cheque order, please give us a call at 1-877-765-2265. Otherwise, you can order cheques from within your online account or from our mobile app.
Savings Sweeps can make it easier for you to reach your savings goals. Simply choose how much money you want to keep in your everyday banking account and the rest will be moved to your savings account at the end of each day. Remember, if you grow the balance of your savings account by $100 each month, we’ll waive your monthly banking fee!
When you don’t have enough available cash in your Everyday Banking account, but you do have money in your High-Interest Savings Account (HISA), secured overdraft can help you avoid non-sufficient funds (NSF) charges if you forget about an automatic withdrawal or an unexpected expense pops up.
Your secured overdraft limit is 75% of the balance in your HISA. For example, if you have $1,000 in your HISA, you can overdraw your Everyday Banking Account by up to $750. The maximum secured overdraft limit is $5,000, with a 15% interest rate that’s calculated daily. However, there are no daily or per use fees.
Travel disruption insurance will get you home if an emergency (including schedule delays, government advisories, an unexpected medical situation, and a variety of other reasons) happens while you're travelling. Travel disruption insurance covers up to $10,000 per account year ($2,000 year per trip) towards non-refundable costs like flights, hotels, Airbnbs, pre-paid tickets/tours, and many other travel expenses. Check out the insurance policy certificate for more details. Subject to limitations and exclusions.
Get it all in less than five minutes
Open an accountManulife Bank of Canada is a member of the Canada Deposit Insurance Corporation (CDIC), which means your deposits are eligible for CDIC deposit insurance protection. Visit cdic.ca for information on eligible deposits.
‡ You must redeem your Amazon Prime Membership Code and agree to the Amazon Prime Terms and Conditions to qualify for Amazon Prime membership. The membership codes are good for one-time use only and must be redeemed by December 31, 2021. Your Amazon Prime membership automatically renews for the membership fee in effect at the time of renewal plus applicable taxes. Currently, the Amazon Prime membership fee is $7.99/month or $79/year plus applicable taxes. You may cancel at any time by visiting Your Account and adjusting your membership settings. Valid credit card required at time of registration if Amazon does not have one on file. Amazon Prime Membership Codes cannot be transferred or resold. For more information about Amazon Prime, visit amazon.ca/prime. Amazon.com is not a sponsor of this promotion. All Amazon ®, TM & © are IP of Amazon.com, Inc. or its affiliates.
† At the end of every month, if the balance in your High Interest Savings Account is $100 higher than the balance on the last day of the previous month, we’ll waive the monthly package fee. Other fees may apply.
1 Unlimited transactions, including Interac direct payments (debit), Interac e-Transfers, bill payments, and ATM cash withdrawals on THE EXCHANGE® Network, are covered in the monthly fee.
2 Interest is calculated daily on the total daily balance and paid monthly. Rate is subject to change without notice.
3 Conditions and exclusions apply. Underwritten by The Manufacturers Life Insurance Company (Manulife) and First North American Insurance Company, a wholly owned subsidiary of Manulife. Manulife, P.O. Box 670, Stn Waterloo, Waterloo, Ontario, N2J 4B8.
4 As at June 9, 2019, the Annual Interest Rate for the secured overdraft is 15%. It is calculated on the total daily closing balance and charged monthly. Rates are subject to change without notice.
*4.8 out of 5 in the Apple App Store as of January 28, 2021. 4.7 out of 5 in Google Play as of January 28, 2021.
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