OPA members: Maximize your money and get all the perks.

Unlimited daily bank account

Spend, send, and save with unlimited transactions (including e-Transfers!) and fee-free use of over 3,500 ABMs across Canada.

High-interest savings account

Reach your goals faster with 1.20% interest on your savings, and tools to help you save more.

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No annual fee cash back Visa*‡‡

Get 5% cash back at grocery stores for your first 3 statements, 2% after that, and 1% on everything else.‡‡

Travel insurance

Explore the world and know you’re protected with $10,000 of annual travel disruption insurance.

All that for just $8 a month. Want no-fee banking? We'll rebate the $8 fee each month that you save $100 or more!

Open your account now

Spend smarter, save easier, and manage debt better.

Innovative saving tools, personalized insights, and a virtual financial assistant, all wrapped into one amazing mobile experience.

That is the Manulife All-In Banking Package.

Open an account

Get one year of Amazon Prime on us.

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 10 or more purchases in each of the first 3 full months.

A complete banking package, yours in less than five minutes.

Open an account

Need help? Just call us. 

1-888-444-6604
 

Manulife Bank 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.

1. Can I order cheques?
Ordering and writing personal cheques aren’t available with the All-In Banking Package just yet, but they’ll be ready this summer! In the meantime, you can send unlimited e-Transfers to anybody in Canada.

2. Can I make purchases with Apple Pay?
This summer, you’ll be able to make purchases with your ManulifeMONEY+ Visa card through Apple Pay, Google Pay, and Samsung Pay. Keep your eyes peeled for that official announcement.
But that’s not where the good news ends! To make it even easier for you to shop, we’re also working on adding debit payments to Apple Pay, Google Pay, and Samsung Pay. We’re aiming to have this ready later in 2019 or early 2020.

3. What are Savings Sweeps? How do they work?
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!

4. What is secured overdraft?
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.

5. What does travel disruption insurance cover?
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.

6. How much could I earn in cash back rewards in a year?
That depends on how much you spend on your card – but cash back rewards add up quickly:

If you spend... $400/month on groceries
If you spend... Cash back reward You will earn...
$400/month at grocery stores 5% for your first 3 statements $60
2% after your first 3 statements $72
If you spend... $1000/month on everything else
Cash back reward You will earn...
$1,000/month on everything else 1% $120
Total annual earnings Total annual earnings $252

Apple Pay is a registered trademark of Apple Inc.

Google Pay is a trademark of Google Inc.

Samsung Pay is a registered trademark of Samsung Electronics Co., Ltd.

 

*Trademark of Visa Int., used under license.

♢ Manulife All-In Banking Package - Terms & Conditions

 

  • Fees are subject to change with at least 30 days of prior written notice.
  • All fees are presented on a per item basis, unless otherwise stated.
  • Additional convenience fees may apply when you make direct-payment purchases with your debit card.

 

Free Banking offer: At the end of the 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 rebate the monthly fee. Other fees may apply.

Unlimited transactions offer: unlimited transactions including Interac direct payments (debit), Interac e-Transfers, bill payments, and ABM cash withdrawals on THE EXCHANGE® Network, are covered in the monthly fee. 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.

Secured Overdraft: As at July 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. 
1.20% Interest is calculated on the closing daily balance and paid monthly. Rate as of July 26, 2019. Rate is subject to change without notice. View our current rates for more details.

Amazon Prime offer: 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 within 2 years of receipt. Your Amazon Prime membership automatically renews for the membership fee in effect at the time of renewal 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 Prime has a CAD $79/ year value. Amazon.com is not a sponsor of this promotion. All Amazon ®, TM & © are IP of Amazon.com, Inc. or its affiliates.

In-store and online purchases count towards the 10 monthly purchases. Debit and credit card purchases are both eligible, if you qualified for the Visa credit card associated with the All-In Banking Package. For example, if your banking package was opened in June – whether it’s June 1st or June 30th – you’ll have July and August to make the 10 qualifying purchases per month. If you qualify, we’ll email you an Amazon claim code with instructions on how to redeem it.

‡‡Unlimited cash back offer/ManulifeMONEY+™ Visa* Platinum Card: Subject to credit card approval. You will earn a bonus of an additional 3% cash back, for a total of 5% cash back on the first $2,000 in purchases at merchants classified in the Visa network as Grocery Stores & Supermarkets (Merchant Code: 5411) when those purchases are posted to your account beginning on your account opening date and ending three statements after your account opening date. Purchases may take a few days or more to post to your account depending on the merchant. Purchases made but not yet posted within the three-statement promotional period are not eligible for the bonus. You will earn regular cash back of 2% on purchases at merchants classified as Grocery Stores & Supermarkets after the three-statement promotional period. All other terms of the Manulife Bank Rewards Terms and Conditions that apply to your account continue to apply during this promotional offer. Offer may be changed or extended and cannot be combined with any other offer.

Unlimited means there is no maximum cashback you can earn on your purchases – all purchases receive 1% cashback, and the first $15,000 in grocery purchases you spend in a year will earn 2% cashback. You will earn 2% cash back on the first $15,000 you spend annually at merchants classified in the Visa network as Grocery Stores & Supermarkets (Merchant Code: 5411). All other purchases earn 1% cash back. The $15,000 annual spending limit will reset to zero on each anniversary of the date you opened your credit card account. Terms, conditions and eligible merchant/merchant categories may change without notice. For residents of Québec only, the terms and conditions are subject to change at any time with 30 days prior written notice. Cash back is earned on card purchases less returns and not on cash advances, interest, fees, service/transaction charges, balance transfers, and payments.

■ Travel Disruption Insurance: Insurance is underwritten by The Manufacturers Life Company and First North American Insurance Company, a wholly owned subsidiary of Manulife. Manulife, PO Box 670, Stn Waterloo, Waterloo, ON N2J 4B8. Insurance is subject to exclusions, limitations, and conditions. Clients should refer to the Certificates of Insurance included with their Cardholder Agreement for complete details on each benefit. Clients should read the Certificates of Insurance then keep the Cardholder Agreement in a safe place with other valuable documents and take it with them when they travel.

®Trade-mark of Interac Inc. Used under license. Fiserv EFT is the owner of THE EXCHANGE® trade mark and its associated rights. Fiserv EFT has granted FICANEX® the exclusive right to use, market and sublicense THE EXCHANGE® trade mark and the intellectual property rights associated with the operation of THE EXCHANGE® Network throughout Canada. Manulife Bank of Canada is an authorized user of the mark.

Manulife, Manulife Bank & Stylized M Design, ManulifeMONEY+, Manulife All-In Banking Package, and Stylized M Design are trademarks of The Manufacturers Life Insurance Company and are used by it, and by its affiliates under license.