The All-In Banking Package

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Everything you need to make the most of your money

The Manulife All-in Banking Package™ gives you unlimited everyday banking1, a savings account, smart savings tools, and overdraft protection2. All that, wrapped into an award-winning mobile experience.

You can get it all for just $10 a month. Want no-fee banking? We’ll rebate the $10 fee each month that you save $100 or more!3

High-Interest Savings Account rate4

Here’s what the package includes:

  • Everyday Banking Account: unlimited Interac e-Transfer® transactions Interac® Debit purchases, bill payments, and withdrawals
  • High-Interest Savings Account: earn interest on every dollar you save
  • Innovative savings tools: reach your financial goals with automated saving tools
  • Travel insurance: stay covered while you’re abroad with $10,000 of annual travel disruption insurance4
  • Secured overdraft: in case you face any unexpected expenses, secured overdraft can help you avoid NSF fees2
All In Banking App and Card image All In Banking App and Card image


Rates & fees

Bank Account Rates

Savings Account rate5: 1.85%
Everyday Banking Account rate: 0%
Secured overdraft rate2: 15.00%


Monthly fee: $10
At the end of every month, if your High-Interest Savings Account balance is $100 higher than it was on the last day of the previous month, we’ll waive the monthly fee.

Other services and fees include:

Deposit Service Fees
Service Fee
Transferring money from your account at another Canadian bank No charge
Direct deposit No charge
ATM deposits No charge
Mobile cheque deposit No charge
Withdrawal Service Fees
Service Fee
Sending money using Interac e-Transfer®6 No charge
Debit card purchases in Canada No charge
Withdrawals in Canada at ATMs that are part of THE EXCHANGE® Network No charge
Withdrawals in Canada at ATMs that aren't part of THE EXCHANGE® Network* $1.50
ATM withdrawals outside of Canada* $3.00
Pre-authorized withdrawals No charge
Transferring money to your account at another Canadian bank No charge
Bill payments No charge
*ATMs that aren't part of THE EXCHANGE® Network may charge their own convenience fees for withdrawals.



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.

Here are the default daily limits for different transaction types:

  • ATM withdrawals: $1,200/day
  • Point of sale/debit transactions, including in-store cash back: $3,000/day
  • Outgoing transfers: $50,000
  • Interac e-Transfer: $3,000/transfer, $3,000/day, $10,000/week, and $20,000/month

These apply to most people, however, there are situations where individual limits may be different. Our limits are in place for your protection and to comply with regulations. If you have questions about your transaction limits or need to exceed that limit, give us a call.

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