Maximize your money with the All-In Banking Package
It’s time for you to be rewarded for spending money and for saving it. The Manulife All-in Banking PackageTM gives you an everyday bank account, high-interest savings, a no-fee cash back credit card, and travel insurance, wrapped into one amazing mobile experience.
All that for just $10 a month. Want no-fee banking? We’ll rebate the $10 fee each month that you save $100 or more!1
High-interest Savings Account rate2
Special offer: get one year of Amazon Prime on us
One year of Amazon Prime and three months of Audible are yours when you use your All-In Banking Package. Already an Amazon Prime member? Your next year is still on us.3
To get Amazon Prime and Audible on us, simply make 10 or more purchases in each of the first two full months.4
Here’s what the package includes:
- Everyday Banking Account: unlimited e-Transfers, debit purchases, bill payments, and withdrawals
- High-Interest Savings Account: earn high interest on every dollar you save
- No-fee cash back credit card: unlimited cash back rewards on every dollar with a no-annual fee Visa* card5, 6
- Innovative savings tools: reach your financial goals with automated savings tools and a virtual financial assistant
- Travel insurance: stay covered while you’re abroad with $10,000 of annual travel disruption insurance7
- Secured overdraft: in case you face any unexpected expenses, secured overdraft can help you avoid NSF fees8
Rates & fees
Bank account rates
|High-Interest Savings Account rate: 1.20%2|
|Everyday Banking Account rate: 0%|
|Secured overdraft rate: 15%8|
Credit card rates
|ManulifeMONEY+ Visa Platinum Card cash back rates|
|5% cash back at grocery stores for your first 3 statements10|
|2% cash back at grocery stores after your first 3 statements6|
|1% cash back on everything else6|
|ManulifeMONEY+ Visa Platinum Card annual interest rates|
|Cash advances: 22.99%|
|Balance transfers for the first six months: 1.99%11|
|Balance transfers after the first six months: 22.99%|
Everyday Banking Account fees
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:
|Transferring money from your account at another Canadian bank||No charge|
|Direct deposit||No charge|
|ABM deposits||No charge|
|Mobile cheque deposit||No charge|
|Sending Interac e-Transfers®12||No charge|
|Debit card purchases||No charge|
|Withdrawals in Canada at ABMs that are part of THE EXCHANGE® Network||No charge|
|Withdrawals in Canada at ABMs that aren't part of THE EXCHANGE® Network*||$1.50|
|ABM 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|
*Note that ABMs that aren't part of THE EXCHANGE® Network may charge their own convenience fees for withdrawals.
ManulifeMONEY+ Visa Platinum Card annual fees
$0 for you | $0 for each additional cardholder
- 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.
1 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 rebate the monthly fee.
2 Interest is calculated on the closing daily balance and paid monthly. Rate subject to change without notice.
3 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. You are eligible to receive three months of Audible as part of this offer. All Amazon ®, TM & © are IP of Amazon.com, Inc. or its affiliates.
4 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.
5 Subject to credit card approval.
6 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.
7 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.
8 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.
9 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.
10 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.
11 Only the Primary Cardholder may request a balance transfer. The promotional 1.99% annual interest rate (AIR) applies to any credit card balance transfer the client makes within 90 days of their account opening date, and will remain in effect for 180 days (6 months) from the transfer date. After the promotional period, the 1.99% rate on any promotional balances (including balances that remain unpaid after the offer ends) will increase to the regular interest rate for balance transfers. Interest applies from the date a transfer(s) is posted to the new Manulife Bank Credit Card Account. Balance transfers are subject to credit availability, must be repaid, and are administered according to the terms of the Cardholder Agreement. Balances transferred may only be used to pay a balance on a Canadian financial institution issued consumer credit card account that Manulife Bank approves. Balance transfers will be fulfilled in the order (the client/you) requested them and in accordance with the Cardholder Agreement. The total value of balance transfers cannot exceed the authorized credit limit on the credit card account. If the total value is greater, Manulife Bank may have to send only a partial payment to the last designated account / named creditor. A transaction fee equal to 1% of the dollar amount of each balance transfer the client requests will be applied. This offer cannot be used to transfer a balance from another Manulife account, or to make a payment or deposit to another Manulife account. No cash back rewards will be earned on the balance transfer. Offer may be changed or extended at any time.
12 ®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.
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.
The Manulife All-In Banking Package is a bundle and can’t be applied for as separate products.
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