The All-In Banking Package

• 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. 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.

*Trademark of Visa Int., used under license.

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