FAQ

Yes. When joint bank account holders choose e-statements, both people will be able to access them.

When you deposit money into your account, there’s generally a hold on the money to allow time for the money to get to your account. This means you can’t access some or all of your deposit right away. The amount and duration of the hold depends on the type of deposit you make:

There are a few reasons where the maximum hold limits listed above may be extended:

• Your account is less than 90 days old
• A cheque you deposited has already been deposited somewhere else
• The date on a cheque you deposited is more than six months ago
• Cases where we believe there may be illegal, fraudulent, or improper account activity
  

We can also accept deposits from you on a ‘collection-only basis’. This means that the money will show up in your account after we get payment from the other bank or financial institution you’re sending it from.

Unless your account is newer than 90 days old, you should be able to use up to $100 of your deposit the next business day. To confirm, check the Available balance for your account.

Note: we can’t accept cheques from foreign banks. Instead, ask the sender to wire the transfer to your Manulife Bank account.

To send money to another country, you'll need to initiate a wire transfer.

To change the name on your account, you'll need to give us a call. If you have a ManulifeMONEY+ Visa account, please call us at 1-844-323-7053. For all other bank accounts, please call us at 1-877-765-2265.

It's a good idea to change your PIN to something you can remember easily. Just don't use easy to guess PINs like 1234 or your birthdate.

You can change the PIN on your Manulife Bank card at any Manulife Bank or EXCHANGE^® Network ATM. If you've forgotten your PIN, you can reset your PIN through our mobile application available on iOS or Android or by calling us at 1-877-765-2265.

To change the PIN for your ManulifeMONEY+ Visa card, please give us a call at 1-844-323-7053.

To close your bank accounts, please contact us via Live Chat within the mobile app or online banking or call 1-877-765-265.

There are lots of ways you can withdraw money:

• Deposit or withdraw cash at thousands of ATMs across Canada
• Send and receive money using Interac e-Transfer
• Make Interac^® Debit purchases across Canada
• In-store cash back at participating retailers
• Transfer money to or from your accounts at other Canadian banks
• Make bill payments
• Make pre-authorized payments
• Deposit or write cheques
• Send or receive wire transfers

Before we can open any new account, Manulife Bank must verify you are who you say you are.  Not only does verifying your identity enable us to process your application, but it also helps protect you from fraud.  During the application process, we’ll ask you to have the following information ready:

• A valid email address or your existing Manulife ID login credentials
• Your Social Insurance Number (SIN)
• A government issued Photo ID or your digital banking credentials with another major Canadian financial institution (we can securely verify your identity by having you sign into your account at another financial institution)

We’re required by law to ask for your Social Insurance Number (SIN) when you open a savings account or Registered Savings Plan such as RSP, TFSA, etc.  Manulife Bank is required to report deposits, withdrawals and the amount of annual interest you earn to the Canada Revenue Agency (CRA). 

Before we can open any new account, Manulife Bank must verify you are who you say you are.  Not only does verifying your identity enable us to process your application, but it also helps protect you from fraud.  At most, we’ll ask you to show two pieces of identification (ID) from two different sources. We may need just one. We may not need any at all if you already have another account here.

We accept different kinds of printed or electronic ID, depending on whether you apply in person at a representative’s office, by video conference, or online.

• Your best bet online: most times your identity is confirmed using a ‘soft’ credit bureau check, that doesn’t affect your credit score and isn’t visible to third parties. Our systems also offer real-time alternatives you may use to confirm your identity.
• Your best bet in person or by video conference: show one piece of valid, unexpired, Canadian photo ID, issued by the federal or a provincial government. (Not a health card if you live in a province where the law doesn’t allow health cards to be used for this purpose, including: ON, NS, NB, MB, PE, SK or YK.)

If you don’t have an established credit history, or a suitable government-issued photo ID, then we will ask you for two pieces of ID from two different sources. You’re bound to have statements, certificates, or bills from well-known and reliable sources that will help verify your name plus two out of three of these: your address, or your date of birth, or a financial account.

We’re required by law to ask for your Social Insurance Number (SIN) when you open a savings account or a Registered Retirement Savings Plan (RRSP), for example, which require us to report deposits and withdrawals or the amount of annual interest you earn to the Canada Revenue Agency (CRA).

Unfortunately, we can’t provide you with cash in other currencies. To send money to someone else in another currency, you can do so using a wire transfer. Note that there will be a fee for this service.

If you have a US dollar cheque from a Canadian bank or financial institution, there are two ways to deposit those cheques into your account:

• Send cheques by mail to Manulife Bank, 500 King Street North, PO Box 1602, Waterloo, ON, N2J 4C6
• Visit an RBC Royal Bank branch and give the teller one of your RBC Royal Bank deposit slips. Note, you can only deposit Canadian dollar or US dollar cheques from other Canadian banks at RBC branches.

If you have a US dollar Advantage Account, you can transfer money to and from your US dollar accounts at other Canadian financial institutions, or you can have US funds sent to your account via wire transfer.

To receive money from somebody in a different country, they can send you a wire transfer.

There are two ways to get an official cheque (you might know it as a bank draft or certified cheque):

You can order official cheques up to $100,000 through our mobile app. To order an official cheque for more than $100,000, you can contact us via Live Chat or call 1-877-765-2265.

Please refer to our wire transfer support page for all the details on sending and receiving wire transfers.

Viewing cheque images is not available. We suggest taking a photo of your cheque before depositing them.

You can retrieve e-statements as far back as 2015 through your online banking account or in our mobile app.

If you need to see a statement that's older than that (there will be a fee for this), give us a call at 1-877-765-2265.

Dealing with loss is never easy. Please contact us at 1-877-765-2265 at your earliest convenience and we'll guide you through the next steps.

It's always a good idea to notify us of your travel plans. You can let us know by email or phone:

• Email: first, make sure the contact information we have on file includes your current email address. Then, send your travel details to manulife_bank@manulife.ca
• Phone: give us a call at 1-877-765-2265.

Have a great trip!

If you’re travelling in the U.S., many gas stations require your zip code if you’re paying at the gas pump with your Manulife Bank debit card or ManulifeMONEY+^TM Visa* credit card. To get your ‘zip code’, take the 3 numbers from your Canadian postal code and add “00” to the end. For example, if your postal code is M4W 1E6, use “41600” when prompted to enter your zip code at the pump. Alternatively, you can pay the cashier inside the station.

If you try this and your card still doesn’t work, please call:

• 1-844-323-7053 for credit card issues
• 1-877-765-2265 for debit card issues

Excellent question! For Manulife Bank, the institution number is 540 and the transit number is 05012. If you need your account number, you can find it on the Accounts page.

Better still - if you need a deposit form, you can download and print from online banking after you sign in.

1. Choose your account from the home page
2. Select Direct deposit form (PDF) under More.

Here are the default daily limits for different transaction types:

• ATM withdrawal: $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, please contact us and we'd be happy to help.

If you have a Canadian dollar cheque from a Canadian bank or financial institution that’s made payable to you, you can deposit the following types of cheque using an ATM or mobile deposit:

• Personal
• Business
• Certified
• Money order
• Government
• Convenience
• Counter

If you have a US dollar cheque from a Canadian bank or financial institution, there are two ways to deposit those cheques into your account:

• Send cheques by mail to Manulife Bank, 500 King Street North, PO Box 1602, Waterloo, ON, N2J 4C6
• Visit an RBC Royal Bank branch and give the teller one of your RBC Royal Bank deposit slips. Note, you can only deposit Canadian dollar or US dollar cheques from other Canadian banks at RBC branches. 

You can’t deposit cheques that are:

• Dated more than six months in the past
• Future-dated
• Not payable to you (the account holder)
• From a non-Canadian financial institution
  

Note: we can’t accept cheques from foreign banks. Instead, ask the sender to wire the transfer to your Manulife Bank account.

Not all transactions will appear in your history right away. Depending on the type of transaction and time of day, it may be a day or two before it appears in your transaction history.

If you made the deposit via our mobile app or at an ATM after 4 p.m. EST and don't see the deposit in your account, it will show up on the next business day. Rest assured, your money is there.

You can find most forms right here. If you don't find what you're looking for, or need help filling out a form, give us a call at 1-877-765-2265.

At Manulife Bank, we prefer to focus on helping you build your savings instead of building branches. But, you can access thousands of ATMs across Canada that are part of the THE EXCHANGE® Network, and you can get money when making a debit purchase with in-store cash back at participating retailers. To find the nearest bank machine, use our ATM locator.

At Manulife Bank, we believe financial professionals can help Canadians make their money work harder. Whether you’re saving or investing, an advisor can help you choose the bank account that’s best for you, help you open the account and make sure the account fits your overall financial plan.

Opening an account online is easy and can take as little as five minutes! If you’re new to Manulife Bank, we’ll ask you to have the following information ready:

A valid email address or your existing Manulife ID login credentials

Your Social Insurance Number (SIN)

A government issued Photo ID or your digital banking credentials with another major Canadian financial institution (we can securely verify your identity by having you sign into your account at another financial institution)

Banks are required by law to ask for your Social Insurance Number (SIN) when you open a savings account.

Yes! During the application process for a new account, you can choose to add a joint account holder. All you’ll need is a valid email address for the other party who will receive an invitation to apply as a joint account holder on your account.

You can deposit money into your account by transferring funds with online or telephone banking from your US$ account at another Canadian bank, or by mailing in a cheque.

Manulife Bank doesn't currently offer currency exchange services. Your Manulife Bank high interest US$ savings account complements your US$ account at another Canadian bank. Therefore, you can only transfer money between accounts that have the same currency.

While the US$ Advantage Account offers high interest on your US savings, you can't withdraw cash directly from your account. You can withdraw money from your US$ Advantage Account by transferring money to your US$ account at another Canadian bank via mobile, online, and telephone banking.

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.

If you’re travelling in the U.S., many gas stations require your zip code if you’re paying at the gas pump with your Manulife Bank debit card or ManulifeMONEY+TM Visa* credit card. To get your ‘zip code’, take the 3 numbers from your Canadian postal code and add “00” to the end. For example, if your postal code is M4W 1E6, use “41600” when prompted to enter your zip code at the pump. Alternatively, you can pay the cashier inside the station.

If you try this and your card still doesn’t work, please call:

1-844-323-7053 for credit card issues
1-877-765-2265 for debit card issues.

For non-Quebec residents only

Your Minimum Payment will be $10 plus any interest and fees (not including the annual fee), plus any amount by which the new balance exceeds your credit limit, and any amount past due from the prior month.

For Quebec residents only, after August 1, 2019 (for accounts opened prior to June 10, 2019)

The greater of:

a) 2.50% of the new balance shown on your statement. “2.50%” will increase by 0.50% of the new balance shown on your statement, each 12-month period from August 1, 2019 until it reaches 5.00% as shown below:

2.50% to 3.00% (August 1, 2020)

3.00% to 3.50% (August 1, 2021)

3.50% to 4.00% (August 1, 2022)

4.00% to 4.50% (August 1, 2023)

4.50% to 5.00% (August 1, 2024)

or

b) $10

Your Minimum Payment will also include any amount by which the new balance exceeds your credit limit, and any amount past due from the prior month. 

For Quebec residents only, after August 1, 2019 (for accounts opened after June 10, 2019)

Your Minimum Payment will be the greater of: a) 5% of the new balance shown on your statement; or b) $10. Your Minimum Payment also includes any amount by which the new balance exceeds your credit limit, and any amount past due from the prior month.

For all clients and in all cases, if the new balance is less than $10, the balance is due in full. 

When you make a purchase with your ManulifeMONEY+ Visa card, it's placed into a category for the purpose of determining how much cashback you earn on that purchase. To do this, we classify merchants using the industry-standard Merchant Classification Code (MCC) system. While this system is quite accurate, there may be some cases where the MCC may differ from one location to another within the same chain. The MCC may also change over time without notice.

For ManulifeMONEY+ Visa cards, the interest calculation depends on the type of transactions:

• For cash advances, interest is charged beginning on the day the cash is withdrawn.
• For balance transfers and convenience cheques, interest is charged beginning on the day those transactions are posted to your account.
• For purchases, interest is not charged if you repay the full balance by the payment date indicated on your statement. If you don't pay the balance in full by the payment date, interest will be charged on each purchase from the transaction date. In this case, interest is calculated by multiplying your balance at the end of each day by the daily interest rate (this is your annual rate divided by the number of days in the year). Interest is calculated daily and added to your account monthly.

To change the name on your ManulifeMONEY+ Visa account, please call us at 1-844-323-7053.

To close a ManulifeMONEY+ Visa account, please call us at 1-844-323-7053.

You can transfer a balance from another credit card to your ManulifeMONEY+ Visa card by giving us a call at 1-844-323-7053. When you call, you'll need to let us know the amount you want to transfer and have both cards handy. At that time, we'll also apply any promotional offers that are currently available.

Please note that, after transferring the balanced from your old card, you'll still be responsible for any subsequent charges you make to that card.

To request a limit increase for your ManulifeMONEY+ Visa, please call us at 1-844-323-7053.

If you need a new ManulifeMONEY+ Visa card, call us at 1-844-323-7053.

It's frustrating when your card doesn't work, and we can help. If you need help with your ManulifeMONEY+ Visa card, call us at 1-844-323-7053.

There are a number of factors that are used to determine your credit limit, including your income, your credit history, and other debts, lines of credit, or credit cards you have. To request an increase to your ManulifeMONEY+ Visa credit card, give us a call at 1-844-323-7053. Note that you'll need to wait six months after your account has been activated before requesting an increase.

You’ll receive your new card about 20 days before your current card expires. If you haven’t received your new card 10 days before your current card expires, call us at 1-844-323-7053.

It's no fun to lose your card, but we can help. If you've lost your ManulifeMONEY+ Visa card, call us at 1-844-323-7053 (in Canada or the U.S.) or 1-647-252-9681 (International), and we can cancel your existing card, issue a new one, and investigate any unauthorized transactions.

If you're seeing interest charges on your credit card account even though you've paid your balance in full, it's likely that your payment wasn't received by the payment date showing on your statement. To avoid interest charges, you need to repay your balance in full no later than the payment date. Check out paragraph 10 of your ManulifeMONEY+ Visa Card cardholder agreement for more information.

That depends on how much you spend on your card – but cash back adds up fast. For example:

Your ManulifeMONEY+ Visa cash back rewards are automatically redeemed and posted to your account as Cash Back Rewards in March, June, September, and December of each year. You'll see your rewards appear on your statement in the Transaction Details as a credit amount. Note that cash back rewards do not contribute to your minimum payment, but they do reduce your New Balance for that period.

We use Visa Inc.’s “grocery” classification to determine what qualifies as a grocery store. This category generally includes grocery stores and supermarkets. It may not include wholesale clubs, alcohol retailers, general merchandise merchants, convenience stores, discount retailers, specialty stores (such as fish markets) and health food stores.

Visa Inc.’s “hotel” classification also includes Airbnb. You’ll earn 2% cash back rewards when you use your card to book with those online marketplaces.

We use Visa Inc.’s “grocery” classification to determine what qualifies as a grocery store. This category generally includes grocery stores and supermarkets. It may not include wholesale clubs, alcohol retailers, general merchandise merchants, convenience stores, discount retailers, specialty stores (such as fish markets) and health food stores.

Visa Inc.’s “hotel” classification also includes Airbnb. You’ll earn 2% cash back rewards when you use your card to book with those online marketplaces.

Your ManulifeMONEY+ Visa cash back rewards are automatically redeemed and posted to your account as Cash Back Rewards in March, June, September, and December of each year. You'll see your rewards appear on your statement in the Transaction Details as a credit amount. Note that cash back rewards do not contribute to your minimum payment, but they do reduce your New Balance for that period.

No, balance protection is optional.

Yes, balance protection costs $0.99 for every $100 of the average daily balance, plus applicable taxes, whether or not you pay your balance in full.

First, we add up your balances at the end of each day during the monthly statement period. We divide that total by the number of days to get the average daily balance. We divide the average daily balance by 100 and then multiply the result by $0.99. We add provincial sales tax where required.

Here’s a simple example:

Balance from Day 1 to Day 10: $1,000

Balance from Day 11 to Day 15: $0 (balance paid off)

Balance from Day 16 to Day 31: $1,100

Average daily balance

($1,000 × 10 days + $0 × 5 days + $1,100 × 16 days) ÷ 31 days = $890.32

Premium

$890.32 ÷ $100 × $0.99 = $8.81 + provincial sales tax where required

We charge your premium to your credit card on the statement date.

For the primary cardholder, coverage starts on the date Manulife receives your application. Coverage ends on whichever date comes first:

• The date you ask Manulife to cancel your coverage
• The date you turn age 70 (except life insurance coverage, which continues as long as you continue to pay premiums)
• The date Manulife cancels your credit card account or revokes your rights and privileges on the card
• The date of your death
• The date Manulife stops offering credit card balance protection through a group policy

For any spousal cardholder, coverage starts on the date you become a cardholder and ends on the date the primary cardholder’s coverage ends or on the date you no longer hold a valid Manulife Bank credit card.

Call us at 1-888-770-5953 to cancel. We’re available to help you Monday to Friday from 8am to 8pm EST. If you cancel within the first 30 days, we’ll give you a full refund.

You can find a complete list of terms, conditions, limitations and exclusions in the Manulife Bank Balance Protection Certificate of Insurance. Some examples of exclusions include:

• Job loss due to resignation or seasonal employment
• Disability or critical illness diagnosed before your coverage starts

These tools can help take the stress out applying for a home loan. They let you calculate your down payment and find out what your estimated monthly payments and property taxes would be in different scenarios.

And the best part about using a mortgage loan calculator? You get to use real data. From your existing debts to your salary and the current value of your assets, you don’t have to guess or estimate to get a complete picture.

Two main factors determine how mortgage payments are calculated. The first is the amount of your down payment, which is a percentage of the total cost of your home that you pay up-front. It can be as low as 5%, and as high as 20% or more.

The second factor is your interest rate. The interest rate is the amount charged on the remaining balance of your loan.

Try our mortgage rate payment calculator to get a better sense of what your monthly payments might look like, and to help determine what down payment you can afford and what potential interest rate you’ll qualify for.

A mortgage amortization period is the total time it will take you to pay off your mortgage at your current interest rate, and on your current payment schedule. As you renew your mortgage with different interest rates, your amortization period will change.

A home mortgage rate calculator can help you understand what your monthly payments will be with different mortgage rates and different down payments. However, the calculator’s representation is limited, as your real-life amortization rate will change over time.

The amount of your down payment can vary. You can get a mortgage with a down payment of as little as 5%; however, this means that you’re borrowing 95% of the value of your home, which poses a greater risk for the lender. In these cases, you’ll need to be protected by mortgage insurance.

Your down payment can also be up to 20%, meaning that your payments will be lower, and you’ll likely be able to pay your mortgage off faster.

Interest rates can be fixed, meaning that they won’t change during a set time period. They can also be variable, meaning that they can change according to external economic conditions such as inflation. 

Your options for changing the date you make your mortgage payment will depend on what kind of mortgage you have:

If you have a Manulife One account:

• If you have a closed-term sub-account, you can only make payments monthly, and your payment will be automatically taken from your Main Account on the last day of each month. Unfortunately, this can't be changed.
• For your Main Account, you can make payments (deposits) whenever you wish.

If you have another type of Manulife Bank mortgage:

• You can change your payment to be on whatever date you choose. We'll just need to get the details from you. First, confirm your contact information has your current email address on file. Then, email manulife_bank@manulife.ca with the details of your payment change and we'll be in touch to confirm.

If you have a Manulife One account, you can increase or decrease the amount you make into your Main account at any time, as long as you don't exceed your borrowing limit.

For Manulife One fixed-term sub-accounts and all other Manulife Bank mortgages, please give us a call at 1-877-765-2265. We'll let you know what your options are and, if possible, make the change for you.

Locking in some or all of your debt at a fixed rate might be a good option if you're concerned that variable interest rates are heading up.

If you have a Manulife One mortgage, sign into your account, click Open Sub Account from the menu on the left side of the screen, then follow the steps provided.

If you have a Manulife Bank Select mortgage, please send us an email at manulife_bank@manulife.ca with your request, the best time for us to reach you, and a mortgage specialist contact you.

To make your Manulife One work, you need to deposit more money into your account than you're withdrawing, for example, by having your income direct deposited.

You can also add structure to your account by putting debt into a sub account, that way you can establish set payments, allowing you to see the debt go down.

To learn more about your Manulife One, visit the Manulife One Discovery Centre.

For your Manulife One or Manulife Bank Select, you can update the account owner details in our mobile app by going to the More menu, selecting More Bank Services, then Update account holder details. Submit your request, and we'll take it from there. Alternatively, you can call us at 1-877-765-2265 between 8 a.m. and 8 p.m. Monday to Friday, or between 9 a.m. and 5 p.m. Saturday and Sunday across all Canadian time zones.

The Transfer page of our mobile app gives you lots of options for transferring money with your Manulife One account. You can transfer to and from an account in the same name at another institution or between Manulife Bank accounts.

You can also transfer money to and from sub-accounts within your Manulife One account. Note that these transfers go through your main account, so if you want to transfer from one sub-account to another you'll need to do two transfers:

1. From the first sub account to your main account
2. From your main account to the second sub-account

If you'd like to transfer ALL of the money out of your sub-account, use the Close Sub Account option.

If you'd like to transfer money into a fixed-term sub-account, you'll need to give us a call at 1-877-765-2265, as this is considered a principal payment.

At Manulife Bank, we're all about helping our customers become mortgage-free sooner. You've got a few options for paying down your mortgage more quickly, depending on what kind of mortgage debt you have.

If you have a Manulife One account:

• You can repay any debt in your Main account, a tracking sub-account, or an open term sub-account at any time, with no limits or penalties.
• If you have a closed term sub-account (e.g. a locked-in 5-year term), you can prepay up to 20% of the original balance each year without penalty.

If you have a Manulife Bank Select mortgage:

• If you have an open term, you can repay any amount at any time without penalty. You can also increase your regular payment by any amount once each year, without penalty.
• If you have a closed term, you can prepay up to 20% of the original amount and/or increase your regular payment by up to 25% each year, without penalty.

If you need more details about prepayment privileges, review your Operating Agreement or General Terms.

You can renew your Manulife Bank Select mortgage or Manulife One term sub-account up to 90 days before it matures.

• Learn about renewing your Manulife One sub-account
• Learn about renewing your Manulife Bank Select mortgage

For a Manulife One account, your minimum payment is the amount of interest you owe for that month. 

Once you've submitted a request for a mortgage increase, we'll contact you within two business days. At that time, we'll let you know if we need any additional information or documents.

When we have everything we need, it generally takes two to three weeks to approve and implement the increase.

There are a number of factors that determine how much you can afford to spend on a home. These include things like how much you’ve saved for a down payment, your household income and your monthly expenses. Use our mortgage affordability calculator to determine what amount of a mortgage that makes sense for you

It's difficult to predict if and when interest rates will increase. However, if you're concerned about how a rate increase might affect your budget, consider locking in your debt at a fixed rate. If you have a Manulife One account, you can put some or all of your variable-rate debt into a fixed-rate sub-account. This is like having a traditional mortgage within your Manulife One account. The rate for your sub-account will then be guaranteed for the length of the term you choose. You can find our terms and rates on our website. Call us at 1-877-765-2265 to speak to a Mortgage Specialist if you'd like to discuss this option.

Check out Today's Rates for the most up-to-date rate information.

When you request a mortgage increase, we may ask for the following documents - so it's good to have them handy:

• Notice of assessment
• Letter(s) of employment
• T1 general statement
• T4A statement

If you're not sure how to get these, don't worry. A lending specialist will let you know what documents we need and can help you determine how to get them.

If you've exceed the borrowing limit for your Manulife One account, please make a deposit to your account to bring your debt below your limit as soon as possible.

If you're experiencing financial difficulties and are not able to do so, please contact us at 1-877-765-2265 so we can discuss your situation.

Sub-accounts are a feature of your Manulife One account that allow you to divide your debt into different portions. You may wish to set up a sub-account to lock-in a rate, add some structure to your payments or just track a portion of your debt separately. Learn more about sub-accounts here. 

Manulife One is an all-in-one banking solution that combines your mortgage with your chequing and savings accounts, lines of credit and even your income to save you money and help you become debt-free sooner. Learn more about the Manulife One mortgage.

You may have heard the terms "readvanceable" and "non-readvanceable" with regards to Manulife One sub-accounts. A sub-account is simply a way of splitting off a portion of your Manulife One debt and treating it like a traditional mortgage.

If a sub-account is readvanceable, it means that as you pay it down, it creates borrowing room in your Main account. For example, if you have $10 of borrowing room in your Main account, and then you repay $1 of your sub-account, you will now have $11 of borrowing room in your Main account. 

If a sub-account is non-readvanceable, it means that as you pay it down, it DOESN'T create borrowing room in your main account. Using the same example, if you pay down $1 of your sub-account, you'll still have $10 of borrowing room in your main account. There's no additional borrowing room created.

If your Manulife One borrowing limit is more than 65% of the value of your home, any debt over 65% must be put into a non-readvanceable sub-account.

Your mortgage payments are based on several factors. These include:

• your interest rate
• whether you choose a fixed or variable rate mortgage
• the amount you borrow
• your payment frequency
• your term
• your amortization period

Use our payment calculator to help estimate what your payments will be.

To set up direct deposit, give your employer your direct deposit form, which you can download and print from online banking after you sign in.

1. Choose your account from the home page
2. Select Direct deposit form (PDF) under More.

You can always see how much interest you’ve paid in your monthly Manulife One statement. Come tax time, your December statement will list the total interest paid that year.

If you're thinking about discharging your mortgage because you're not happy with your current mortgage or you've been offered a better rate elsewhere, please give us a call at 1-855-682-5979. We'd love to see if we can address your concern or review your current rate.

If you're selling your property and will need a new mortgage, please contact us at 1-877-765-2265 and we'll be happy to assist you with the switch.

If you're selling your property and not buying a new property, please ask your lawyer to please submit your request, a minimum of 5 days in advance of the proposed payout date, to First Canadian Title (FCT) website and select “Payout Services”.

Getting mortgage pre-approval should be your first step when buying a home. A pre-approval lets you know how much the bank is willing to lend and gives you an idea of your estimated monthly payments. This allows you to focus your search on homes within your approved price range and make an offer without worrying about whether you’ll be able to get financing.

You can buy a home with as little as 5% of the total purchase price of the new home, which means you can borrow up to 95% of the value of the home. The amount of your down payment will determine what kind of mortgage you qualify for.

• If you have a down payment of less than 20%: you’ll need a high ratio mortgage. With this type of mortgage, you’ll need to purchase mortgage default insurance. The cost of default insurance can be added to your mortgage or paid in a one-time payment.
• If you have a down payment of 20% or more: you can have a conventional mortgage. With a conventional mortgage, there’s no need to purchase mortgage default insurance.

Your amortization is the length of time it will take you to pay off your entire mortgage at your current interest rate and payment. Your amortization will change over time as you renew at different interest rates, with different payment amounts. 

For example, you might have a five-year, fixed-rate mortgage with an amortization of 25 years. This means the life of the mortgage (amortization) is 25 years and your interest rate and payments are guaranteed for the five-year term. After five years you’ll have 20 years left on the life of your mortgage and you can renew the interest rate for another term, for example another five years.

Interest in your Main account is calculated on your daily closing balance and debited from or credited to your account on the last business day of the month. It takes into account all deposits and withdrawals you made. If your account has a negative balance, you'll be charged interest. If your account has a positive balance, we'll pay you interest.

Manulife One gives you the flexibility to divide your debt between sub-accounts so you can track portions of it separately. There are two types of sub-accounts:

• Tracking sub-accounts: Have the same variable rate as your main account. They offer interest only or principal and interest payment options.
• Term sub-accounts: Have a fixed or variable interest rate and a specific amortization period. They offer predictable monthly principal and interest payments - much like a traditional mortgage.

If your home appreciates in value, you may be able to increase your credit limit. A credit limit increase may be subject to credit approval and you may need to put part of your debt in a term sub-account. Fees apply. You can request an increase to your credit limit through our mobile banking app, online banking or by calling us at 1-877-765-2265.

Once your application is approved, you will receive certificate of insurance in the mail outlining the details of your insurance coverage. Your effective date of coverage will be the later of the date Manulife receives your written application and the first full premium payment, subject to underwriting approval.

You can cancel the mortgage protection insurance at any time if you feel the coverage doesn’t meet your needs. Simply contact us at 1-866-388-7095. If you cancel within 60 days of receiving the certificate of insurance, you will receive a refund of any premiums paid.

Mortgage protection insurance is available for eligible joint account holders. Joint insurance premiums are based on the age of the oldest borrower.

Manulife Bank Select^® lets you customize your mortgage by creating up to five different mortgage portions.

You have the flexibility to choose the amount, interest rate, number of years and payment frequency for each individual portion. And the best part is, each portion works just like a traditional mortgage. So, if you choose a variable rate from the get-go, you can always make a change and lock-in a fixed rate at any time. This way, you’re always prepared, no matter where interest rates go in the future.

Can’t decide between fixed and variable rates? Open or closed terms? How long to lock-in for? With Manulife Bank Select®, you can have it all. You can divide your mortgage into up to five portions and choose an individual amount, interest rate, payment frequency and term for each.

Splitting your mortgage lets you:

• Protect yourself against potential rate increases by locking in a portion of your mortgage at a fixed interest rate
• Benefit from potential rate decreases by putting part of your mortgage in a variable rate portion
• Enjoy flexibility to pay off your mortgage at any time with an open term portion
• Take advantage of payment stability and a lower interest rate with a closed term portion
• Easily track a portion of your mortgage interest and payments for tax purposes
• Choose the payment option that works best for each portion

Yes, on top of your regular mortgage payment, you can make extra payments. You can:

• Make an annual lump-sum principal payment up to 20% of your original mortgage amount
• Increase your regular mortgage payment by up to 25% for a closed-term mortgage
• Make a lump-sum payment and increase your regular payment by any amount for an open-term mortgage
• If you split your mortgage into portions, you can make prepayments on each of the portions.

Yes, each mortgage portion can have its own term, amortization period and payment schedule. You choose the payment schedule that suits your income and budget needs. You can choose to make payments weekly, bi-weekly, semi-monthly, monthly, weekly accelerated or bi-weekly accelerated.

You can change your payment frequency (weekly, weekly accelerated, bi-weekly, accelerated bi-weekly, semi-monthly, or monthly) at any time to better suit your monthly cash flow needs. Simply call us at 1-877-765-2265 to make the change.

Once your application is approved, you will receive certificate of insurance in the mail outlining the details of your insurance coverage. Your effective date of coverage will be the later of the date Manulife receives your written application and the first full premium payment, subject to underwriting approval.

You can cancel the mortgage protection insurance at any time if you feel the coverage doesn’t meet your needs. Simply contact us at 1-866-388-7095. If you cancel within 60 days of receiving the certificate of insurance, you will receive a refund of any premiums paid.

Mortgage protection insurance is available for eligible joint account holders. Joint insurance premiums are based on the age of the oldest borrower.

Unfortunately, you can't change the frequency of your loan payment. However, if you'd like to repay your loan more quickly, you can set up recurring principal payments, or even make one-time principal payments. To do this, give us a call at 1-877-765-2265.

Investment leverage simply means borrowing money to buy investments. When you borrow to invest, you magnify your investment returns because you are investing a larger amount of money. That works for you if your investments are increasing in value and your investment returns are positive – but it works against you if your investments are decreasing in value and your investment returns are negative. Gains and losses are magnified with investment leverage. That’s why investment leverage is only appropriate if you have a higher risk tolerance and are investing for the long term. Also keep in mind that no matter what happens in the markets, with investment leverage you still have to meet your loan and tax obligations. 

That depends on your individual situation and we strongly recommend you discuss it with your advisor. 

Let’s say two people, Liz and Mike, are both saving for a dream vacation in 10 years. Liz saves up and contributes a lump sum at the end of each year to her non-registered account. Mike borrows $100,000 from Manulife Bank to invest right away. During the next 10 years, Liz contributes $28,991 and pays $555 in tax for a total cost of $29,467. Mike makes interest-only payments of $28,991 and pays $555 in tax for the same total cost. Both investors earn a 5% return on their investments. After 10 years, they sell their investments, pay their taxes and Mike pays off his loan. Liz has $35,066 to spend on her vacation. Mike has $52,277 – over $17,000 more.

This example assumes that Liz makes end-of-year contributions equivalent to Mike’s net cost of borrowing. Mike’s investment loan interest rate is 4.5% and his interest payments are 100% tax-deductible. For both Liz and Mike, the annual taxable portion of their fund return is 20%, the tax rate on income allocations from funds is 30%, and the marginal tax rate is 45%. All assumptions are for illustration purposes only. Results will vary slightly for Quebec residents.

Your contribution limit is 18% of your earned income last year to a maximum dollar amount that changes every year. However, you may be able to contribute much more. You started accumulating RRSP contribution room as soon as you filed your first tax return reporting earned income. Each year after that, you accumulated more contribution room. Now, you can contribute the sum of this year’s contribution limit and any unused contribution room from previous years. Find out how much contribution room you have through the Canada Revenue Agency’s My Account website, MyCRA mobile app or Tax Information Phone Service at 1-800-267-6999.

With a standard RRSP loan, you can borrow up to the maximum RRSP contribution limit set by the Canada Revenue Agency for this year. With an accelerator RRSP loan, you can borrow up to $50,000 and with an accelerator max RRSP loan, you can borrow up to $150,000.

Yes, you can put lump sums towards your RRSP loan and pay off your balance entirely whenever you want. There are no fees for early repayment.

A secured line of credit, like the Access Line of Credit and Access Line of Credit Plus, is guaranteed by assets you own, such as investments or permanent life insurance. If you default on your loan, your investments or life insurance will pay it off for you. The advantage of a secured line of credit is that it generally offers a significantly lower interest rate than an unsecured line of credit.

People often have many different debts, including credit card balances, car loans and student loans. Consolidating debt at a lower interest rate can save you money, and a line of credit makes it easy. First, check to see which debts let you repay early without penalties and fees. Then apply for a credit limit large enough to cover these debts, use your line of credit to pay them off through online, mobile or telephone banking or write a cheque, and simplify your life with one monthly payment at a lower interest rate.

You can lower your limit at any time with a simple letter of direction - a letter that gives instruction letting Manulife Bank know you would like to lower your credit limit. To increase your limit, you have to apply for the extra borrowing room.

To change the beneficiary for your RRSP or TFSA, you'll need to complete the "RRSP, RRIF, or TFSA beneficiary and successor holder/annuitant designation" form found here: Find a Manulife Bank form.

The completed form can be uploaded from within your online banking.

Your TFSA contribution room begins building the year you turn 18, up to your TFSA limit. Here are the TFSA contribution limits each year since 2009, when the TFSA was introduced:

Any contribution room you don’t use each year will roll over into the following year's TFSA contribution limit. Yours is the sum of this year’s limit, unused room from previous years, and any withdrawals made in previous years. Find out how much contribution room you have through the Canada Revenue Agency’s My Account website, MyCRA mobile app, or Tax Information Phone Service.

No, unlike registered retirement savings plan (RRSP) contributions, your contributions to a TFSA cannot be deducted from your income on your tax return. However, your money grows tax-free and, unlike RRSPs, you can take out your money tax-free at any time — one of the best TFSA benefits.

There are three ways you can deposit money into your Tax-Free Savings Account:

• Link an account from another Canadian bank and transfer funds,
• Mail us a cheque,
• Ask your advisor to make your deposit for you.
  

There are two ways to buy GICs for your Manulife Bank TFSA:

• If you already have a Manulife Bank account, call us at 1-877-765-2265 and we can take your request over the phone
• If you’re new to Manulife Bank, reach out to your advisor (or find a local advisor if you don’t already have one!)
  

You can access savings in your TFSA account anytime. It's tax-free money you don't have to report as income on your tax return, and there's no withdrawal limit. The amount of your TFSA withdrawal will be added back into your TFSA contribution room in the following calendar year — one of the most flexible TFSA benefits. 

It can be attractive to open a TFSA to earn a high TFSA interest rate or a competitive TFSA GIC rate to make the most of tax-tree growth. Knowing whether to put your savings into a Tax-Free Savings Account or another other savings vehicle can require professional expertise. Your advisor can help you decide what’s best for your situation, compare interest rates and how a Manulife Bank TFSA can be worth it.

Each year, you can contribute up to 18% of your earned income, or the annual contribution limit set by the Government of Canada, whichever is lower. If you don't invest the maximum before a given year's contribution deadline, any unused RRSP contribution room rolls over, adding to your RRSP limit in future years.

To find out exactly how much you can contribute, it's best to check the Notice of Assessment that you received after filing your taxes.

You can also visit the Canada Revenue Agency’s My Account website, MyCRA mobile app or Tax Information Phone Service at 1-800-267-6999.

There are three ways you can deposit money into your Registered Advantage Account:

• Link an account from another Canadian bank and transfer funds,
• Mail us a cheque,
• Ask your advisor to make your deposit for you.

There are two ways to buy GICs for your Manulife Bank RRSP plan:

• If you already have a Manulife Bank account, call us at 1-877-765-2265 and we can take your request over the phone
• If you’re new to Manulife Bank, reach out to your advisor (or find a local advisor if you don’t already have one!) so you can take action in time for this year's RRSP contribution deadline. 

Unless your RRSPs are in a locked-in plan, you can withdraw funds at any time. However, if you withdraw from your RRSP account, your financial institution must collect an RRSP withholding tax and send it to the government. The rate of that withdrawal tax can vary based on where  you live in Canada.

You could take advantage of a government program to withdraw from an RRSP to buy a home or pay for an education, without initially paying a withholding tax. Learn more about the Home Buyers' Plan (HBP) and Lifelong Learning Plan (LLP). 

What are you saving for? If you’re unsure of whether an RRSP is suitable for your situation, we can connect you with a trusted advisor to discuss your goals, and the best ways to reach them.

To invest in a Registered Retirement Savings Plan (RRSP), simply start by opening an RRSP account. Then, you can contribute money and choose from investment options to match your goals and risk comfort.

If you're not sure where to start, a financial advisor can help create a plan that works for you! We can connect you.

An RRSP is meant as a savings account to help build your wealth for retirement, and a RRIF is an account that allows you to take your RRSP money and convert it to serve as a source of income in your retirement.

Each year, you must withdraw a percentage of the value of your plan. The percentage increases as you get older. Keep in mind that when you set up your RRIF, you can choose to base minimum withdrawals on you or your spouse’s age.

If your spouse is younger, basing withdrawals on their age means you can keep more money inside your RRIF longer, where it can continue earning tax-deferred interest.

Learn more about RRIFs and withdrawal rates set by the Government of Canada.

No, you can convert your RRSP into a RRIF at any age – but you must do it no later than the end of the year you turn 71.

Manulife Bank GICs are not affected by the ups and downs of equity or fixed-income markets. At the end of your GIC’s term, you will receive your original investment plus interest at the rate set when you invested your money. That certainty helps you plan for the future.

If you already have a Manulife Bank account, call us at 1-877-765-2265 and we can take your request over the phone. If you’re new to Manulife Bank, reach out to your advisor (or find a local advisor if you don’t already have one!)

Yes! You can hold long-term GICs in your TFSA, RRSP, RRIF, and non-registered accounts, and you can hold short-term GICs in an RRSP, RRIF or non-registered account.

Yes, your investment savings account can be held within a variety of registered and non-registered accounts managed by your advisor, including your:

• Tax-Free Savings Account (TFSA)
• Registered Retirement Savings Plan (RRSP)
• Registered Retirement Income Fund (RRIF)
• Deferred Profit Sharing Plan (DPSP)
• Life Income Fund (LIF)
• Locked-in Retirement Income Fund (LRIF)
• Prescribed Registered Retirement Income Fund (PRIF)
• Registered Education Savings Plan (RESP)

No, an investment savings account does not have bank account features such as chequing, ATM withdrawals, Interac^® Debit purchases and client-initiated online transactions. Transactions must be executed by your advisor, fees may apply.

No, you can only hold an investment savings account within a dealer account (also known as a “nominee name” or ‘on-book” account), which is a trust account offered through an advisor.

When you send money using Interac e-Transfer, you can be confident your money is safe. Transfers flow through the same payment network that Canadian financial institutions have used for years to process cheques and ATM transactions.

A number of security measures are built into the system, including encryption technology and a security question and answer created by you, so only your recipient can receive the money.

For additional fraud prevention, make sure you use a strong security answer that can’t be easily guessed or found. You should only share the answer with the recipient directly or through a safe channel, and don’t include any hints or clues in the optional message field.

Manulife Bank is a member of the Canada Deposit Insurance Corporation (CDIC), which means your deposits are eligible for CDIC deposit insurance protection. 

Visit www.cdic.ca to learn more.

It's a good idea to change your PIN to something you can remember easily. Just don't use easy to guess PINs like 1234 or your birthdate.

You can change the PIN on your Manulife Bank card at any Manulife Bank or EXCHANGE® Network ATM. If you've forgotten your PIN, you can reset your PIN through our mobile application available on iOS or Android or by calling us at 1-877-765-2265.

To change the PIN for your ManulifeMONEY+ Visa card, please give us a call at 1-844-323-7053.

We take security very seriously, and we have numerous tools and procedures in place to protect your account. These include things like your account password, security questions, and PIN. If you suspect that your password, security questions or PIN have been compromised, please contact us as soon as possible at the numbers below:

For credit card accounts, call us at 1-844-323-7053.

For all other accounts, call us at 1-877-765-2265.

The security of your account is our top priority. If there's a charge on your account that you don't recognize or you feel is incorrect, contact us as soon as possible so we can investigate the transaction and make any necessary corrections.

For credit card accounts, call us at 1-844-323-7053.

For all other accounts, call us at 1-877-765-2265.

Being a victim of fraud can be stressful - and we're here to help.

If you're concerned about your ManulifeMONEY+ Visa account, please call us at 1-844-323-7053.

If you're concerned about any other Manulife Bank account, please call us at 1-877-765-2265.

We'll review your transactions and help get your banking back on track.

Absolutely. Your security is one of our top priorities. Whether you're using our mobile app or online banking website, you can count on strong protection every step of the way. We use advanced encryption and industry-leading security measures to keep your information safe.

Want to learn more? You can find all the details in our Online Privacy Policy.

It's a great idea to be proactive in trying to protect yourself from fraud. One of the best things you can do is get a copy of your credit bureau report to see if there is anything unusual. It's a good idea to review your credit history periodically to ensure it's accurate. You can contact both Equifax and TransUnion and they'll let you know how to get a copy of your report:

Equifax®: 1-800-846-5279

TransUnion®: 1-800-916-8800

If you believe your Manulife Bank account has been compromised, please give us a call so we can review this further with you:

For credit card accounts, call us at 1-844-323-7053.

For all other accounts, call us at 1-877-765-2265.

"Phishing" is a way that criminals try to get you to disclose personal information such as your username, password or credit card details by pretending to be a someone you know or trust. For example, you may receive a phone call from someone claiming to be a technician for a well-known company. They might state that your computer is releasing personal information and you need a technician to remotely access your computer to repair "the issue". They would then direct you to go to a website to grant them access to your computer. If you were to grant them access, they would be able to gain your personal information from your computer.

You can cancel an Interac e-Transfer transaction as long as your recipient hasn't deposited the money yet. Just visit the Interac e-Transfer^® page in your online account, or the Transfers page on our mobile app. And if you need to add or delete recipients, or change their contact information? Well, you can do that too!

Nobody likes to pay bills. But at least we make it easy. 

To set up a bill you want to pay, “add a payee” using online or mobile banking, or by calling 1-844-217-9555. Now you can pay bills from that company whenever you choose using online, mobile or telephone banking.

Once you've added a payee to your account, you can make either single or recurring payments.

If you make a payment today, the money will be debited from your account immediately. If you schedule a bill payment for a future date, the money will come out of your account on that date. Keep in mind that if you pay a bill on the weekends or bank holidays, the money will be debited right away, but the payment won’t be posted until the next business day. If you need to reverse a payment, that can be done on the next business day after the payment is posted.

It's a good idea to schedule a bill payment for three to five days before the due date, since some companies take longer to process payments.

No, you must be in either Canada or the U.S. to download our mobile app. If you're travelling out of the country, make sure to download the app before you leave.

To enable Face ID, you must first register your face on your device.

• From your home screen, tap ‘Settings,’ then ‘Face ID & Passcode’ and follow the instructions.

Now that your face has been registered, you can enable Face ID for mobile banking by:

• Signing into Manulife Bank Mobile,
• Going to the ‘More’ menu,
• Choosing the ‘Face ID’ option, and
• Toggling ‘Enable Face ID’ to ‘Yes.’

Once you’ve enabled Face ID, you’ll be asked to agree to the corresponding terms and conditions before you can use the feature.
At this point, if you have not yet saved your access card number within the app, you can have the app save it for you by choosing ‘OK.’
That’s it - you’re done! The next time you sign into mobile banking, you’ll be prompted to use Face ID by looking at your screen.

To disable Face ID:

• Go to the ‘More’ menu,
• Toggle ‘Enable Face ID’ to ‘No,’ and

Tap “I agree.” The next time you sign into mobile banking, you’ll be prompted to enter your password.

To enable the fingerprint identification feature, you must first register your fingerprint to your device. 

If you're using Apple Touch ID:

• From your home screen, tap 'Settings,' then 'Touch ID & Passcode' and follow the instructions.

If you're using fingerprint ID on an Android device:

• From your home screen, tap 'Settings.' Then, find the menu option that contains 'Fingerprint' or 'Finger scanner,' and follow the instructions.

Now that your fingerprint has been registered, here's how to enable fingerprint identification for mobile banking:

• Sign into Manulife Bank Mobile
• Go to the ‘More’ menu
• Choose the fingerprint identification option for your device (Touch ID for Apple users; Fingerprint ID for Android users)
• Toggle ‘Enable Touch ID/fingerprint ID’ to ‘Yes.'
• Once you’ve enabled this feature, you’ll be asked to agree to the corresponding terms and conditions before you can use the feature.

At this point, if you have not yet saved your access card number within the app, you can have the app save it for you by choosing ‘OK.’

You’re done - the next time you sign into the app you’ll be prompted for your fingerprint!

To disable fingerprint identification:

• Go to the ‘More’ menu, and
• Toggle ‘Enable Touch ID/fingerprint ID’ to ‘No.’

Tap “I agree.” The next time you sign in, you’ll be prompted to enter your password.

If you have questions or need help with your account, you can send us a message directly in the app using your secure inbox, and we’ll respond within one business day.

Download the Manulife Bank mobile app.

Check your app version by accessing the Contact Us section of the mobile app. The version number will be in the bottom-right corner of the screen.

Yes, our mobile app employs the same accessibility standards as our website. For more information, click here.

Our mobile app is compatible with:

• iPhone/iPad - iOS version 14.1 and above
• Android smartphone/tablets with OS version 10 and above.

Not sure which operating system version your device has? Here's how to figure it out:

• If you have an Apple device, tap Settings > General > About
• If you have an Android smartphone, tap Menu > Settings > About Phone. If you have an Android tablet, tap Settings > General > About Device

NOTE: Before attempting to install the app, make sure you have enough free data space on your device. For example, you can free up space by deleting photos, videos, and other large files. To see your available space, go into Settings > General > About. The Manulife Bank mobile app requires 6.7 MB of space.

When you have more than one account, the dots at the bottom of the Accounts screen allow you to swipe back and forth between your accounts to view the details of each account.

Your account balance is the amount of money you have in your account. If you have borrowings, your account balance is the amount you owe. It takes into account all deposits and withdrawals you've made. However, it can take a few days for recent transactions to show up. If you don't see your latest activity, just check back later - it's coming.

If you have a Canadian-dollar cheque from a Canadian bank or financial institution that’s made payable to you, you can deposit the following types of cheque using an ATM or mobile deposit:

• Personal
• Business
• Certified
• Money order
• Government
• Convenience
• Counter

If you have a US-dollar cheque from a Canadian financial institution, there are two ways to deposit those cheques into your account:

• Send cheques by mail to Manulife Bank, 500 King Street North, PO Box 1602, Waterloo, ON, N2J 4C6
• Visit an RBC Royal Bank branch and give the teller one of your RBC Royal Bank deposit slips. Note, you can only deposit Canadian-dollar or US-dollar cheques from other Canadian banks at RBC branches. 

You can’t deposit cheques that are:

• Dated more than six months in the past
• Future-dated
• Not payable to you (the account holder)
• From a non-Canadian financial institution
  

Note: we can’t accept cheques from foreign banks. Instead, ask the sender to wire the transfer to your Manulife Bank account.

You can register up to five email addresses or mobile phone numbers for autodeposit.

You can chat with a real person on our mobile app or online banking by using the live chat feature. Our customer support agents are online Monday to Friday from 9 a.m. to 9 p.m. (ET). They can help you with questions about everyday banking or help you with anything related to your accounts.

A mobile wallet is an app on your mobile device that allows you to add payment information from your credit or debit card and make purchases with your device. You may also be able to keep loyalty club memberships and reward cards in your mobile wallet.

There are several different mobile wallet apps available, but the main five are Apple Pay®, Google Pay™, Samsung Pay, and Garmin Pay™. You can add your ManulifeMONEY+™ Visa* card to all five mobile wallets and your Manulife Bank debit card to Apple Pay®, Google Pay™ and Samsung Pay. Cards loaded into a mobile wallet can be used to make secure and convenient purchases in stores, other apps, and online shops that accept mobile payments.

You can add your ManulifeMONEY+™ Visa* card to Apple Pay®, Google Pay™, Samsung Pay, and Garmin Pay™ and your Manulife Bank debit card to Apple Pay®, Google Pay™ and Samsung Pay.

Here are the compatible devices for each app:

• Apple Pay supported devices (Compatible with ManulifeMONEY+ Visa card and Manulife Bank debit card)
• Samsung Pay supported devices (Compatible with ManulifeMONEY+ Visa card and Manulife Bank debit card)
• Google Pay supported devices (Compatible with ManulifeMONEY+ Visa card and Manulife Bank debit card)
• Garmin Pay supported devices (Compatible with ManulifeMONEY+ Visa card and Manulife Bank debit card)

You can use your mobile wallet wherever contactless payments are accepted. If you’re unsure if contactless payment is accepted, simply ask an employee when you checkout. Keep in mind that fees may apply including foreign exchange fees. We suggest you also check out your credit card or debit card agreements to see if there are any other fees associated with using your card abroad.

We don’t charge fees for using a mobile wallet. However, you’re responsible for any fees or charges from third-party service providers, like data usage or messaging rates. 

Absolutely! You get all the same rewards and perks.

Please review Apple Pay’s security overview for more info. (Compatible with ManulifeMONEY+ Visa card and Manulife Bank debit card)

Please review Google Pay’s security overview for more info. (Compatible with ManulifeMONEY+ Visa card and Manulife Bank debit card)

Please review Samsung Pay’s security overview for more info. (Compatible with ManulifeMONEY+ Visa card and Manulife Bank debit card)

Please review Garmin Pay’s security overview for more info. (Compatible with ManulifeMONEY+ Visa card and Manulife Bank debit card)

Yes – you’ll have to remove the current card and then add the new one. You can visit the website of your mobile wallet provider for information on how to remove a card.

Apple Pay
Google Pay
Samsung Pay
Garmin Pay

ManulifeMONEY+ Visa card

As long as there is sufficient credit available on your ManulifeMONEY+ Visa card account, there are no restrictions on the amount you can spend to pay for purchases with your mobile wallet. However, we suggest checking with the store if they impose an amount limit on purchases made using a mobile wallet.

Manulife Bank Debit Card

The following limits apply for purchases made with your Manulife Bank debit card in your mobile wallet:

- Contactless payments in a store: less than $250

Note: To protect yourself, you must enter your PIN as soon as the contactless payment reaches $400.

- Payments for mobile website or in-app purchases: $3,000 per day

We suggest you contact your mobile wallet provider:

- Apple, Google or Samsung (compatible with the ManulifeMONEY+ Visa card and the Manulife Bank debit card)
- Garmin (compatible with the ManulifeMONEY+ Visa card)

Transaction information will not be shared with the mobile wallet provider. The only information that will be shared with them is your name and account number when you set up your mobile wallet.

As a Manulife Bank customer, you have fee-free access to thousands of ATMs across Canada that are part of THE EXCHANGE^® Network. Use our ATM locator to find the one that's closest to you. You'll be able to see within the ATM locator which of these machines accept deposits and which are withdrawal-only.

Note that ATM transaction fees may still apply for specific products or transactions.

In addition to ATMs bearing THE EXCHANGE Network logo, you can also make withdrawals at any ATM bearing the Interac^® logo. However, you may be charged additional fees for ATMs that don't have THE EXCHANGE Network logo.

You can also get money with in-store cash back from participating retailers.

Find an ATM

Find ATMs on the go with our mobile banking app

Yep! Whether you're banking online or through the mobile app, use the same login credentials to access your account.

Deposit a cheque anywhere, anytime by taking a photo.

1. Tap Deposit in the bottom navigation bar
2. Select the to account
3. Type the dollar amount on the cheque
4. Tap Front of cheque, centre the front of the cheque and let the app take the picture
5. Tap Back of cheque, centre the back of the cheque and let the app take the picture
6. Tap Next
7. Tap Confirm

Mobile deposit tips

• Your Apple smartphone or tablet must be running iOS 9.0 or higher
• Your Android smartphone or tablet must be running version 4.2 or higher
• Your device must have a camera
• Photograph the cheque on a dark background with all four corners visible in the frame and without shadows, folds or bent corners
• Make mobile deposits to your Canadian-dollar Advantage Account, Business Advantage Account, Line of Credit, Manulife One, or Manulife Bank Select chequing account
• Deposit personal, business, government, convenience and counter cheques, as well as money orders – each with a maximum value of $1,000,000
• Cheques must be payable to you, issued in Canadian currency, and drawn on a Canadian financial institution
• You cannot deposit cheques dated more than six months ago or post-dated
• Access up to $100 of your deposit right away, and the rest after five business days
• See the transaction in your account history the next business day
• Keep your cheque for 15 days after the deposit date and then destroy it
• For your security, cheque images are never stored on your mobile device

Pay a bill right away or set up a future payment.

1. Tap Bills in the bottom navigation bar
2. Tap Pay a bill
3. Select the payee or add a new payee
4. Select From which account?
5. Type the dollar amount you want to pay
6. Select the frequency (once, weekly, bi-weekly, monthly, end of every month or annually)
7. Select the date you want to pay the bill
8. Tap Next
9. Tap Confirm

Mobile bill payment tips

• Your payee will generally receive your payment in three to five business days – the same amount of time as online banking
• To delete a payee, tap Bills and then Manage payees. You will see your list of payees. By swiping left, you will be given the option to delete the payee.
• To stop a bill payment, tap Bills and then Upcoming payments; tap the bill payment that needs to be stopped. Tap Stop payment.

To transfer money between your Manulife Bank account and your account at another Canadian bank, you need to link your accounts:

1. Tap Transfers in the bottom menu.
2. Tap Link external account.
3. Tap Get Started and follow the steps to log in and authenticate with your financial institution using Flinks.
4. Once connected, select the account you would like to link.
5. Review the agreement and click Link Account.
6. Your account is now linked. Visit Transfer money to make a money transfer.

Once the external bank account has been linked, it’s simple to set up individual or recurring transfers:

1. Sign into the Manulife Bank mobile app.
2. Tap Transfers in the bottom menu.
3. Tap Transfer money.
4. Follow the on-screen steps to move money between your accounts.
   Note: If you want to transfer money into or out of your external bank account, the transfer must be scheduled at least one business day in the future.

Money transfer tips

• To view recurring money transfers, tap Transfers, then Upcoming transfers
• To cancel a future money transfer, tap Upcoming transfers; tap the transfer that needs to be stopped, then tap Delete transfer

Check your balance and see your transactions.

1. Tap Accounts in the bottom navigation bar to see your deposit and loan account balances
2. Tap an account name to see details including your current interest rate, deposits, and withdrawals
3. Tap the drop down at the top to switch between accounts

Account detail tips

• The app automatically displays transactions in last 30 days
• To choose a different date range, tap the filter icon
• Select the current month, previous month, or input your own date range

Send and receive money instantly in an email or text messages

Send money using Interac e-Transfer

1. Tap Transfers in the bottom navigation bar
2. Tap Send money and follow the instructions to set up your Interac e-Transfer profile
3. Once you’re set up, tap Transfers
4. Tap Send money
5. Tap To and select the contact or add a new contact
6. Select the From account
7. Type or select the dollar amount you want to send
8. Tap Next
9. If your contact doesn't have autodeposit, you'll need to enter a security question with a strong security answer that can’t be easily guessed or found, and share it with them through a safe channel.
10. Tap Next
11. Tap Confirm

Receive money via Interac e-Transfer (Not applicable if you're registered for autodeposit)

1. Tap the link in the notification message
2. Choose Manulife Bank as your financial institution
3. Choose mobile banking app to deposit through mobile banking
4. Sign in to our mobile banking app
5. Choose Deposit to account
6. When you see the security question, type the answer the sender gave you
7. Tap Accept
8. Tap Confirm

Interac e-Transfer tips

• The cost to send money using Interac e-Transfer is either free or $1 per transaction, depending on the account you have. Learn more here.
• It’s always free to receive money via Interac e-Transfer!
• To protect your account, there is a daily, weekly, and monthly limit for Interac e-Transfer transactions. Learn more here.
• You’ll get an email or text message when the money you sent using Interac e-Transfer is accepted.
• To send a reminder to the recipient, tap Transfers, then View Interac e-Transfer transactions. Select the applicable transaction and tap Re-notify contact.
• To cancel an Interac e-Transfer transaction that hasn’t been deposited, tap Transfers, then View Interac e-Transfer transactions. Select the applicable transaction and choose Stop transaction.
• To edit your Interac e-Transfer profile, tap More, then Profile & Settings, then Interac e-Transfer Profile
• To add, edit, or delete Interac e-Transfer contacts, tap Transfers, then Manage contacts, then Add a contact to add manually or from your contact list

Locate an ATM you can use with no surcharges.

1. Tap ATM locator on the bottom navigation bar before you sign in
2. With location services on, the app will immediately show you the closest ATMs
3. With location services off or to find an ATM in another area, enter the city, province, or postal code in the search field
4. Tap the ATM icons on the map to see the address, directions, and ATM features
5. Tap the list icon to see a list of ATMs instead of a map

Find an ATM tips

• If you’re already signed in on a smartphone, tap More on the bottom navigation bar and then ATM locator
• If you’re already signed in on a tablet, tap ATM locator on the bottom navigation bar
• Our ATM locator shows all ATMs that are part of THE EXCHANGE^® Network; as a Manulife Bank customer, you can use these ATMs without paying surcharges

Order standard and custom cheques with a few taps.

1. Tap More on the bottom navigation bar
2. Tap More bank services
3. Tap Order cheques
4. For standard cheques, select the information you want to appear on the cheques; tap Next and then Confirm
5. For custom cheques, tap Order now and you will be taken to the Davis and Henderson website where you can confirm your account information and then submit your order
6. Either way, we will show you the cost before you confirm your order

Ordering cheque tips

• Your cheques will be sent by mail to the primary account holder within 15 business days or your order
• Please call us at 1-877-765-2265 instead of using mobile banking if:
• This is the first time you are ordering cheques on this account
• Your name and/or address have changed since your last cheque order

Keep us informed when your address, phone number or email address change.

1. Tap More on the bottom navigation bar
2. Tap My profile & settings
3. Tap View and update contact information
4. Tap Edit next to the address, phone number(s), or email address you want to update
5. Enter your new information
6. Tap Done

Changing contact information tips

• Your new contact information updates across all of your accounts except your Manulife Bank credit card accounts; please sign into your credit card account to change your contact information there too
• Please call us at 1-877-765-2265 instead of using mobile banking if you need to change the mailing address on a Manulife Bank mortgage account
• When you change your email address, we will send all future e-statement notifications to the new email address
• Don’t leave all your phone number fields blank – we must have either a home or mobile phone number on file
• We cannot accept P.O. box numbers unless there is also a physical street address

We’ll add a new menu item when it’s time to renew.

• We’ll mail you a renewal agreement about 90 days before your maturity date
• Your renewal agreement includes your renewal interest rate and term options

To renew:

1. Tap More on the bottom navigation bar
2. Tap More bank services
3. Tap Renew your mortgage or sub-account
4. Update your contact information if necessary
5. Select the account to renew (if you have more than one)
6. Select your new mortgage or sub-account type and term
7. Consent to the terms and conditions
8. Tap Next
9. Tap Confirm

Renewal tips

• Your new mortgage or sub-account term will appear in your account details one business day after the scheduled renewal date
• Please complete the short survey after you renew – we’re constantly looking for ways to improve your mobile experience

Apply for $5,000 or more in additional borrowing room.

1. Tap More on the bottom navigation bar
2. Tap More bank services
3. Tap Request a mortgage increase
4. Select the account you want to increase
5. Fill in and confirm the required information
6. Tap Next
7. Tap Confirm

Mortgage increase tips

A Manulife Bank lending specialist will contact you within 2 business days and may ask you to provide additional documents such as:

• Notice of assessment
• Letters of employment
• T1 general statement
• T4A statement

After we receive all the required documents, the approval process typically takes 2 to 3 weeks

On your Manulife Bank App:

1. Select More, then Profile & settings and then Autodeposit
   1. If you haven’t already, you’ll need to set up your Interac e-Transfer profile. You’ll be prompted to enter your name, language and contact method – an email address and/or mobile number. You’ll receive a confirmation email or text message from Interac^®. Follow the instructions to confirm your profile.
2. Add your legal name
3. Select Register with and choose either an email or a mobile number
4. Add in the email address or mobile number
5. Tap Autodeposit to and chose which account you’d like to have money sent via Interac e-Transfer deposited into
6. Review your information. If it’s all correct, tap Confirm
7. You’ll receive an email or text message from Interac. Follow the instructions to complete your registration.
8. That’s it! You’re registered for Autodeposit. You can register up to five emails address or mobile numbers. 

If you are registered for e-statements you can view statements in our mobile app:

1. Sign in to the Manulife Bank mobile app.
2. Select the account you'd like to view statements for.
3. Select the Statements tab.
4. Select a statement from the list or, if you have not registered for e-statements, follow the prompts to change your preferences.

1. Tap More.
2. Tap Profile & Settings.
3. Tap Statement preferences.
4. Select the account you want to switch to e-Statements.
5. Turn on Go Paperless to switch to e-Statements, and turn on Get notified to receive an email when new e-Statements are ready.

You can temporarily lock and unlock your access card through the mobile app.

To lock card:

1. On the bottom right corner of the screen, tap More
2. Then, tap Manage access cards from the menu
3. Select the card you want to manage
4. You’ll see a toggle on the right-side; slide it to the right to lock card

To unlock card:

1. On the bottom right corner of the screen, tap More
2. Then, tap Manage access cards from the menu
3. Select the card that’s locked
4. You’ll see a toggle on the right-side; slide it to the left to unlock card

You can use your mobile wallet at stores, online, and in other apps that accept mobile payments. If you’re at a store and aren’t sure if this method of payment is accepted, just ask a store employee. If using it online, when checking out – Apple Pay, Google Pay, Samsung Pay – will be an option to pay if they are accepted.

Here are the compatible devices for each app:

• Apple Pay supported devices
• Google Pay supported devices
• Samsung Pay supported devices
• Garmin Pay supported devices

Please review Apple Pay’s security overview for more info.

Please review Google Pay’s security overview for more info.

Please review Samsung Pay’s security overview for more info.

Please review Garmin Pay’s security overview for more info.

Contactless payments lets you pay for purchases up to $250 at participating Canadian retailers by simply holding or tapping your Manulife Bank access card against the payment terminal, instead of entering a PIN or providing your signature.

Many Canadian retailers now accept contactless payments. While you shop, look for the Interac Debit contactless payment logo and contactless wave symbol wherever you shop. 

Contactless payments uses secure chip processing, which is the most secure card payment method available. Secure chip processing never relies on the card’s magnetic stripe to transmit data, and prevents unauthorized users from copying or accessing the information on your card when using chip-enabled payment terminals or ATMs.

The per-transaction and total limits for contactless payments provide an extra layer of protection. And, as an added benefit, all Interac Debit and contactless payment transactions are covered by the Interac^® Zero Liability Policy*, which protects you against losses from unauthorized activity on your accounts.

You can use contactless payments for any single purchase up to $250 at a participating retailer. If you try to pay for a purchase of more than $250 by contactless payment, you will be prompted to insert your access card and enter your PIN as you would for a regular Interac Debit payment.

For added security, you will also be prompted to insert your access card and enter your PIN whenever your contactless payment purchases reach a total of $400 since the last time you entered your PIN. To re-activate contactless payment if this occurs, simply complete an Interac Debit purchase using your PIN. Your spend counter will reset to zero and you will be able to pay using contactless payments again.

Any purchase made with contactless payment will be debited from the primary account associated with your Manulife Bank access card. If you have more than one account associated with your access card, your chequing account will be debited.  If you need to change which account is debited, call us.

Using contactless payment is free. However, standard fees for debit transactions on your account will apply.

Contactless purchasing is safe, convenient and popular. That’s why we automatically enable contactless payment on your access card. However, it’s an optional feature, so you can call us anytime to turn it off – or, if you change your mind, to turn it back on.

Retailers provide receipts upon request for purchases made using contactless payment, just as they do for Interac Debit transactions.

Activate a new card by logging into the mobile app or by calling us at 1-877-765-2265.Then watch for your PIN, which will arrive separately by mail. If your access card replaces a previous access card with the same number, you can keep the same PIN. Once you have your PIN, make an Interac Debit purchase at a retailer with a contactless payment enabled terminal. When you insert your card and enter your PIN, you will activate contactless payment for any subsequent purchases, wherever it’s available.

First, set up online access to your account:

1. If you don’t have or don’t know your password, call 1-877-765-2265 to get a temporary password.
2. Then, you need to create a Manulife ID; go here and follow the steps provided.

Then, you’ll need to link to your Manulife Bank account with your Manulife ID. Here’s how to do that:

1. Sign in with your Manulife ID.
2. If prompted, select Manulife Bank.
3. Enter your bank card access number and the temporary password you were given when you called us.
4. We’ll send a one-time verification code to your email or mobile phone. Enter that code here.
5. That’s it! Following these steps will connect your Manulife Bank account to your Manulife ID.

1. Click Change Password under My Profile in the left menu
2. Enter your current password
3. Enter your new password (it must be 6 to 12 characters and contain both numbers and letters)
4. Enter your new password again
5. Click Submit Change

1. Log in to Online Banking.
2. Select the account.
3. Select the Statements tab.
4. Click the statement date to view your statement.

1. Log in to your account.
2. Click your name at the top right of the screen.
3. Choose Statement Preferences.
4. Select Edit for the account you want to switch to e-Statements.
5. Change your statement preference to e-Statements and check Email me when my latest e-Statement is ready to receive emails when new e-Statements are ready.

To transfer money between your Manulife Bank account and your account at another Canadian bank, you need to link your accounts. You can link your other bank accounts to your Manulife Bank accounts in our mobile app, or through online banking:

1. Sign into online banking.
2. Under Money Transfers in the left-side menu, click Link an External Account.
3. Select Get Started and follow the steps to log in and authenticate with your financial institution using Flinks.
4. Once connected, select the account you would like to link.
5. Review the agreement and click Link Account.
6. Your account is now linked. Visit One Time Transfer to make a money transfer.

1. Click Products & services on the left side menu
2. Click Order cheques.
3. Choose Order standard or Order custom (custom orders go to a different website).
   
4. Select the account you would like cheques for.
5. Check the box next to the joint account owner’s name (if applicable) to include that name on the cheques too.
6. Check the box next to your address, if you wish to include on the cheques.
7. Check the box next to your telephone number, if you wish to include on the cheques.
8. Enter a cheque start number if you choose.
9. Select the quantity of cheques you want.
10. Click Next to review your order. 
11. Review your order details and submit by clicking Place order.

Track part of your debt separately at the same low variable interest rate as your main account.

1. Select Open Sub-accounts in the left menu.
2. Read the description of sub-account types.
3. Click Continue.
4. Select the Manulife One account you want to create a sub-account from.
5. Click Continue.
6. Enter a sub-account nickname if you choose.
7. Check your available amount of debt and then enter the amount of debt you want to allocate to this sub-account.
8. Choose the type of sub-account.
9. Click Calculate to see the estimated monthly interest-only payments Manulife Bank will withdraw from your main Manulife One account.
10. Click Continue.
11. Click Previous to change the details, or Submit if all the details are correct.

You can close your tracking sub-account at any time.

• Term sub-accounts close automatically when the balance is paid off.
• To close a term sub-account before the balance is paid off, call 1-877-765-2265.
• Note that a penalty may apply.

1. Log into your online banking account
2. Select Interac e-Transfer^® from the navigation bar on the left side of the screen
3. Next, click on Manage Interac e-Transfer profile
   a. If you haven’t already, you’ll need to set up your Interac e-Transfer profile. You’ll be prompted to enter your name, language and contact method – an email address and/or mobile number. You’ll receive a confirmation email or text message from Interac^®. Follow the instructions to confirm your profile.
4. Scroll down and select the Set up Autodeposit button
5. Add your legal name
6. Select Register with and choose either an email or a mobile number
7. Add in the email address or mobile number
8. Tap Set up Autodeposit and chose which account you’d like to have money sent via Interac e-Transfer deposited into
9. Review your information. If it’s all correct, click Set up Autodeposit
10. You’ll receive an email or text message from Interac. Follow the instructions to complete your registration.
11. That’s it! You’re registered for Autodeposit. You can register up to five emails address or mobile numbers. 

Manulife Bank provides a pre-filled direct deposit form that contains all the information required in place of a void cheque which you can download and print from online banking after you sign in.

1. Choose your account from the home page
2. Select Direct deposit form (PDF) under More.

You can request a mortgage increase through online banking or the mobile app. 

Online banking: Apply for $5,000 or more in additional borrowing room through online banking by following these steps:

1. Sign into online banking
2. Under Mortgage & loans, choose the mortgage you’d like to increase
3. Click the More icon and choose Request a mortgage increase from the dropdown menu
4. Complete the required questions and click Next
5. Review your responses
6. Click Confirm 

Mobile banking: Tap on the ‘More’ option in the main menu, and ‘Request a mortgage increase'. Follow instructions and tap submit. 

After you sign in with your Manulife ID, go to Profile in the top right corner of the screen and select Manulife ID. This is where you manage your Manulife ID. That includes updating your email and mobile number, changing your username or password, or updating the personal information you use with your Manulife ID.

Once you create your Manulife ID, you’ll only use that to sign in – no more scrambling to find your Manulife Bank access card when you need to check your balance or pay a bill.

Yes. You’ll need to have one Manulife ID for your personal bank account(s), and another Manulife ID for your business bank account(s).

No, it won’t. You’ll only need to use Manulife ID when you want to sign into our online banking site or our mobile app.

If you accidentally set up more than one Manulife ID for your personal products, call us at 1-877-765-2265.

You can, but we think it’s better not to. Here's why:

• If you share an email with someone, like your spouse, only one of you can use it as their username.
• If you change the email you use with your Manulife ID, you'll need to remember to update your username too – or they won't match.

No, your password won’t expire. You’ll never need to change it if you don’t want to, but we recommend you change your password at least every 6 months. But if there’s been a security incident, or your account or device have been compromised, change your password as soon as you can.

If you received a passcode from Manulife to verify your identity through a two-step authentication process – but you didn’t ask for one – that could mean:

• Someone with a similar username as you made an error entering information, which triggered our reaching out to you in error (this is usually the case)
• Someone may be trying to sign in to your account using your Manulife ID

The reason we have two-step authentication is to prevent someone other than yourself from signing in to your account. If you received a code, that means the security protection is working.

If you find yourself in this situation, you can do one of three things:

1. Ignore the email, as the attempted sign in will fail without the second step being completed
2. Sign in to your account and review your information to confirm all is well
3. Contact us – find our contact information (according to business segment) on our contact us page

You must have a Business Advantage Account or Manulife One for Business mortgage in order to file taxes and pay provincial or federal government agencies using our business tax payment and filing service. Personal account holders are not eligible for the service and already have access to an extensive list of bill payees through online and mobile banking – you may find that the agency you wish to pay is already on that list.

Typically, within 5 business days. Watch for messages from PFS.creditors@telus.com.

You can download the user guide to the tax payment and filing service which is also available within the payment portal.

A one-time enrollment fee of $25 will apply. A per-transaction fee of $2 will also apply. The Manulife Bank business account you designated when you enrolled will be debited monthly.

The fastest way is to self-serve. Complete the electronic enrollment form and return it to Manulife Bank using the Upload documents feature of online banking. If you prefer, you can return the completed enrollment form via fax or letter mail. Speak to your advisor or contact Manulife Bank if you cannot self-serve.

Yes. Our application packages include instructions for enrolling in the optional tax payment and filing service. The representative who helps you submit your application for a Business Advantage Account can guide you.

Contact Dye & Durham at 1-800-206-9444 for assistance, between 8 a.m. and 8 p.m. ET, Monday to Friday.

You can set-up only a single user but can make tax payments from multiple Manulife Bank accounts. If you enrolled multiple accounts, you can choose the account from which you wish to make a payment within the tax payment portal. Contact us to add accounts or request account changes.

Yes. If you enrolled multiple Manulife business accounts, you may choose which one gets debited within the portal. Please refer to the user guide for further assistance.

Please refer to the user guide for instructions on account registration and set up of a payment. If you cannot resolve your issue in that way, contact Dye & Durham at 1-800-206-9444 for assistance, between 8 a.m. and 8 p.m. ET, Monday to Friday.

Payments are processed early in the morning on the payment date. Payments entered on the due date are therefore considered late, and subject to government penalties. To avoid late payment penalties, you must make payments no later than midnight of the last business day before the due date. For further clarification, contact Dye & Durham at 1-800-206-9444, between 8 a.m. and 8 p.m. ET, Monday to Friday.

If your payment has not yet been processed, you can cancel it. Within the portal, you’ll find links to a user guide and answers to Frequently Asked Questions (FAQ) on the Registered payments and accounts screen. These online resources provide instructions on cancellations. If you cannot resolve your issue in that way, contact Dye & Durham at 1-800-206-9444 for assistance, between 8 a.m. and 8 p.m. ET, Monday to Friday.

If your payment has not yet been processed, you can cancel it. Follow the steps outlined in the “View or cancel future-dated transactions” section of the portal’s online user guide. Contact Dye & Durham at 1-800-206-9444 if you need assistance, between 8 a.m. and 8 p.m. ET, Monday to Friday. If the payment has already been processed, you must contact the government agency to which you made the incorrect payment directly.

Yes, each bill payment will appear as a single line item, “Fed/Prov Tax Payment”, on the day the payment was made, while enrollment and transaction fees will appear as a consolidated line item “Business Tax Payment Fee”. Note the fees may not be charged on the same day as the transaction.

You can reset your own password at any time by clicking I forgot my password at the top of the portal sign in screen. You’ll receive a new password at the email address entered in your profile. Contact Dye & Durham at 1-800-206-9444 for assistance with your user ID.

There are no maintenance costs or dormancy fees associated with this service; it will be terminated automatically if you choose to close your Manulife Bank business account. Note that any post-dated payments will be void upon cancellation of the service.