The terms and conditions for each of our products outline our responsibilities to you and your responsibilities to us. We revise them from time to time, but you’ll always find the most up-to-date versions on this page. 

Effective December 8, 2022, changes have been made to certain documents:

1.   Updated language related to Quebec Bill 2, which defines the bank’s remittance obligation with respect to funds in a deposit account held jointly by spouses or former spouses upon the death of one of the joint accountholders:       

        ·       Manulife One General Terms - Section 2 (6)

        ·       Manulife Bank Select General Terms - Section 3 (7)

        ·       Operating Agreement for Personal deposit accounts and lines of credit - Section 5

2.   Updated language related to Verification of Account:

        ·       Manulife One General Terms - Section 2 14d(iii)

        ·       Manulife Bank Select General Terms - Section 2d(iii)

General terms

Manulife One

Need to know how sub-accounts work? Want to learn how interest is calculated? Curious about how we use your personal information? Find the answers here.

Manulife Bank Select

Want to better understand the fees and interest you pay? Wondering about foreign currency transactions? Interested in finding out how we handle complaints? Find the answers here.

Manulife One for Business

Need to know the rules governing payments and prepayments? Want to find out what happens if there’s an overdraft in your account? Interested in what happens once you’ve paid off everything you owe? Find the answers here.

Operating agreements

Personal deposit accounts and lines of credit

Interested in how joint accounts work? Want to understand who has access to your personal information? Need to know how to file a complaint? Find the answers here.

Business deposit accounts and lines of credit

Want to understand the rights of an authorized signing officer? Looking for information on who’s responsible for password security? Curious about the obligations of your sole proprietorship, partnership or corporation? Find the answers here.

Manulife Bank All-In Banking PackageTM

Interested in learning more about the features of your Everyday Banking Account or High-Interest Savings Account? Want to find out how the secured overdraft works? Looking for information on how to keep your accounts secure? Find the answers here. 

Declarations of trusts

Registered Retirement Savings Plan (RRSP)

Interested in how Manulife Bank’s trustee manages your RRSP contributions, investments, and withdrawals? Find the answers here. 

Tax-Free Savings Account (TFSA)

Interested in how Manulife Bank’s trustee manages your TFSA contributions, investments, and withdrawals? Find the answers here.

Registered Retirement Income Fund (RRIF)

Interested in how Manulife Bank’s trustee manages your RRIF contributions, investments, and withdrawals? Find the answers here.