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. 

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.

Declarations of Trusts

Retirement savings plan

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

Tax-free savings account

Interested in how Manulife Bank’s trustee manages your tax-free savings account contributions, investments, and withdrawals? Find the answers here.

Registered Retirement Income Fund

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