Maximize your money
It’s time for you to be rewarded for spending money and for saving it. The Manulife All-in Banking Package gives you an everyday bank account, high-interest savings, a no-fee cash back credit card, and travel insurance, wrapped into one amazing mobile experience.
All that for just $10 a month. Want no-fee banking? We’ll rebate the $10 fee each month that you save $100 or more!1
High-interest Savings Account rate2
Here’s what makes it so awesome:
- Get unlimited e-Transfers, debit purchases, bill payments, and withdrawals
- Earn high interest on every dollar you save
- Unlimited cash back rewards on every dollar you spend with the no-annual fee ManulifeMONEY+™ Visa* Platinum Card3
- Reach your financial goals with automated savings tools and a virtual financial assistant
- Stay covered while you’re abroad with $10,000 of annual travel disruption insurance4
- Low-interest secured overdraft in case you face any unexpected expenses5
Rates & fees
Everyday Banking Account
Monthly fee: $10
At the end of every month, if your High-Interest Savings Account balance is $100 higher than it was on the last day of the previous month, we’ll waive the monthly fee.
Other services and fees include:
|Transferring money from your account at another bank||no charge|
|Direct deposit||no charge|
|ABM deposits||no charge|
|Mobile cheque deposit||no charge|
These fees are waived when you maintain a balance of $1,000.
|Sending Interac e-Transfers®8||no charge|
|Debit card purchases||no charge|
|Withdrawals in Canada at ABMs that are part of THE EXCHANGE® Network||no charge|
|Withdrawals in Canada at ABMs that aren’t part of THE EXCHANGE® Network||$1.50|
|ABM withdrawals outside of Canada||$3.00|
|Pre-authorized withdrawals||no charge
|Transferring money to your account at another Canadian bank||no charge
|Bill payments||no charge|
High-interest savings account
ManulifeMONEY+ Visa Platinum Card
Cash back rates
Annual interest rates
Purchases: 19.99% | Cash advances: 21.99%
$0 for you | $0 for each additional cardholder
- Fees are subject to change with at least 30 days of prior written notice.
- All fees are presented on a per item basis, unless otherwise stated.
- Other convenience fees may apply to withdrawals made at ABMs that are not part of THE EXCHANGE®
1 At the end of every month, if the balance in your High Interest Savings Account is $100 higher than the balance on the last day of the previous month, we’ll rebate the monthly fee.
2 Interest is calculated on the closing daily balance and paid monthly. Rate subject to change without notice.
3 Subject to credit card approval.
4 Conditions and exclusions apply. Underwritten by The Manufacturers Life Insurance Company (Manulife) and First North American Insurance Company, a wholly owned subsidiary of Manulife. Manulife, P.O. Box 670, Stn Waterloo, Waterloo, Ontario, N2J 4B8.
5 As at (date) the Annual Interest Rate for the secured overdraft is 15%. It is calculated on the total daily closing balance and charged monthly. Rates are subject to change without notice.
6 You will earn a bonus of an additional 3% cash back, for a total of 5% cash back on the first $2,000 in purchases at merchants classified in the Visa network as Grocery Stores & Supermarkets (Merchant Code: 5411) when those purchases are posted to your account beginning on your account opening date and ending three statements after your account opening date. Purchases may take a few days or more to post to your account depending on the merchant. Purchases made but not yet posted within the three-statement promotional period are not eligible for the bonus. You will earn regular cash back of 2% on purchases at merchants classified as Grocery Stores & Supermarkets after the three-statement promotional period. All other terms of the Manulife Bank Rewards Terms and Conditions that apply to your account continue to apply during this promotional offer. Offer may be changed or extended and cannot be combined with any other offer.
7 You will earn 2% cash back on the first $15,000 you spend annually at merchants classified in the Visa network as Grocery Stores & Supermarkets (Merchant Code: 5411). All other purchases earn 1% cash back. The $15,000 annual spending limit will reset to zero on each anniversary of the date you opened your credit card account. Terms, conditions and eligible merchant/merchant categories may change without notice. For residents of Québec only, the terms and conditions are subject to change at any time with 30 days prior written notice. Cash back is earned on card purchases less returns and not on cash advances, interest, fees, service/transaction charges, balance transfers and payments.
8®Trade-mark of Interac Inc. Used under license. Fiserv EFT is the owner of THE EXCHANGE® trade mark and its associated rights. Fiserv EFT has granted FICANEX® the exclusive right to use, market and sublicense THE EXCHANGE® trade mark and the intellectual property rights associated with the operation of THE EXCHANGE® Network throughout Canada. Manulife Bank of Canada is an authorized user of the mark.
* Trademark of Visa Int., used under license.
Manulife, Manulife Bank & Stylized M Design, ManulifeMONEY+, and Stylized M Design are trademarks of The Manufacturers Life Insurance Company and are used by it, and by its affiliates under license.
Savings Sweeps can make it easier for you to reach your savings goals. Simply choose how much money you want to keep in your everyday banking account and the rest will be moved to your savings account at the end of each day. Remember, if you grow the balance of your savings account by $100 each month, we’ll waive your monthly banking fee!
When you don’t have enough available cash in your Everyday Banking account, but you do have money in your High-Interest Savings Account (HISA), secured overdraft can help you avoid non-sufficient funds (NSF) charges if you forget about an automatic withdrawal or an unexpected expense pops up.
Your secured overdraft limit is 75% of the balance in your HISA. For example, if you have $1,000 in your HISA, you can overdraw your Everyday Banking Account by up to $750. The maximum secured overdraft limit is $5,000, with a 15% interest rate that’s calculated daily. However, there are no daily or per use fees.
The Manulife All-In Banking Package is a bundle and can’t be applied for as separate products.
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