With Manulife One, you get much more than a mortgage. Your account gives you the flexibility to respond to opportunities and challenges as you work towards your financial goals. To start taking full advantage of Manulife One right away:

  • Bank with peace of mind: set up direct deposit to know that your mortgage payments are always covered. To do this, print a void cheque from your online account, then submit the cheque and this direct deposit form to your payroll administrator
  • Repay your other loans: use your Manulife One account to pay off other loans, and benefit from generally lower interest rates
  • Pay bills with ease: make bill payments and track all of your expenses within your Manulife One account. Want to make life even easier? Automate all of your payments with this pre-authorized payment tracker
  • Put your money to work: have money in other chequing or savings accounts? Move that cash into your Manulife One account so every dollar immediately reduces your debt
  • Keep track of every step with this checklist.

Find out more about your account from the Manulife One client guide.

Using your Manulife One account

Getting your Manulife One account up and running is easy, but you do need some basic information about access, fees, statements, and sub-accounts to get started. 

Access your Manulife One account

Access your Manulife One account using our mobile apponline banking, or by calling us at 1-877-765-2265. And of course, use your debit card at any bank machine on THE EXCHANGE® Network.


Your $16.95 monthly fee ($9.95 monthly fee if you’re over age 60) covers the following transactions – and we’ll waive the monthly fee when you have a positive balance of $5,000 or more in your account at the end of the month:

  • Online, mobile, and telephone banking services
  • Deposits in Canadian dollars
  • Deposits and withdrawals at eligible ABMs in Canada on THE EXCHANGE® Network1
  • Purchases made with your debit card in Canada1
  • Bill payments
  • Pre-authorized payments
  • Money transfers between accounts
  • Cheque writing in Canadian dollars

In addition, maintain a positive balance of $5,000 or more in your account and we'll waive the monthly fees, as well as fees for the following transactions:

  • Transactions at bank machines in Canada that aren't on THE EXCHANGE® Network
  • Purchases made with your debit card outside Canada1
  • Interac® e-Transfers

Read more detailed information about Manulife One fees.


You will receive a monthly statement electronically or by mail – it’s your choice. If you didn’t choose a statement type when you opened your account, we will send your statement by mail. You can change the type of statement you receive anytime using online banking or by calling us at 1-877-765-2265. Please review your statement each month and call us right away if you notice any errors or discrepancies.

You can also log into online banking anytime to see your transactions over the past two years.



  • tracking sub-account lets you track a portion of your debt and the interest you pay on it separately – for example, if you lend money to a family member or borrow to invest
  • A term sub-account lets you lock in some of your debt with predictable monthly payments – you can choose either a variable or fixed interest rate

Here’s an example that shows how a family may use tracking and term sub-accounts to achieve their goals:

  • Value of home: $250,000
  • Borrowing limit: $200,000 (80% of value of home)
  • Borrowed amount: $180,000

The family sets up a tracking sub-account so they have a separate record of interest paid on a $50,000 investment loan. They must allocate $37,500 (the amount over 65% of the value of their home) to a term sub-account.2 They set up a second term sub-account for half the remaining balance in their main account ($46,250) to lock in a fixed interest rate and protect themselves against future interest rate increases. For illustration purposes only.

Learn how to set up a Manulife One tracking sub-account or term sub-account online.

Enhance your account

Did you know adding products that complement your Manulife One account can help provide extra protection and flexibility?

Mortgage life insurance

Make sure your debt isn’t a top concern following death, disability or job loss. Mortgage life insurance 3 can help preserve your family’s financial stability, and we base your premiums on your outstanding account balance. This means as you pay down your debt, your premiums decrease. Here’s what’s covered:

  • Life insurance pays the lesser of the average outstanding month-end balance over the previous 12 months or the outstanding balance on the date of death, to a maximum of $500,000
  • Disability and job loss insurance pays the monthly interest charged to your account the month before the disability or job loss plus the minimum monthly principal payments in any fixed rate sub-accounts, to a maximum of $3,500 – and keeps up the payments for 24 months fora disability and six months for a job loss

Learn more about Manulife One mortgage life insurance in our brochure and distribution guide.

To apply, call 1-844-239-4677. Try it out for up to 60 days and, if you decide to cancel, we’ll refund your premiums.

ManulifeMONEY+TM Visa* credit cards

Earn cash back rewards on every purchase4 and save money on your Manulife One account. With either card, we’ll waive your Manulife One monthly fee for the first 12 months. With the ManulifeMONEY+™ Visa Infinite* cash back card, we’ll continue to waive your Manulife One monthly fee when you spend $20,000 or more on your credit card each year.

Choose the card that best meets your needs:

To apply, call 1-844-859-4516


Renew your term sub-account

Your term sub-account can help protect you from interest rate increases and keep you on track as you pay down your debt. If your term sub-account is up for renewal, think about what's most important to you.

For short-term flexibility – which you may need if you’re planning to move to a new home, or you expect your income level to change – consider a shorter term:

  • Fixed: 1-year open
  • Fixed: 1-year closed
  • Fixed: 2-year closed
  • Fixed: 3-year closed

For long-term predictability – if you plan to stick to a disciplined payment schedule over several years – consider a longer term:

  • Fixed: 3-year closed
  • Fixed: 4-year closed
  • Fixed: 5-year closed
  • Fixed: 7-year closed
  • Fixed: 10-year closed

Ready to renew?

Fill out our online form.


Download our mobile banking app

Snap a picture to deposit a cheque. Request a mortgage increase from a café. Your bank is in your pocket.

Find the closest ABM

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Manulife One testimonials

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We will mail your access card to you within one week of approving and funding your mortgage.

Call 1-877-765-2265 and follow the instructions. We will ask you to enter your access card number and provide two pieces of personal information (e.g., your postal code and birth date).

We will mail you a temporary PIN in a separate envelope from your access card. You can use this temporary PIN at ABMs and to make retail purchases. To change your PIN, visit an ABM that accepts PIN changes.