Bank accounts

Are my login credentials for mobile banking and online banking the same?

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

Can both account-holders access e-statements?

If your account is jointly-held, your statement options will depend on what kind of account you have.

If you have a loan and have asked for separate disclosure, each of you can set your statement preference separately. For example, one of you may choose e-statements while the other chooses paper.

If you have any other kind of account, both account holders must choose the same option - either paper or e-statements. However, with e-statements, each account holder can set their own notification preference and enter their own email address. In this case, we'll send you each your own notification when your e-statement is ready.

Can I access the amount I deposit right away?

When you make a deposit to your account, there is generally a hold on the money to allow time for the money to get to your account. This means you will not be able to access some or all of your deposit for a period of time. The amount and duration of the hold depends on how you made your deposit.

If you make a deposit using the mobile banking app, you'll be able to access up to $100 of that deposit immediately. If the deposit was for less than $10,000, you'll be able to access the rest after three business days. If it was for $10,000 or more, you'll be able to access the rest after five business days.

For all other deposit types, you'll be able to access $100 the next business day. If the deposit was for $1,500 or less, the deposit will be on hold for 2-5 business days. If it was for more than $1,500, it will be on hold for 2-8 business days.

Note that if your account has been open for less than 30 days, the full amount of the deposit will be on hold for 5 at least business days.

Can I get both e-statements and paper statements?

Paper or electronic statements? The choice is yours - but you will need to make a choice. If you've chosen e-statements, we won't also send you a paper statement. The good news is, if you've chosen e-statements, you'll be able to print or save a copy of your statement while it's available online. Your e-statement will be available online for two years from the statement date.

Can I send money to someone outside Canada?

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

Can I set up a pre-authorized cheque (PAC)?

  • Setting up an automatic, recurring deposit (sometimes known as a Pre-Authorized Cheque, or PAC) is a great way to increase your savings or pay down your debt more quickly.
  • You can set up automated transfers from another account by using the Future Transfers feature in your online banking or in the mobile app.
  • If you want to transfer money from an external account and haven't yet linked it to your Manulife Bank account, you can use the Link External Accounts function to do so.

Can I use ABMs outside Canada?

You can use ABMs outside Canada when you see the Accel or Maestro symbol. There are fees for transactions outside Canada.

Do you have any promotions?

Great question! Visit manulifebank.ca for information on any current promotions.

How can I avoid fees?

We want to help you make your money work harder - and reducing fees can be part of the solution. There are a couple of ways you can do this:

If you have an Advantage Account, your day to day banking fees will be waived when you have a balance of $1,000 or more.

If you have a Manulife One or Manulife Bank Select account, we'll waive your monthly fee when your account has a positive balance of $5,000 or more.

How can I find a copy of a cheque?

You can request a copy of a cheque by calling us at 1-877-765-2265. Note that a fee may apply.

How do I activate my card?

Activating your ManulifeBank card is easy: just call 1-877-765-2265 and follow the instructions.

To activate your ManulifeMONEY+™ Visa* card, give us a call at 1-844-323-7053.

How do I add a bill payee?

It's easy to add a bill payee from your online account. Just select "Add a Payee", and follow the steps to get set up.

If you're trying to add a bill payee and can't find the name of the company, try a less specific search. For example, instead of searching for "HBC", try "Hudson's Bay Company."

If you're still unable to find the payee, submit a request to suggest a new payee be added to the list and we'll do our best to get it added.

Unfortunately, there may be some payees that we can't add due to technical limitations.

How do I add or remove a joint owner on my account?

For your mortgage, including Manulife One, You can update the account owner details inside our mobile app by going to the More menu, selecting "More Bank Services", then "Update account holder details." Submit your request there, and we'll take it from there. Alternatively, give us a call 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.

To update an authorized user on your ManulifeMONEY+™ Visa* card please give us a call at 1-844-323-7053.

If you need to update account holder details for any other products please call us at 1-877-765-2265.

How do I change my name on my account?

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.

How do I change my online or mobile banking password?

There are two ways to change your password: in your online account, or in our mobile app.

To change your password from your online account, select 'Change password' under the 'My profile' section, and follow the steps.

To change your password in our mobile app, tap "More" from the home screen, then "My profile & settings", then "Change password".

Note that if you have a ManulifeMONEY+™ Visa* card, you'll need to change that password separately. To do so, please log into our credit card website.

How do I change my pin?

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 ABM. If you've forgotten your PIN, call 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.

How do I change my security questions?

To change your security questions, log into your account and select "Change Security Questions" under "My Profile". You can also change your security question in your mobile app.

How do I change the amount of a scheduled transfer?

If you want to make a change to a scheduled transfer or Interac® e-Transfer, you'll need to cancel the transfer and set up a new one. This can be done from the View Future Transactions page in your online account, or the Transfers page in the Manulife Bank mobile app.

How do I check the status of a transfer?

You can easily check the status of a transfer by selecting the associated account from the Accounts page and reviewing your transaction history. If you see the transaction listed - your transfer is complete.

If you don't see the transaction you're looking for, check out the View Future Transactions or Interac® e-Transfers in your online account, or the Transfers page on our mobile app to see future transfers and Interac® e-Transfers that haven't yet been completed.

How do I close my account?

To close a ManulifeMONEY+™ Visa* account, please call us at 1-844-323-7053. To close all other bank accounts, please call us at 1-877-765-2265.

How do I delete a bill payee?

You can delete a bill payee right from your online account, or in our mobile app.

In your online account, simply select 'Delete a payee' from the 'Pay bills' section, select the payee that you want to remove, then hit 'Delete payee' and confirm when the popup appears.

In the mobile app, tap the payee you want to delete followed by the trash can icon in the top right corner. Finish it off by selecting 'Delete' when the confirmation message displays.

If you delete a bill payee by mistake, don’t worry, you can always re-add it.

How do I deposit money into my account?

There are lots of ways to deposit money into your account:

  • Set up a direct deposit so your paycheque goes directly into your account
  • Deposit a cheque using our mobile banking app by simply taking a picture
  • Visit an ABM – find a Manulife Bank or THE EXCHANGE® Network ABM that accepts deposits
  • Set up either a recurring money transfer or bill payment from another Canadian bank or credit union
  • Set up Interac® e-Transfers to deposit directly into your account
  • Send cheques by mail to Manulife Bank, 500 King Street North, PO Box 1602, Waterloo, ON, N2J 4C6

Visit an Manulife Bank branch and give the teller one of your Manulife Bank deposit slips

How do I direct deposit my income into my account?

To set up direct deposit, log into your online account and choose “print a void cheque” in the main menu. Then, give the void cheque and this direct deposit form to your payroll manager.

How do I exchange money?

Unfortunately, Manulife Bank does not have the ability to 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 cheque in a foreign currency, you can mail or courier it to Manulife Bank. We'll convert it to Canadian dollars at the exchange rate in effect on the date it's received, and deposit it to your account. Please do not make foreign-currency deposits at an ABM.

If you have a US dollar Advantage Account, you can transfer money to and from another US dollar account in the same name, at a Canadian Financial Institution. If you have a US dollar cheque, you can mail or courier it to Manulife Bank, and we can deposit it to your US dollar account.

How do I get a certified cheque?

There are two ways to get an official (also known as certified) cheque:

1. Call us toll-free at 1-877-765-2265, Monday to Friday, 8 a.m. to 8 p.m., or between 9 a.m. and 5 p.m. on the weekends, across all local Canadian time zones. If our toll-free number isn't available in your location, call us collect at 1-519-747-7000, Monday to Friday between 8 a.m. and 5 p.m. EST.

2. You can also order official cheques through our mobile app, available on iOS and Android devices.

How do I get a copy of my statement?

To view statements online, you'll need to set your statement preference to e-statements. If you've already done so, sign into online banking then select View Statements from the left-hand menu.

How do I get a void cheque?

You can get a void cheque from your online account. Once you've logged into your account, look for "Print a void cheque" under "Account Services."

How do I order cheques?

If you're ordering cheques for the first time on this account, or if your name or address has changed since the last cheque order, please give us a call at 1-877-765-2265.

Otherwise, you can order cheques from within your online account or from our mobile app.

How do I order more deposit slips?

There are a couple of ways you can get new deposit slips:

You can order new slips by email. Before you do this, first ensure the contact information we have for you has your current email address. Then, email us at mybank@manulife.com with your account number and shipping address. If the account is joint, please also provide us with your name so we know who we're shipping it to.

You can also order deposit slips by calling us at 1-877-765-2265.

How do I order new cards?

If you need a new card, we can help. For a new bank card, call us at 1-877-765-2265. If you need a new ManulifeMONEY+™ Visa* credit card, call us at 1-844-323-7053.

How do I pay my bills?

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. It's a good idea to schedule a bill paymentforthreetofivedaysbeforetheduedate, since some companies take longer to process payments.

Regardless of when you're making your payment, make sure you've got enough money in your account on the day of the bill payment. If your account doesn't have enough money to cover the bill, the payment won't be processed.

How do I select e-statements?

Switching to e-statements is a great way to reduce your impact on the environment. To make the switch, log into online banking, choose View Statements from the left-hand menu, then, select Statement Preferences.

How do I send a wire transfer?

If you want to send a wire transfer to a Manulife Bank account or let us know about an incoming wire transfer, please call us at 1-877-765-2265. To get the status of an incoming wire transfer, you'll need to contact the institution the money is coming from.

If you want to send a Canadian Dollar wire transfer to another Financial Institution in Canada, you can request that through the Transfers page.

Note that there will be a fee for wire transfers.

How do I send an Interac® e-transfer?

You can send and receive Interac® e-Transfers from your online account and our mobile app.

In your online account, go to 'Interac® e-Transfers' and select an existing recipient or add a new person, then follow the steps to send a transfer.

In our mobile app, go to the Transfers page, and follow the steps to send money.

From these pages, you can also transfer money between your accounts and even request a wire transfer.

How do I set up pre-authorized payments?

To set up pre-authorized payments so you never forget to pay a bill, contact the company you want to pay. They will ask you for a void cheque. To get one, log into online banking and choose “print a void cheque” in the main menu. You can use our pre-authorized payment tracker to keep track of your requests.

How do I set up tap on my card?

With tap and pay, also known as Interac Flash®, you can make purchases up to $100 by tapping your card, rather than inserting your card into a payment machine and entering your PIN.

To activate this feature, you must first complete a transaction using your chip and PIN at a point of sale terminal or an ABM. Once you reach $200 in contactless payments, you'll have to insert your card and input your PIN to continue making contactless payments.

How do I stop a bill payment?

You can stop either one payment or a series of future bill payments. Simply select the payment you want to cancel and then tap the garbage can icon. You'll be asked to confirm by selecting 'Stop'.

One thing to keep in mind: when you cancel one upcoming payment in a series, the entire series will be deleted.

How do I stop a transfer?

It's easy to cancel an upcoming transfer. Just visit the View Future Transactions in your online account or the Transfers page on our mobile app. You can also cancel Interac® e-Transfers, as long as your recipient hasn't deposited the money yet.

Keep in mind that, when you cancel an upcoming transfer that's part of a series of transfers, the entire series will be cancelled. The good news is, you can set up a new transfer or series of transfers from this page too.

How do I transfer money between my Manulife Bank accounts?

You can transfer money between your accounts using the Transfers page of your online account or in the mobile app. You can also link your bank accounts at other Financial Institutions, send and receive Interac® e-Transfers and even request a wire transfer.

How do I transfer money from or to another account?

To set up a money transfer link between your accounts, print, complete, sign, and send us this funds transfer agreement. Now you can transfer funds whenever you choose using online, mobile, or telephone banking.

  • Learn how to transfer money using online banking
  • Learn how to transfer money using mobile banking

How do I unlock my card?

To unlock your bank card, give us a call at 1-877-765-2265.

If you need help with your ManulifeMONEY+™ Visa* card, please call us at 1-844-323-7053.

How do I unsubscribe to your emails?

Promotional emails or messages that we send you will include an opt-out option - typically at the bottom of the page. Simply click on that link and you'll be automatically unsubscribed from receiving any further promotional emails or messages.

Keep in mind that there are some business-related messages or emails specific to your account that we are obligated to send you. These may include things like account statements, account information or updates and tax receipts. If you need more information, please call us at 1-877-765-2265.

How do I update my contact information?

Great question! It's definitely important to keep your most current contact information on file.

If you have a ManulifeMONEY+™ Visa*, you can update your phone number and email address by signing into your account. If you need to update your address, please call us at 1-844-323-7053.

For all other products, you can edit your contact information right in our app. The only exception is if you have a mortgage and need to update your address. In that case, please call us at 1-877-765-2265.

If you have both a ManulifeMONEY+™ Visa* and another Manulife Bank product, you'll need to update your contact information for both.

How do I view images of my cheques?

Viewing cheque images is not currently available, but it's coming in the future - so stay tuned. Until then, we suggest taking a photo of your cheque before depositing them.

How long will it take to receive my card?

We want to get you your card as soon as possible so you can start banking with us.

If you applied for a ManulifeMONEY+™ Visa* card, you should receive your card in 7 to 15 business days. If you haven't received your card after 20 business days, please give us a call at 1-844-323-7053.

For all other Manulife Bank accounts, you should receive your card within 10 business days. If it's been longer than two weeks since you applied, give us a call at 1-877-765-2265.

How long will my e-statements be available online?

Your e-statements will be available online for two years from the statement date, and you can find them in your online banking account, though they aren't currently available in our mobile app.

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

How will I know if my wire-transfer request has been processed?

Once a wire transfer has been completed, it will appear in your transaction history for the account you're sending the wire from. If you submitted your wire transfer request before 1:30 p.m. EST on a business day, it will be processed the same day. If you submitted your request after 1:30 p.m., or on a weekend or holiday, it will be processed the next business day. If there are any problems with your wire transfer, we'll contact you. You may wish to make sure your contact information is up to date.

I don’t recognize a charge on my account. What should I do?

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.

I lost my bank card. What should I do?

It's no fun to lose your card, but we can help. If your card has been lost or stolen, give us a call and we can cancel your existing card, issue you a new one and investigate any unauthorized transactions.

If you've lost your ManulifeBank card, call us at 1-877-765-2265. 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).

I set up my recurring bill payment, but the bill wasn't paid this month. What happened?

The most common reason why automatic bill payments don't get paid is that there wasn't enough money in the payment account. If you don't enough money in your account today, you may need to transfer money into your bank account and pay the bill manually - but just for this month. The automatic transfers will continue as planned going forward.

If someone has passed away, what do I do?

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.

Is there a limit on how much I can pay toward a bill?

The limit for a bill payment from your account is $50,000.

Should I inform you of an upcoming trip?

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 mybank@manulife.com

Phone: Give us a call at 1-877-765-2265.

Have a great trip!

What are your call centre hours?

We're here for you every day of the year - including holidays. You can reach us toll-free within North America at 1-877-765-2265 Monday to Friday between 8 a.m. and 8 p.m., and Saturday and Sunday between 9 a.m. and 5 p.m., across all local time zones.

If you're outside of North America, please call us collect at 1-519-747-7000 Monday to Friday, between 8 a.m. and 5 p.m. EST.

If you'd like to speak to someone about your ManulifeMONEY+™ Visa* card, please call us toll-free at 1-844-323-7053. Or, if the toll-free number isn't available in your area, please call us collect at 1-416-852-0703. Both numbers are available 24/7.

What fees are there for my account?

Different accounts and transactions have different fees,but the good news is that, lots of times, there are no fees at all!

To get the most up-to-date fee information, please visit our Services and Fees page.

What is a Business Advantage account?

Putting your business' extra cash in a Business Advantage Account is a great way to keep your money working for you.

To open an account, you'll need to meet with your advisor. If you don't have an advisor, find one here or email us at mybank@manulife.com with your request and your postal code and we'll help you find an advisor in your area.

Learn more about our business bank accounts.

What is a Manulife Advantage account?

Our Advantage account is a fully functional chequing account that pays you a great rate of interest on every dollar in your account. Better still, we'll waive fees for daily-banking transactions when your balance is at least $1,000. Whether you use it as a chequing account, a savings account, or both - it's just a great way to bank.

Learn more and open an Advantage account at manulifebank.ca/advantage, and if you have any questions, give us a call at 1-877-765-2265 or speak to your advisor.

What is a pre-authorized debit form?

A pre-authorized debit (PAD) form can be used to allow a company to take a payment directly from your account. The form would include your branch, transit number, and account number - and can be used as a substitute for a void cheque. You can view and print a void cheque for your account through online banking.

What is my branch number?

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 void cheque, you can print one off from the left-hand menu after you've logged into our online banking site.

What is my daily ABM withdrawal limit?

Here are the default daily limits for different transaction types:

• ABM withdrawal: $1,200/day
• Point of Sale (POS) transactions: $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.

What is my daily point-of-sale purchase limit?

You can make up to $3,000 of retail store purchases with your card each day. Happy shopping!

What is the customer service number?

You can call us toll-free at 1-877-765-2265 Monday to Friday, from 8 a.m. to 8 p.m., Saturday and Sunday, from 9 a.m. to 5 p.m., in all Canadian time zones. If you're outside of North America or if our toll-free number isn't working for you, call us collect at 1-519-747-7000 Monday to Friday, 8 a.m. to 5 p.m. Eastern Time.

If you're calling about your ManulifeMONEY+™ Visa* card, call us toll-free at 1-844-323-7053. If the toll-free number isn't available in your area, please call us collect at 416-852-0703. Both numbers are available 24/7.

What is the US$ Advantage account?

Our US Dollar Advantage Account is a great place to earn interest on your US cash for your next trip south of the border.

To open a US Dollar Advantage Account, you'll need to speak to your advisor. If you don't have an advisor, find one here or email us at mybank@manulife.com with your request and your postal code and we'll help you find an advisor in your area.

Learn more here, or give us a call 1-877-765-2265.

What kind of cheques can I deposit?

You can deposit most types of cheques using our ABMs or mobile deposit, but there are some requirements to keep in mind:
• The cheque must be payable to you
• It must be in Canadian currency and issued by a Canadian financial institution.
• It can't be dated for more than six months in the past.
• It can't have a date in the future - in this case, you'll need to hang onto the cheque until that date rolls around. Or, you can send it to us by mail and we'll deposit it on the date showing on the cheque.
• The cheque must be one of the following types: Personal, Business, Certified, Money Order, Government, Convenience, Counter.

If you have a cheque for a foreign currency, mail it to the address below, and we'll deposit it for you:
Manulife Bank of Canada
500 King Street North
Suite 500-MA
P.O. Box 1602 STN Waterloo
Waterloo, ON N2J 4C6

When will my bill payment be made?

When you make a bill payment, the money will be withdrawn from your account right away.
 
If you're scheduling a bill payment for a future date, the money will be withdrawn from your account on the scheduled date. The money needs to be in your account the day before the payment is scheduled.

It can take up to 3 days to process bill payments, so you should make bill payments at least 3 days before the due date to make sure it's made on time.

When will my tax slips be delivered?

Depending on the type of account you have, you'll receive your tax statement through Canada Post sometime between January and March of each year.

If you've registered for e-statements, your tax statement will be posted online once it's available. Otherwise, we'll send your statement to you each year before tax season. If you didn't receive yours, we'd be happy to send a duplicate.

Before requesting a duplicate, please verify your Contact Information on file has your current email address, then email mybank@manulife.com with your request. Don't forget to include your account number.

You can also call us at 1-877-765-2265, and we can take your request over the phone.

Where can I find a Manulife Bank ABM?

As a Manulife Bank customer, you have fee-free access to more than 3,500 ABMs across Canada that are part of THE EXCHANGE® Network. Use our ABM locator to find the one that's closest to you. You'll be able to see within the ABM locator which of these machines accept deposits and which are withdrawal-only.

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

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

Find a Manulife Bank or THE EXCHANGE® Network ABM

Find ABMs on the go with our mobile banking app

Where do I find your forms?

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.

Where do I send forms?

There are lots of ways you can get a form to us - just pick the one that's easiest for you:

1. Upload the form through online banking at manulifebank.ca, or, if you're linking your Manulife Bank account to another account with Funds Transfer Agreement, you can use our mobile app.

2. Email it to us at mybank@manulife.com

3. Fax it to us at 1-866-840-6425.

4. Mail the form to:

Manulife Bank of Canada
500 King Street North
PO BOX 1602 STN WATERLOO
Waterloo ON N2J 4C6

Where is your nearest branch?

At Manulife Bank, we prefer to focus on helping you build your savings instead of building branches. But, you can access more than 3,700 ABMs across Canada that are part of THE EXCHANGE® Network. Use the ABM locator to find the nearest bank machine.

Why are my funds are on hold?

Like all banks, we may put a temporary hold on a portion of your money if you've recently made a large deposit or if your account is quite new. This allows us to confirm the money has arrived in your account before it is withdrawn.

To have a current hold reviewed, please call us at 1-877-765-2265, or send an email with your current email, name, and account number to mybank@manulife.com.

Why can't I find a bill payee?

If you're trying to add a bill payee and can't find the name of the company, try a less specific search. For example, instead of searching for "HBC", try "Hudson's Bay Company."

If you're still unable to find the payee, submit a request to suggest a new payee be added to the list and we'll do our best to get it added.

Unfortunately, there may be some payees that we can't add due to technical limitations.

Why can’t I see some transactions in my history?

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.

Why don't I see a deposit I made earlier today?

When making deposits via our mobile app or an ABM, there is a daily cut off time. If you made the deposit after 4 p.m. EST and don't see it now, it will show up on the next business day. Rest assured, your money is there.