Manulife Bank

There are some transactions that are charged directly by other institutions or require additional administrative support and are not covered by the regular monthly fee.

ITEM	FEE
Access Card use outside Canada	$2.50 cash withdrawal (ABMs) $0.50 debit card purchase
ABM covenience fee	Varies and is charged at source by independent operators and most major banks.
Interac^® e-Transfer¹	1 free transaction per month $1.25 per subsequent transaction
Duplicate statement	$2.00 (mailed)
Foreign funds	$10.00 (to process cheque writen in foreign currency - excluding travellers’ cheques) $10.00 (returned foreign deposit)
NSF item processing	$45.00 (if returned) $5.00 (if paid - overdraft interest applies)
Official cheques	$6.00 (customer request)
Outgoing cheque collection	$50.00
Overdraft interest rate	21% (per annum rate, calculated monthly on daily closing balances in excess of maximum account limit)
Personalized cheques	First 25 are free of charge. Re-order cost depends on quantity selected.
Searches/Notices	$5.00 (items processed withinthe past 90 days) $10.00 (items processed more than 90 days ago) $15.00/hour (detailed recap of account transaction) $10.00 (confirmation of account/audit confirmation) $15.00 (bil payment investigation/refund)
Stop payments	$10.00
Transfers	No charge (client initiated) $5.00 (Manulife Bank initiated)
Using a non-MICR encoded cheque (e.g., photocopy)	$10.00
Wire transfer (other Bank charges may also apply)	$25.00 ($10,000 or less) $40.00 ($10,001 - 50,000) $50.00 ($50,001+) $10.00 (incoming wire transfer)

Service charges are subject to change with at least 30 days prior written notice. Clients who have chosen not to receive paper statements may find any changes posted online.
All fees presented on a per item basis, unless otherwise stated.
Charges are automatically applied to your account.

¹ Manulife Bank is a member of THE EXCHANGE® ABM Network. Deposits and no convenience fee withdrawals can be made at most of these ABMs. Unless you use THE EXCHANGE® ABMs in Canada, you may incur additional ABM convenience fees charged by many financial institutions.
² The indicated fee will be waived for accounts with a balance of $5,000 or more at the time of the transaction.
³ ® 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.

ITEM	FEE
Automated Bank Machine withdrawal¹	$1.25 in Canada $2.50 outside Canada
Access Card use (direct debit payment)	$0.50
ABM convenience fee	Varies and is charged at source by independent operators and most major banks.
Interac^® e-Transfer²	$1.25 (Send) No charge (Receive)
Bill payments	$0.50
Duplicate statement (mailed)	$2.00
Foreign funds	$10.00 (to process cheque writen in foreign currency - excluding travellers’ cheques) $10.00 (returned foreign deposit)
NSF item processing	$45.00 (if returned) $5.00 (if paid - overdraft interest applies)
Official cheques	$6.00 (customer request)
Outgoing cheque collection	$50.00
Overdraft interest rate	21% (per annum rate, calculated monthly on daily closing balances in excess of maximum account limit)
Personalized cheques	Cost depends on quantity selected
Searches/Notices	$5.00 (items processed withinthe past 90 days) $10.00 (items processed more than 90 days ago) $15.00/hour (detailed recap of account transaction) $10.00 (confirmation of account/audit confirmation) $15.00 (bill payment investigation/refund)
Stop payments	$10.00
Transfers	No charge (client initiated) $5.00 (Manulife Bank initiated)
Using a non-MICR encoded cheque (e.g., photocopy)	$10.00
Wire transfer (other Bank charges may also apply)	$25.00 ($10,000 or less) $40.00 ($10,001 - 50,000) $50.00 ($50,001+) $10.00 (incoming wire transfer)

Service charges are subject to change with at least 30 days prior written notice. Clients who have chosen not to receive paper statements may find any changes posted online.
All fees presented on a per item basis, unless otherwise stated.
Charges are automatically applied to your account.

¹ Manulife Bank is a member of THE EXCHANGE® ABM Network. Deposits and no convenience fee withdrawals can be made at most of these ABMs.
² Unless you use THE EXCHANGE® ABMs in Canada, you may incur additional ABM convenience fees charged by many financial institutions.
³ The indicated fee will be waived for accounts with a balance of $5,000 or more at the time of the transaction.
⁴ ® 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.

Your Manulife Bank Select account gives you easy access to your money. You also have several options when depositing money into your Select account.

	Deposit	Withdrawl
Automatic transactions	Have your income automatically deposited into your account.	Set-up pre-authorized payments.
Transfer funds	Transfer funds from another financial institution.	Transfer funds to another financial institution.
Bill payment features	Set up your Select account as a ”bill” at another financial institution to make regular deposits.	Use Internet and telephone banking to pay bills.
Royal Bank deposit slips	Make deposits at any branch of the Royal Bank with bank tellers. (Note: special deposit slips must be presented to a teller. Please do not use the night deposit box.)
Retailers		Make direct payment purchases at retailers. Use the “cash back” option at retail locations, when available.
Cheques	Mail in cheques to: Manulife Bank 500 King St. N. PO BOX 1602 STN WATERLOO Waterloo, Ontario Canada N2J 4C6	Write a cheque for purchases.
ABMs	Make deposits at almost all ABMs displaying THE EXCHANGE¹ logo.	Withdraw money at any ABM².

¹ THE EXCHANGE® and THE EXCHANGE & Design® are registered trademarks owned by Fiserv Inc., licensed for use in Canada by FICANEX Services Limited Partnership. Manulife Bank of Canada is an authorized user of the mark.
² Using THE EXCHANGE ABMs ensures you do not incur additional fees.

Manulife Bank Select rates and account fees