Manulife Bank

Manulife One offers you competitive interest rates and account fees.

For a low monthly fee of $16.95 ($9.95 for seniors age 60 and over), you get unlimited:

Deposits (Canadian funds)
Automated banking machine (ABM) deposits and withdrawals in Canada, where THE EXCHANGE^® Network logo is displayed.¹
Online, mobile and telephone banking services
Access-card purchases within Canada¹
Pre-authorized payments
Bill payments
Funds transfers
Cheque writing (Canadian funds)
Mail-in cheques (Canadian funds)

The monthly fee will be waived when there is a positive balance of $5,000 or more across the account at the end of each month.

View our current rates

View additional fees not covered by the monthly fee

Cost of borrowing

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

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.

¹ Other convenience fees may apply to withdrawals made at ABMs that are not part of THE EXCHANGE^® Network and direct-payment purchases using your Manulife Bank access card.

ADMINISTRATION FEE
Monthly fee (regular¹)	$14.00/month
Monthly fee (seniors²)	$7.00/month
DEPOSITS
Fund transfers	no charge
Interac^® e-Transfer³	no charge
Direct deposits	no charge
ABM deposits	no charge
Mail in cheque	no charge
WITHDRAWALS
Cheques	no charge
ABM withdrawals in Canada⁴	no charge
ABM withdrawals outside of Canada⁵	$2.50
Direct Payment -debit (outside Canada)	$0.50
Bill payments	no charge
Pre–authorized payments	no charge
Interac e-Transfer⁵
First Interac e-Transfer per month	no charge
Subsequent Interac e-Transfers	$1.25
Transfers
Client initiated	no charge
Manulife Bank initiated	$5.00
Wire transfers (other Bank charges may also apply)
$10,000 or less	$25.00
$10,001 - $50,000	$40.00
$50,001+	$50.00
Incoming wire transfer	$10.00
OTHER CHARGES
Statement
Monthly statement	no charge
Duplicate statement (mailed)	$2.00
Overdraft interest (calculated on daily closing balance, charged monthly)	21%/year
NSF item processing
If returned	$45.00
If paid (overdraft interest applies)	$5.00
Stop payment	$10.00
Official cheque (in lieu of certified cheque)	$6.00
Outgoing cheque collection	$50.00
Personalized cheques
Cheques can be ordered in quantities of 50 or 100. Pricing is available through Internet banking services. To order cheques or for a full list of product, visit Davis and Henderson’s website at www.dhltd.com or call 1-877-448-1294. Please note that, for security reasons, all first-time orders or requests for name and/or address changes must be processed through Manulife Bank. Please contact us.
Using a non-MICR encoded cheque (i.e. photocopy)	$10.00
Foreign funds
To process cheque written in foreign currency to your Canadian dollar account (excluding travellers’ cheques)	$10.00
Returned foreign deposit	$10.00
Searches / Notices
Search and photocopy an item within the past 90 days	$5.00
Search and photocopy an item processed more than 90 days ago	$10.00
Detailed recap of account transactions	$15.00/ hour
Confirmation of account/audit confirmation	$10.00
Bill payment investigation/refund	$15.00

	Deposit	Withdrawals
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	Mobile deposit Deposit cheques using the Manulife Bank Mobile app, simply by taking a picture. 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.

Manulife One rates and account fees.