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Monthly fee with unlimited transactions

Monthly fee with unlimited transactions (Effective December 8, 2014)

Monthly fee: $14 (Clients age 60+: $7)

This fee includes unlimited monthly:

  • Direct deposits (Canadian funds).
  • Automated Banking Machine (ABM) deposits and withdrawals at ABMs bearing THE EXCHANGE® logo within Canada1.
  • Internet and telephone banking.
  • Debit card purchases within Canada.
  • Fund transfers.
  • Pre-authorized payments.
  • Bill payments.
  • Cheque writing (Canadian funds).
  • Mail-in cheques (Canadian funds).

The monthly fee is waived for accounts with a balance of $5,000 or more at the end of the month.

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 Canada2

$2.50 cash withdrawal (ABMs)
$0.50 debit card purchase

ABM convenience fee

Varies and is charged at source by independent operators and most major banks.

Interac® e-Transfer2,3

1 free transaction per month
$1.25 per subsequent transaction

Duplicate statement (mailed)

$2.00

Foreign funds

$10.00 (to process cheque written 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 within the 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. 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.

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