Pay per transaction

Pay per transaction (Effective December 8, 2014)

This option includes unlimited monthly:

  • Cheque writing
  • Mail-in cheques
  • Canadian dollar deposits
  • Automated Banking Machine (ABM) deposits at ABMs bearing THE EXCHANGE® logo across Canada1.
  • Fund transfers and pre-authorized payments
  • Internet and telephone banking services

The following everyday transaction fees are waived for accounts with a balance of $5,000 or more at the time of the transaction:

  • Automated Bank Machine transactions
  • Interac® Direct payments
  • Interac® e-Transfer
  • Bill payments

Service charges



Automated Bank Machine withdrawal2,3

$1.25 in Canada

$2.50 outside Canada

Access Card use (direct debit payment)3


ABM convenience fee

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

Interac® e-Transfer3,4

$1.25 (send)
No charge (receive)

Bill payments3


Duplicate statement (mailed)


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


Overdraft interest rate

21% (per annum rate, calculated monthly on daily closing balances below $0.00)

Personalized cheques

Cost depends on quantity selected


$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 transactions)

$10.00 (confirmation of account/audit confirmation)

$15.00 (bill payment investigation/refund)

Stop payments



No charge (client initiated)

$5.00 (Manulife Bank initiated)

Using a non-MICR encoded cheque (e.g. photocopy)


Wire transfers (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.

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