Frequently asked questions

The quickest and most secure way to send documents to us is to upload them from within your online banking. You simply log in, select Products & Services and then Upload document. You will select the type of document and then browse your files to find the document you need to send us.

Your Payee already has the money. You will need to call them to initiate a refund request. If you can't reach your Payee, you can call us and we will file a bill payment refund request on your behalf. These requests may take up to 12 weeks.

If the incoming deposit doesn't reject back to the payee automatically (due to your account being closed), then you will need to contact the Payee to initiate a refund request.

If it has been 3 Business days, and you've already confirmed you paid the correct account, call our Contact Centre with all the payment details. We can initiate a Trace request to see what happened to your payment. 

Your Biller already has the money. For the best results, you should call them to initiate a refund request. If you can't reach your Biller, you can call us and we will request a full refund on your behalf. These request may take up to 12 weeks.

Yes. When joint bank account holders choose e-statements, both people will be able to access them.

When you deposit money into your account, there’s generally a hold on the money to allow time for the money to get to your account. This means you can’t access some or all of your deposit right away. The amount and duration of the hold depends on the type of deposit you make:

There are a few reasons where the maximum hold limits listed above may be extended:

• Your account is less than 90 days old
• A cheque you deposited has already been deposited somewhere else
• The date on a cheque you deposited is more than six months ago
• Cases where we believe there may be illegal, fraudulent, or improper account activity
  

We can also accept deposits from you on a ‘collection-only basis’. This means that the money will show up in your account after we get payment from the other bank or financial institution you’re sending it from.

Unless your account is newer than 90 days old, you should be able to use up to $100 of your deposit the next business day. To confirm, check the Available balance for your account.

Note: we can’t accept cheques from foreign banks. Instead, ask the sender to wire the transfer to your Manulife Bank account.

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

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.

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 ATM. If you've forgotten your PIN, you can reset your PIN through our mobile application available on iOS or Android or by calling 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.

To close your bank accounts, please contact us via Live Chat within the mobile app or call 1-877-765-265.

There are lots of ways you can withdraw money:

• Deposit or withdraw cash at thousands of ATMs across Canada
• Send and receive money using Interac e-Transfer
• Make Interac^® Debit purchases across Canada
• In-store cash back at participating retailers
• Transfer money to or from your accounts at other Canadian banks
• Make bill payments
• Make pre-authorized payments
• Deposit or write cheques
• Send or receive wire transfers

Before we can open any new account, Manulife Bank must verify you are who you say you are.  Not only does verifying your identity enable us to process your application, but it also helps protect you from fraud.  During the application process, we’ll ask you to have the following information ready:

• A valid email address or your existing Manulife ID login credentials
• Your Social Insurance Number (SIN)
• A government issued Photo ID or your digital banking credentials with another major Canadian financial institution (we can securely verify your identity by having you sign into your account at another financial institution)

We’re required by law to ask for your Social Insurance Number (SIN) when you open a savings account or Registered Savings Plan such as RSP, TFSA, etc.  Manulife Bank is required to report deposits, withdrawals and the amount of annual interest you earn to the Canada Revenue Agency (CRA). 

Before we can open any new account, Manulife Bank must verify you are who you say you are.  Not only does verifying your identity enable us to process your application, but it also helps protect you from fraud.  At most, we’ll ask you to show two pieces of identification (ID) from two different sources. We may need just one. We may not need any at all if you already have another account here.

We accept different kinds of printed or electronic ID, depending on whether you apply in person at a representative’s office, by video conference, or online.

• Your best bet online: most times your identity is confirmed using a ‘soft’ credit bureau check, that doesn’t affect your credit score and isn’t visible to third parties. Our systems also offer real-time alternatives you may use to confirm your identity.
• Your best bet in person or by video conference: show one piece of valid, unexpired, Canadian photo ID, issued by the federal or a provincial government. (Not a health card if you live in a province where the law doesn’t allow health cards to be used for this purpose, including: ON, NS, NB, MB, PE, SK or YK.)

If you don’t have an established credit history, or a suitable government-issued photo ID, then we will ask you for two pieces of ID from two different sources. You’re bound to have statements, certificates, or bills from well-known and reliable sources that will help verify your name plus two out of three of these: your address, or your date of birth, or a financial account.

We’re required by law to ask for your Social Insurance Number (SIN) when you open a savings account or a Registered Retirement Savings Plan (RRSP), for example, which require us to report deposits and withdrawals or the amount of annual interest you earn to the Canada Revenue Agency (CRA).

Unfortunately, we can’t 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 US-dollar cheque from a Canadian bank or financial institution, there are two ways to deposit those cheques into your account:

• Send cheques by mail to Manulife Bank, 500 King Street North, PO Box 1602, Waterloo, ON, N2J 4C6
• Visit an RBC Royal Bank branch and give the teller one of your RBC Royal Bank deposit slips. Note, you can only deposit Canadian-dollar or US-dollar cheques from other Canadian banks at RBC branches.

If you have a US dollar Advantage Account, you can transfer money to and from your US dollar accounts at other Canadian financial institutions, or you can have US funds sent to your account via wire transfer.

To receive money from somebody in a different country, they can send you a wire transfer.

There are two ways to get an official cheque (you might know it as a bank draft or certified cheque):

You can order official cheques up to $50,000 through our mobile app. To order an official cheque for more than $50,000, you can contact us via Live Chat or call 1-877-765-2265.

Please refer to our wire transfer support page for all the details on sending and receiving wire transfers.

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.

You can retrieve e-statements as far back as 2015 through your online banking account, or in our mobile app.

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

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.

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 manulife_bank@manulife.ca
• Phone: give us a call at 1-877-765-2265.

Have a great trip!

If you’re travelling in the U.S., many gas stations require your zip code if you’re paying at the gas pump with your Manulife Bank debit card or ManulifeMONEY+^TM Visa* credit card. To get your ‘zip code’, take the 3 numbers from your Canadian postal code and add “00” to the end. For example, if your postal code is M4W 1E6, use “41600” when prompted to enter your zip code at the pump. Alternatively, you can pay the cashier inside the station.

If you try this and your card still doesn’t work, please call:

• 1-844-323-7053 for credit card issues
• 1-877-765-2265 for debit card issues

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 deposit form, you can download and print from online banking after you sign in.

1. Choose your account from the home page
2. Select Direct deposit form (PDF) under More.

Here are the default daily limits for different transaction types:

• ATM withdrawal: $1,200/day
• Point of sale/debit transactions, including in-store cash back: $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.

If you have a Canadian-dollar cheque from a Canadian bank or financial institution that’s made payable to you, you can deposit the following types of cheque using an ATM or mobile deposit:

• Personal
• Business
• Certified
• Money order
• Government
• Convenience
• Counter

If you have a US-dollar cheque from a Canadian bank or financial institution, there are two ways to deposit those cheques into your account:

• Send cheques by mail to Manulife Bank, 500 King Street North, PO Box 1602, Waterloo, ON, N2J 4C6
• Visit an RBC Royal Bank branch and give the teller one of your RBC Royal Bank deposit slips. Note, you can only deposit Canadian-dollar or US-dollar cheques from other Canadian banks at RBC branches. 

You can’t deposit cheques that are:

• Dated more than six months in the past
• Future-dated
• Not payable to you (the account holder)
• From a non-Canadian financial institution
  

Note: we can’t accept cheques from foreign banks. Instead, ask the sender to wire the transfer to your Manulife Bank account.

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.

If you made the deposit via our mobile app or at an ATM after 4 p.m. EST and don't see the deposit in your account, it will show up on the next business day. Rest assured, your money is there.

At Manulife Bank, we prefer to focus on helping you build your savings instead of building branches. But, you can access thousands of ATMs across Canada that are part of the THE EXCHANGE® Network, and you can get money when making a debit purchase with in-store cash back at participating retailers. To find the nearest bank machine, use our ATM locator.

For non-Quebec residents only

Your Minimum Payment will be $10 plus any interest and fees (not including the annual fee), plus any amount by which the new balance exceeds your credit limit, and any amount past due from the prior month.

For Quebec residents only, after August 1, 2019 (for accounts opened prior to June 10, 2019)

The greater of:

a) 2.50% of the new balance shown on your statement. “2.50%” will increase by 0.50% of the new balance shown on your statement, each 12-month period from August 1, 2019 until it reaches 5.00% as shown below:

2.50% to 3.00% (August 1, 2020)

3.00% to 3.50% (August 1, 2021)

3.50% to 4.00% (August 1, 2022)

4.00% to 4.50% (August 1, 2023)

4.50% to 5.00% (August 1, 2024)

or

b) $10

Your Minimum Payment will also include any amount by which the new balance exceeds your credit limit, and any amount past due from the prior month. 

For Quebec residents only, after August 1, 2019 (for accounts opened after June 10, 2019)

Your Minimum Payment will be the greater of: a) 5% of the new balance shown on your statement; or b) $10. Your Minimum Payment also includes any amount by which the new balance exceeds your credit limit, and any amount past due from the prior month.

For all clients and in all cases, if the new balance is less than $10, the balance is due in full. 

Yes, balance protection costs $0.99 for every $100 of the average daily balance, plus applicable taxes, whether or not you pay your balance in full.

When you make a purchase with your ManulifeMONEY+ Visa card, it's placed into a category for the purpose of determining how much cashback you earn on that purchase. To do this, we classify merchants using the industry-standard Merchant Classification Code (MCC) system. While this system is quite accurate, there may be some cases where the MCC may differ from one location to another within the same chain. The MCC may also change over time without notice.

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

Adding another user is a great way to earn even more cash-back rewards! You can add up to three authorized users. To add another user, simply give us a call at 1-844-323-7053, or when you call to activate your card.

Call us at 1-888-770-5953 to cancel. We’re available to help you Monday to Friday, 8 a.m. to 8 p.m. EST. If you cancel within the first 30 days, we’ll give you a full refund.

To change the name on your ManulifeMONEY+ Visa account, please call us at 1-844-323-7053.

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.

To change the PIN for your ManulifeMONEY+ Visa card, please give us a call at 1-844-323-7053.

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.

You can transfer a balance from another credit card to your ManulifeMONEY+ Visa card by giving us a call at 1-844-323-7053. When you call, you'll need to let us know the amount you want to transfer and have both cards handy. At that time, we'll also apply any promotional offers that are currently available.

Please note that, after transferring the balanced from your old card, you'll still be responsible for any subsequent charges you make to that card.

To request a limit increase for your ManulifeMONEY+ Visa, please call us at 1-844-323-7053.

If you need a new ManulifeMONEY+ Visa card, call us at 1-844-323-7053.

You can make a one-time payment or set up recurring, automatic payments for your ManulifeMONEY+ Visa account.

To make a one-time payment, use the pay bills feature on our mobile banking app.

To set up an automatic payment, you'll need to complete the ManulifeMONEY+ Visa Pre-Authorized Debit (PAD) Agreement and return it to us by fax or mail as indicated on the form. Remember to include a void cheque or your bank account information from your financial institution.

The first step in reducing your debt is looking for ways to reduce your debt - so good for you! Everybody's situation is different and there's no easy answer that works for everyone, but here are a few tips that might help:

First, look at your budget and make sure you're not spending more than you earn. You may need to cut back expenses so you have extra money to put towards your debt.

Once you've determined that you've got extra money in your budget, pay down the debt with the highest interest rate first. Often, this is your credit card. If you have a low-interest line of credit, like a Manulife One account, it might be a good idea to use that account to pay down your high-interest debt. That won't reduce your debt, but it will reduce the interest you're paying - and that can free up money to....you guessed it....pay off more debt.

If you'd like to learn about your options for reducing the debt, find a local advisor, and if you want to know more about reducing your Manulife One or Manulife Bank Select mortgage, give us a call at 1-877-765-2265 and we'd be happy to help.

It's frustrating when your card doesn't work, and we can help. If you need help with your ManulifeMONEY+ Visa card, call us at 1-844-323-7053.

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.

First, we add up your balances at the end of each day during the monthly statement period. We divide that total by the number of days to get the average daily balance. We divide the average daily balance by 100 and then multiply the result by $0.99. We add provincial sales tax where required.

Here’s a simple example:

Balance from Day 1 to Day 10: $1,000
Balance from Day 11 to Day 15: $0 (balance paid off)
Balance from Day 16 to Day 31: $1,100

Average daily balance
($1,000 x 10 days + $0 x 5 days + $1,100 x 16 days) / 31 days = $890.32

Premium
$890.32 / $100 x $0.99 = $8.81 + provincial sales tax where required

We charge your premium to your credit card on the statement date.

For ManulifeMONEY+ Visa cards, the interest calculation depends on the type of transactions:

• For cash advances, interest is charged beginning on the day the cash is withdrawn.
• For balance transfers and convenience cheques, interest is charged beginning on the day those transactions are posted to your account.
• For purchases, interest is not charged if you repay the full balance by the payment date indicated on your statement. If you don't pay the balance in full by the payment date, interest will be charged on each purchase from the transaction date. In this case, interest is calculated by multiplying your balance at the end of each day by the daily interest rate (this is your annual rate divided by the number of days in the year). Interest is calculated daily and added to your account monthly.

There are a number of factors that are used to determine your credit limit, including your income, your credit history, and other debts, lines of credit, or credit cards you have. To request an increase to your ManulifeMONEY+ Visa credit card, give us a call at 1-844-323-7053. Note that you'll need to wait six months after your account has been activated before requesting an increase.

That depends on how much you spend on your card – but cash back adds up fast.

For example, here's how much you can save in cash back with a ManulifeMONEY+ Visa Infinite card:

And here's how much you can save in cash back with a ManulifeMONEY+ Visa Platinum card:

Your ManulifeMONEY+ Visa cash back rewards are automatically redeemed four times a year. The money will be automatically posted to your account as Cash Back Rewards in March, June, September, and December. You'll see your rewards appear on your statement in the Transaction Details as a credit amount. Note that cash back rewards do not contribute to your minimum payment, but they do reduce your New Balance for that period.

You’ll receive your new card about 20 days before your current card expires. If you haven’t received your new card 10 days before your current card expires, call us at 1-844-323-7053.

It's no fun to lose your card, but we can help. 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), and we can cancel your existing card, issue a new one, and investigate any unauthorized transactions.

To activate your new card, follow the instructions that come with it. If you use your card for any subscription services, you may need to update your expiry date in those accounts. Other than that, you can use your card as you have been and get the same great cash back rewards!

Your interest rates won’t change if you miss making one minimum payment by the due date during any 12-month period. However, if you miss making two (or more) minimum payments by the due date during any 12-month period, your interest rates will increase – refer to the Summary of Rates and Fees for the current rates:

• ManulifeMONEY+ Visa Platinum rates and fees
• ManulifeMONEY+ Visa Infinite rates and fees

If you make the minimum payments by the due date for 12 months in a row, your interest rates will go back to the regular rates.

Sometimes in life, the unexpected happens. Illness, injury or unemployment may lower your income and that means you’ll have less money available to make credit card payments. Balance protection is an optional add-on that may make difficult times less stressful by helping you keep up with your payments, so you can concentrate on getting back on your feet. View the benefits of balance protection.

For any questions 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. You can speak to a representative 7 a.m. to 11 p.m. EST, 7 days a week, and our self-service phone system is available 24/7.

You can find a complete list of terms, conditions, limitations and exclusions in the Manulife Bank Balance Protection Certificate of Insurance. Some examples of exclusions include: 

• Job loss due to resignation or seasonal employment

Disability or critical illness diagnosed before your coverage starts

To keep your account safe, you should cut up your old card and dispose of it securely.

For the primary cardholder, coverage starts on the date Manulife receives your application. Coverage ends on whichever date comes first:

• The date you ask Manulife to cancel your coverage
• The date you turn age 70 (except life insurance coverage, which continues as long as you continue to pay premiums)
• The date Manulife cancels your credit card account or revokes your rights and privileges on the card
• The date of your death
• The date Manulife stops offering credit card balance protection through a group policy

For any spousal cardholder, coverage starts on the date you become a cardholder and ends on the date the primary cardholder’s coverage ends or on the date you no longer hold a valid Manulife Bank credit card.

For more details, please see the Balance Protection Certificate of Insurance.

If you're seeing interest charges on your credit card account even though you've paid your balance in full, it's likely that your payment wasn't received by the payment date showing on your statement. To avoid interest charges, you need to repay your balance in full no later than the payment date. Check out paragraph 10 of your ManulifeMONEY+ Visa Card cardholder agreement for more information.

At Manulife Bank, we're all about helping our customers become mortgage-free sooner. You've got a few options for paying down your mortgage more quickly, depending on what kind of mortgage debt you have.

If you have a Manulife One account:

• You can repay any debt in your Main account, a tracking sub-account, or an open term sub-account at any time, with no limits or penalties.
• If you have a closed term sub-account (e.g. a locked-in 5-year term), you can prepay up to 20% of the original balance each year without penalty.

If you have a Manulife Bank Select mortgage:

• If you have an open term, you can repay any amount at any time without penalty. You can also increase your regular payment by any amount once each year, without penalty.
• If you have a closed term, you can prepay up to 20% of the original amount and/or increase your regular payment by up to 25% each year, without penalty.

If you need more details about prepayment privileges, review your Operating Agreement or General Terms.

For your Manulife One or Manulife Bank Select, you can update the account owner details in our mobile app by going to the More menu, selecting More Bank Services, then Update account holder details. Submit your request, and we'll take it from there. Alternatively, you can call us 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.

Locking in some or all of your debt at a fixed rate might be a good option if you're concerned that variable interest rates are heading up.

If you have a Manulife One mortgage, sign into your account, click Open Sub Account from the menu on the left side of the screen, then follow the steps provided.

If you have a Manulife Bank Select mortgage, please send us an email at manulife_bank@manulife.ca with your request, the best time for us to reach you, and a mortgage specialist contact you.

Your options for changing the date you make your mortgage payment will depend on what kind of mortgage you have:

If you have a Manulife One account:

• If you have a closed-term sub-account, you can only make payments monthly, and your payment will be automatically taken from your Main Account on the last day of each month. Unfortunately, this can't be changed.
• For your Main Account, you can make payments (deposits) whenever you wish.

If you have another type of Manulife Bank mortgage:

• You can change your payment to be on whatever date you choose. We'll just need to get the details from you. First, confirm your contact information has your current email address on file. Then, email manulife_bank@manulife.ca with the details of your payment change and we'll be in touch to confirm.

If you have a Manulife One account, you can increase or decrease the amount you make into your Main account at any time, as long as you don't exceed your borrowing limit.

For Manulife One fixed-term sub-accounts and all other Manulife Bank mortgages, please give us a call at 1-877-765-2265. We'll let you know what your options are and, if possible, make the change for you.

At Manulife Bank, we pride ourselves on offering competitive rates.

If you'd like to review rate options on your Manulife Bank mortgage, please give us a call at 1-877-765-2265.

An advisor is a great resource to help you achieve your financial goals. Whether you're looking for a local advisor or mortgage specialist, we can help.

If you already have an advisor but have simply forgotten who that is, sign into online banking, click on your account number and you'll see your advisor's name.

Manulife One can help you become debt-free sooner than with a traditional mortgage. But for it to work, you need to ensure you're depositing more money into your account than you're withdrawing. One of the best ways to do this is to have your income automatically deposited into your account. That way, your income automatically reduces your debt as soon as you receive it. And the money you have left over at the end of the month can stay in your account, reducing your debt and saving you interest.

If you're having difficulty reducing your debt, you may also want to add some structure to your account. You can do this by putting part of your debt into a term sub-account. A term sub-account is a traditional mortgage that sits within your Manulife One account. It has regular, structured principal and interest payments just like a traditional mortgage - and this structure might make it easier for you to ensure you're paying down your debt over time.

You can set up a Term sub-account by signing into online banking and selecting "Open Sub Account".

Get more information about sub-accounts here.

There are lots of ways you can withdraw money from your Manulife One account:

• Deposit or withdraw cash at thousands of ATMs across Canada
• Send and receive money using Interac e-Transfer
• Make debit purchases across Canada
• In-store cash back at participating retailers
• Transfer money to or from your accounts at other Canadian banks
• Make bill payments
• Make pre-authorized payments
• Deposit or write cheques
• Send or receive wire transfers

Manulife Bank has two of fantastic mortgage options - Manulife One and Manulife Bank Select - and three ways you can apply:

1. Take 2 minutes to fill out this form, and a Manulife Bank mortgage specialist with be in touch within 2 business days.
2. Call us at 1-844-239-4677 Monday-Friday, 8 AM to 5 PM EST
3. Contact your Advisor or Mortgage Broker.

Learn more about our mortgage options.

Your mortgage is a big part of your financial life - and it's nice to be able to see your progress in paying it off. You can see how you're doing in your online account and the mobile app.

Just select your mortgage account from the Accounts page and then select Graph View. You'll see your progress over the last 30 days, but you can customize your view to see up to 1 year of activity.

If you have a Manulife One account, you can also see a graph of your progress on your monthly statement.

The Transfer page of our mobile app gives you lots of options for transferring money with your Manulife One account. You can transfer to and from an account in the same name at another institution or between Manulife Bank accounts.

You can also transfer money to and from sub-accounts within your Manulife One account. Note that these transfers go through your main account, so if you want to transfer from one sub-account to another you'll need to do two transfers:

1. From the first sub account to your main account
2. From your main account to the second sub-account

If you'd like to transfer ALL of the money out of your sub-account, use the Close Sub Account option.

If you'd like to transfer money into a fixed-term sub-account, you'll need to give us a call at 1-877-765-2265, as this is considered a principal payment.

Making a payment to your Manulife One account is easy. All you need to do is deposit money into your account. We encourage you to deposit your income into your Manulife One account so each time you get paid you automatically reduce your interest costs. Here are some other ways you can deposit money into your account:

• Direct deposit
• Fund transfers
• ATM deposits
• Interac e-Transfer

You can renew your Manulife Bank Select mortgage or Manulife One term sub-account up to 90 days before it matures.

• Learn about renewing your Manulife One sub-account
• Learn about renewing your Manulife Bank Select mortgage

For a Manulife One account, your minimum payment is the amount of interest you owe for that month. 

Once you've submitted a request for a mortgage increase, we'll contact you within two business days. At that time, we'll let you know if we need any additional information or documents.

When we have everything we need, it generally takes two to three weeks to approve and implement the increase.

There are a number of factors that determine how much you can afford to spend on a home. These include things like how much you’ve saved for a down payment, your household income and your monthly expenses. Use our mortgage affordability calculator to determine what amount of a mortgage that makes sense for you

If you've sent in a discharge request, you'll receive a discharge statement within the last five days before the closing date

It's difficult to predict if and when interest rates will increase. However, if you're concerned about how a rate increase might affect your budget, consider locking in your debt at a fixed rate. If you have a Manulife One account, you can put some or all of your variable-rate debt into a fixed-rate sub-account. This is like having a traditional mortgage within your Manulife One account. The rate for your sub-account will then be guaranteed for the length of the term you choose. You can find our terms and rates on our website. Call us at 1-877-765-2265 to speak to a Mortgage Specialist if you'd like to discuss this option.

Check out Today's Rates for the most up-to-date rate information.

When you request a mortgage increase, we may ask for the following documents - so it's good to have them handy:

• Notice of assessment
• Letter(s) of employment
• T1 general statement
• T4A statement

If you're not sure how to get these, don't worry. A lending specialist will let you know what documents we need and can help you determine how to get them.

If you've exceed the borrowing limit for your Manulife One account, please make a deposit to your account to bring your debt below your limit as soon as possible.

If you're experiencing financial difficulties and are not able to do so, please contact us at 1-877-765-2265 so we can discuss your situation.

Sub-accounts are a feature of your Manulife One account that allow you to divide your debt into different portions. You may wish to set up a sub-account to lock-in a rate, add some structure to your payments or just track a portion of your debt separately. Learn more about sub-accounts here. 

Manulife One is an all-in-one banking solution that combines your mortgage with your chequing and savings accounts, lines of credit and even your income to save you money and help you become debt-free sooner. Learn more about the Manulife One mortgage.

You may have heard the terms "readvanceable" and "non-readvanceable" with regards to Manulife One sub-accounts. A sub-account is simply a way of splitting off a portion of your Manulife One debt and treating it like a traditional mortgage.

If a sub-account is readvanceable, it means that as you pay it down, it creates borrowing room in your Main account. For example, if you have $10 of borrowing room in your Main account, and then you repay $1 of your sub-account, you will now have $11 of borrowing room in your Main account. 

If a sub-account is non-readvanceable, it means that as you pay it down, it DOESN'T create borrowing room in your main account. Using the same example, if you pay down $1 of your sub-account, you'll still have $10 of borrowing room in your main account. There's no additional borrowing room created.

If your Manulife One borrowing limit is more than 65% of the value of your home, any debt over 65% must be put into a non-readvanceable sub-account.

Your mortgage payments are based on several factors. These include:

• your interest rate
• whether you choose a fixed or variable rate mortgage
• the amount you borrow
• your payment frequency
• your term
• your amortization period

Use our payment calculator to help estimate what your payments will be.

To set up direct deposit, give your employer your direct deposit form, which you can download and print from online banking after you sign in.

1. Choose your account from the home page
2. Select Direct deposit form (PDF) under More.

You can always see how much interest you’ve paid in your monthly Manulife One statement. Come tax time, your December statement will list the total interest paid that year.

If you're thinking about discharging your mortgage because you're not happy with your current mortgage or you've been offered a better rate elsewhere, please give us a call at 1-855-682-5979, ext. 143406. We'd love to see if we can address your concern or review your current rate.

If you're selling your property and will need a new mortgage, please contact us at 1-877-765-2265 and we'll be happy to assist you with the switch.

If you're selling your property and not buying a new property, please ask your lawyer to fax the discharge request to 1-866-711-1986.

Mortgage protection insurance is optional life insurance that can help protect you and your family by covering your debt and ensuring your mortgage payments are made, if the unexpected happens. 

This insurance can cover you for Life only or Life with Disability and Job Loss.

Manulife One mortgage protection insurance that is available to Manulife One account holder. Manulife Bank Select mortgage protection insurance is available to Manulife Select Account holders.

You must be between 18 and 64 years of age and be a resident of Canada for income-tax purposes, in accordance with Income Tax Folio S5-F1-C1.

You can apply by completing the application attached to your Mortgage operating agreement provided by our Retain Lending Specialist.

Alternatively, request an application by calling 1-877-765-2265. We’re available from 8 a.m. to 8 p.m. Monday to Friday, 9 a.m. to 5 p.m. Saturday and Sunday.

After you apply your application will be processed and a representative of Manulife will call you to gather health information. This will be a 15 to 20-minute interview over the phone. Then, an underwriter will review your file and send confirmation by mail.

Please review the Manulife One mortgage protection insurance distribution guide.

Please review the Manulife Bank Select mortgage protection insurance distribution guide.

Once your application is approved, you will receive certificate of insurance in the mail outlining the details of your insurance coverage. Your effective date of coverage will be the later of the date Manulife receives your written application and the first full premium payment, subject to underwriting approval.

The Life insurance coverage continues to age 70 and the Disability with job-loss coverage continues to age 65, provided premium are paid when due. 

Please review the Manulife One mortgage protection insurance distribution guide.

Please review the Manulife Bank Select mortgage protection insurance distribution guide.

As a Manulife One account holder, you must be actively employed and working at least 25 hours per week. If you are self-employed, you may qualify for disability insurance; however, you would not qualify for job-loss insurance.

As a Manulife Bank Select account holder, you must be actively employed and working at least 25 hours per week. 

Mortgage protection insurance is available for eligible joint account holders. Joint insurance premiums are based on the age of the oldest borrower.

Yes, if you choose to increase your borrowing limit from an amount of $250,000 or less to an amount greater than $250,000, you will need to submit a new application to have your policy cover the portion of your debt exceeding $250,000. If your application for additional coverage is denied, the amount you’re insured for will remain unchanged. If you’re interested in applying for additional coverage, contact us at 1-866-388-7095.

No life benefit will be paid if your death results from:

• A condition that existed six months prior to the effective date of coverage or a pre-existing condition that required medical treatment within the six months immediately following the effective date of coverage;
• Intentionally ending your life within two years of the effective date of coverage;
• Committing or attempting to commit a criminal offence;
• Operating a motor vehicle legally impaired;
• As a result of any act of war, insurrection or terrorism; or
• Traveling in or descending from any aircraft unless you are a fare-paying passenger on a commercial flight.

No benefit will be paid if total disability results from or occurs during:

• A normal pregnancy, maternity, or parental leave;
• Intentionally self-inflicted injuries while sane or insane;
• Any period of disability during which you are not under the regular care of a physician and following the appropriate treatment;
• Committing or attempting to commit an assault or criminal offence;
• And act of war, terrorism, or insurrection;
• A pre-existing condition within 24 months following the effective date of coverage.

Also, no disability insurance benefit will be paid if you are receiving job loss benefits under this certificate.

No benefit will be paid if job loss results from or occurs during:

• A normal pregnancy, maternity, or parental leave
• A leave of absence
• Dismissal with cause
• Voluntary resignation
• Seasonal conditions or work that is seasonal in nature
• Temporary or contract employment
• Retirement, whether voluntary or mandatory
• Any act of war, terrorism, insurrection, or natural disaster
• Intentionally self-inflicted injuries, while sane or insane

Also, no benefit will be paid if:

• At the time of claim, you are self-employed, an independent contractor or working for an immediate family member who effectively controls at least 25 per cent of voting shares of any company you are working for;
• You were aware of impending unemployment 90 days before applying for insurance;
• You are dismissed for any reason within 90 days of starting work for any employer; or
• You are receiving disability benefits under this certificate.

Life insurance: only one claim may be paid per policy. If there is joint coverage in place, only one life insurance benefit will be payable.

Disability and job-loss insurance: a period of 24 months must lapse between each period of job loss to qualify for subsequent benefits. If multiple disability and/or job-loss claims are made during the same time period, monthly benefits will only be paid for one claim at a time - the one that was made first. This applies to both individual and joint coverage.

You can pay your premiums automatically from your Manulife One or Manulife Bank Select account, or from another account of your choice.

Any claims payments will be deposited into your Manulife One or Manulife Bank Select account.

You can cancel the mortgage protection insurance at any time if you feel the coverage doesn’t meet your needs. Simply contact us at 1-866-388-7095. If you cancel within 60 days of receiving the certificate of insurance, you will receive a refund of any premiums paid.

Your mortgage protection insurance benefits will terminate:

• If, after the grace period, any premium is not paid when due;
• As of the premium due date after we receive written notice that you have requested to terminate your certificate;
• As of the date your Manulife One or Manulife Bank Select account ceases to be a line of credit account;
• As of the date the group policy terminates;
• As of the date you or the joint insured dies;
• As of the date both you and the joint insured (if applicable) exceed the cessation of benefits age.

You likely received a letter asking you to provide us with evidence that you've got home insurance in place. If so, we sent this letter because we believe there's a problem with the policy we have on record for your property - such as a change that's been made or a payment that's been missed.

As your mortgage provider, we need to confirm that you have home insurance in place. If this sounds like the letter you received, please forward a copy of your current home insurance policy showing Manulife Bank as the Loss Payee as soon as possible.

If you’re struggling to make your mortgage payments, we’re here to support you. Whatever the reason, we understand the challenges you may be facing.

There may be both short-term and long-term options that can help you, depending on your individual financial situation. Give us a call at 1-877-765-2265 to speak with one of our customer service professionals. We’ll start by asking you some questions to help us make the right suggestions for you.

Unfortunately, you can't change the frequency of your loan payment. However, if you'd like to repay your loan more quickly, you can set up recurring principal payments, or even make one-time principal payments. To do this, give us a call at 1-877-765-2265.

To change the beneficiary for your RRSP or TFSA, you'll need to send us a letter with the following information:

• Your name and account number
• The full name (first name, middle initial, last name) of the beneficiary you wish to remove, if applicable.
• The full name (first name, middle initial, last name) of the beneficiary you wish to add, if applicable.
• If you have more than one beneficiary, the percentage of your account allocated to each beneficiary.  These must add up to 100%.
• Your signature authorizing the request

Or, if you have an advisor, they can help you complete a beneficiary change form and submit it to us on your behalf.

If you already have the money in your Manulife Bank account to purchase a GIC, it's as easy as calling us at 1-877-765-2265. We'll get you set up.

If you don't have the money in your Manulife Bank account just yet, you can get it there quickly with a Funds Transfer or a Mobile Deposit. Once the money is in your account, give us a call!

If you'd like help opening your GIC, you can meet with your Advisor. If you don't have an advisor but would like to meet with one, find one here, or send us an email with your request and your postal code and we'll help you find an advisor in your area.

You'll need to speak to your advisor about getting a Manulife Bank RRIF. If you don't have an advisor, find one here, or send us an email with your request and your postal code and we'll help you find an advisor in your area.

If you have an advisor noted on your account and you'd like to change or remove that advisor, please give us a call at 1-877-765-2265.

If you're changing your advisor, we'll need the new advisor's name and code. If you don't know the code, please contact your new advisor to get this information.

Want to remove your advisor and not add a new one? Give us a call and we'll make the change for you.

Getting a Registered Retirement Savings Plan (RRSP) loan is a great way to keep your retirement savings on track. We'll look after getting the money where it needs to go by forwarding the money directly to the RRSP account you indicated on your loan application.

Guaranteed investment certificate (GICs) are a type of investment, where you agree to invest a certain amount of money for a set period of time, known as the term, with a guaranteed rate of return at the end of the term. They're a great way to grow your money without worrying about the ups and downs of the market.

If you'd like to purchase a GIC, please give us a call at 1-877-765-2265, and if you have an advisor, they can help you set up a GIC. And if you don't have an advisor, find one here

If you've saved money in a Registered Retirement Savings Plan (RRSP) and you're at or nearing retirement, you definitely want to learn about Registered Retirement Income Funds (RRIFs). Check out manulifebank.ca to learn more, or give us a call at 1-877-765-2265, or you can also check out our website at manulifebank.ca.

To apply for a RRIF, please speak with your advisor. If you don't have an advisor, find one here

Registered Retirement Savings Plans (RRSPs), are a tax-deferred account to help Canadians save for retirement. In an RRSP, you can buy and hold a number of different investments, and as long as the investments are held in your RRSP, you don't have to pay tax on any of the interest, gains, or dividends you earn.

Each year, you can contribute up to 18% of your income, or the annual limit set by the CRA, whichever is lower. And, if you don't contribute the maximum amount in a given year, that space rolls over. To find out how much you can contribute, check the Notice of Assessment that you received after filing your taxes.

Learn more about our RRSPs here, or call us at 1-877-765-2265.

Tax-free savings accounts (TFSAs) are exactly that: it's an account that allows Canadians to save or invest, and any interest, gains, or dividends you earn are completely tax-free. For example, if you invest $5,000 in your TFSA and it grows to $9,000 over ten years, the $4,000 earned is tax-free.

Naturally, there's a limit on how much you can invest in your TFSA each year, and that limit depends on the annual limit set by the government, and when you were born. To determine your contribution room, check your CRA account, or visit their site to learn more.

You can learn about our TFSAs here, or call us at 1-877-765-2265.

We're happy to help you save for retirement through your Registered Retirement Savings Plan (RRSP). Unfortunately, we don't have information on your contribution limit. To get that information, you'll need to contact the Canada Revenue Agency (CRA)

Tax Free Savings Account (TFSA) contribution limits are set by Canada Revenue Agency (CRA) - you can get more information by visiting the CRA website. To find out how much contribution room you have available, please contact the CRA.

When you send money using Interac e-Transfer, you can be confident your money is safe. Transfers flow through the same payment network that Canadian financial institutions have used for years to process cheques and ATM transactions.

A number of security measures are built into the system, including encryption technology and a security question and answer created by you, so only your recipient can receive the money.

For additional fraud prevention, make sure you use a strong security answer that can’t be easily guessed or found. You should only share the answer with the recipient directly or through a safe channel, and don’t include any hints or clues in the optional message field.

Manulife Bank is a member of the Canada Deposit Insurance Corporation (CDIC), which means your deposits are eligible for CDIC deposit insurance protection. 

Visit www.cdic.ca to learn more.

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 ATM. If you've forgotten your PIN, you can reset your PIN through our mobile application available on iOS or Android or by calling 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.

We take security very seriously, and we have numerous tools and procedures in place to protect your account. These include things like your account password, security questions, and PIN. If you suspect that your password, security questions or PIN have been compromised, please contact us as soon as possible at the numbers below:

For credit card accounts, call us at 1-844-323-7053.

For all other accounts, call us at 1-877-765-2265.

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.

Being a victim of fraud can be stressful - and we're here to help.

If you're concerned about your ManulifeMONEY+ Visa account, please call us at 1-844-323-7053.

If you're concerned about any other Manulife Bank account, please call us at 1-877-765-2265.

We'll review your transactions and help get your banking back on track.

Absolutely. Your security is one of our top priorities. Whether you're using our mobile app or online banking website, you can count on strong protection every step of the way. We use advanced encryption and industry-leading security measures to keep your information safe.

Want to learn more? You can find all the details in our Online Privacy Policy.

It's a great idea to be proactive in trying to protect yourself from fraud. One of the best things you can do is get a copy of your credit bureau report to see if there is anything unusual. It's a good idea to review your credit history periodically to ensure it's accurate. You can contact both Equifax and TransUnion and they'll let you know how to get a copy of your report:

Equifax®: 1-800-846-5279

TransUnion®: 1-800-916-8800

If you believe your Manulife Bank account has been compromised, please give us a call so we can review this further with you:

For credit card accounts, call us at 1-844-323-7053.

For all other accounts, call us at 1-877-765-2265.

"Phishing" is a way that criminals try to get you to disclose personal information such as your username, password or credit card details by pretending to be a someone you know or trust. For example, you may receive a phone call from someone claiming to be a technician for a well-known company. They might state that your computer is releasing personal information and you need a technician to remotely access your computer to repair "the issue". They would then direct you to go to a website to grant them access to your computer. If you were to grant them access, they would be able to gain your personal information from your computer.

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. Keep in mind that if you pay a bill on the weekends or bank holidays, the money will be debited right away, but the payment won’t be posted until the next business day. If you need to reverse a payment, that can be done on the next business day after the payment is posted.

It's a good idea to schedule a bill payment for three to five days before the due date, since some companies take longer to process payments.

No, you must be in either Canada or the U.S. to download our mobile app. If you're travelling out of the country, make sure to download the app before you leave.

To enable Face ID, you must first register your face on your device.

• From your home screen, tap ‘Settings,’ then ‘Face ID & Passcode’ and follow the instructions.

Now that your face has been registered, you can enable Face ID for mobile banking by:

• Signing into Manulife Bank Mobile,
• Going to the ‘More’ menu,
• Choosing the ‘Face ID’ option, and
• Toggling ‘Enable Face ID’ to ‘Yes.’

Once you’ve enabled Face ID, you’ll be asked to agree to the corresponding terms and conditions before you can use the feature.
At this point, if you have not yet saved your access card number within the app, you can have the app save it for you by choosing ‘OK.’
That’s it - you’re done! The next time you sign into mobile banking, you’ll be prompted to use Face ID by looking at your screen.

To disable Face ID:

• Go to the ‘More’ menu,
• Toggle ‘Enable Face ID’ to ‘No,’ and

Tap “I agree.” The next time you sign into mobile banking, you’ll be prompted to enter your password.

To enable the fingerprint identification feature, you must first register your fingerprint to your device. 

If you're using Apple Touch ID:

• From your home screen, tap 'Settings,' then 'Touch ID & Passcode' and follow the instructions.

If you're using fingerprint ID on an Android device:

• From your home screen, tap 'Settings.' Then, find the menu option that contains 'Fingerprint' or 'Finger scanner,' and follow the instructions.

Now that your fingerprint has been registered, here's how to enable fingerprint identification for mobile banking:

• Sign into Manulife Bank Mobile
• Go to the ‘More’ menu
• Choose the fingerprint identification option for your device (Touch ID for Apple users; Fingerprint ID for Android users)
• Toggle ‘Enable Touch ID/fingerprint ID’ to ‘Yes.'
• Once you’ve enabled this feature, you’ll be asked to agree to the corresponding terms and conditions before you can use the feature.

At this point, if you have not yet saved your access card number within the app, you can have the app save it for you by choosing ‘OK.’

You’re done - the next time you sign into the app you’ll be prompted for your fingerprint!

To disable fingerprint identification:

• Go to the ‘More’ menu, and
• Toggle ‘Enable Touch ID/fingerprint ID’ to ‘No.’

Tap “I agree.” The next time you sign in, you’ll be prompted to enter your password.

If you have questions or need help with your account, you can send us a message directly in the app using your secure inbox, and we’ll respond within one business day.

Download the Manulife Bank mobile app.

Check your app version by accessing the Contact Us section of the mobile app. The version number will be in the bottom-right corner of the screen.

Yes, our mobile app employs the same accessibility standards as our website. For more information, click here.

Our mobile app is compatible with:

• iPhone/iPad - iOS version 14.1 and above
• Android smartphone/tablets with OS version 10 and above.

Not sure which operating system version your device has? Here's how to figure it out:

• If you have an Apple device, tap Settings > General > About
• If you have an Android smartphone, tap Menu > Settings > About Phone. If you have an Android tablet, tap Settings > General > About Device

NOTE: Before attempting to install the app, make sure you have enough free data space on your device. For example, you can free up space by deleting photos, videos, and other large files. To see your available space, go into Settings > General > About. The Manulife Bank mobile app requires 6.7 MB of space.

When you have more than one account, the dots at the bottom of the Accounts screen allow you to swipe back and forth between your accounts to view the details of each account.

Your account balance is the amount of money you have in your account. If you have borrowings, your account balance is the amount you owe. It takes into account all deposits and withdrawals you've made. However, it can take a few days for recent transactions to show up. If you don't see your latest activity, just check back later - it's coming.

If you have a Canadian-dollar cheque from a Canadian bank or financial institution that’s made payable to you, you can deposit the following types of cheque using an ATM or mobile deposit:

• Personal
• Business
• Certified
• Money order
• Government
• Convenience
• Counter

If you have a US-dollar cheque from a Canadian financial institution, there are two ways to deposit those cheques into your account:

• Send cheques by mail to Manulife Bank, 500 King Street North, PO Box 1602, Waterloo, ON, N2J 4C6
• Visit an RBC Royal Bank branch and give the teller one of your RBC Royal Bank deposit slips. Note, you can only deposit Canadian-dollar or US-dollar cheques from other Canadian banks at RBC branches. 

You can’t deposit cheques that are:

• Dated more than six months in the past
• Future-dated
• Not payable to you (the account holder)
• From a non-Canadian financial institution
  

Note: we can’t accept cheques from foreign banks. Instead, ask the sender to wire the transfer to your Manulife Bank account.

You can register up to five email addresses or mobile phone numbers for autodeposit.

You can chat with a real person on our mobile app by using the live chat feature. Our customer support agents are online Monday to Friday from 9 a.m. to 9 p.m. (ET). They can help you with questions about everyday banking or help you with anything related to your accounts.

No, you are not able to use mobile wallet when your card is locked. Just like a physical card, your mobile wallet will not work when trying to make new purchases, either in-person or online when there’s a temporary lock on the card.

Once the card is unlocked, you can use mobile wallet like usual.

A mobile wallet is an app on your mobile device that allows you to add payment information from your credit or debit card and make purchases with your device. You may also be able to keep loyalty club memberships and reward cards in your mobile wallet.

There are several different mobile wallet apps available, but the main five are Apple Pay®, Google Pay™, Samsung Pay, and Garmin Pay™. You can add your ManulifeMONEY+™ Visa* card to all five mobile wallets and your Manulife Bank debit card to Apple Pay®, Google Pay™ and Samsung Pay. Cards loaded into a mobile wallet can be used to make secure and convenient purchases in stores, other apps, and online shops that accept mobile payments.

You can add your ManulifeMONEY+™ Visa* card to Apple Pay®, Google Pay™, Samsung Pay, and Garmin Pay™ and your Manulife Bank debit card to Apple Pay®, Google Pay™ and Samsung Pay.

Here are the compatible devices for each app:

• Apple Pay supported devices (Compatible with ManulifeMONEY+ Visa card and Manulife Bank debit card)
• Samsung Pay supported devices (Compatible with ManulifeMONEY+ Visa card and Manulife Bank debit card)
• Google Pay supported devices (Compatible with ManulifeMONEY+ Visa card and Manulife Bank debit card)
• Garmin Pay supported devices (Compatible with ManulifeMONEY+ Visa card and Manulife Bank debit card)

You can use your mobile wallet wherever contactless payments are accepted. If you’re unsure if contactless payment is accepted, simply ask an employee when you checkout. Keep in mind that fees may apply including foreign exchange fees. We suggest you also check out your credit card or debit card agreements to see if there are any other fees associated with using your card abroad.

We don’t charge fees for using a mobile wallet. However, you’re responsible for any fees or charges from third-party service providers, like data usage or messaging rates. 

Absolutely! You get all the same rewards and perks.

Please review Apple Pay’s security overview for more info. (Compatible with ManulifeMONEY+ Visa card and Manulife Bank debit card)

Please review Google Pay’s security overview for more info. (Compatible with ManulifeMONEY+ Visa card and Manulife Bank debit card)

Please review Samsung Pay’s security overview for more info. (Compatible with ManulifeMONEY+ Visa card and Manulife Bank debit card)

Please review Garmin Pay’s security overview for more info. (Compatible with ManulifeMONEY+ Visa card and Manulife Bank debit card)

Yes – you’ll have to remove the current card and then add the new one. You can visit the website of your mobile wallet provider for information on how to remove a card.

Apple Pay
Google Pay
Samsung Pay
Garmin Pay

ManulifeMONEY+ Visa card

As long as there is sufficient credit available on your ManulifeMONEY+ Visa card account, there are no restrictions on the amount you can spend to pay for purchases with your mobile wallet. However, we suggest checking with the store if they impose an amount limit on purchases made using a mobile wallet.

Manulife Bank Debit Card

The following limits apply for purchases made with your Manulife Bank debit card in your mobile wallet:

- Contactless payments in a store: less than $250

Note: To protect yourself, you must enter your PIN as soon as the contactless payment reaches $400.

- Payments for mobile website or in-app purchases: $3,000 per day

We suggest you contact your mobile wallet provider:

- Apple, Google or Samsung (compatible with the ManulifeMONEY+ Visa card and the Manulife Bank debit card)
- Garmin (compatible with the ManulifeMONEY+ Visa card)

Transaction information will not be shared with the mobile wallet provider. The only information that will be shared with them is your name and account number when you set up your mobile wallet.

You must have a Business Advantage Account or Manulife One for Business mortgage in order to file taxes and pay provincial or federal government agencies using our business tax payment and filing service. Personal account holders are not eligible for the service and already have access to an extensive list of bill payees through online and mobile banking – you may find that the agency you wish to pay is already on that list.

Typically, within 5 business days. Watch for messages from PFS.creditors@telus.com.

The user guide is available within the payment portal. You can also download a PDF copy.

A one-time enrollment fee of $25 will apply. A per-transaction fee of $2 will also apply. The Manulife Bank business account you designated when you enrolled will be debited monthly.

The fastest way is to self-serve. Complete the electronic enrollment form and return it to Manulife Bank using the Upload documents feature of online banking. If you prefer, you can return the completed enrollment form via fax or letter mail. Speak to your advisor or contact Manulife Bank if you cannot self-serve.

Yes. Our application packages include instructions for enrolling in the optional tax payment and filing service. The representative who helps you submit your application for a Business Advantage Account can guide you.

Contact Dye & Durham at 1-800-206-9444 for assistance, between 8 a.m. and 8 p.m. ET, Monday to Friday.

You can set-up only a single user but can make tax payments from multiple Manulife Bank accounts. If you enrolled multiple accounts, you can choose the account from which you wish to make a payment within the tax payment portal. Contact us to add accounts or request account changes.

Yes. If you enrolled multiple Manulife business accounts, you may choose which one gets debited within the portal. Please refer to the user guide for further assistance.

Please refer to the user guide for instructions on account registration and set up of a payment. If you cannot resolve your issue in that way, contact Dye & Durham at 1-800-206-9444 for assistance, between 8 a.m. and 8 p.m. ET, Monday to Friday.

Payments are processed early in the morning on the payment date. Payments entered on the due date are therefore considered late, and subject to government penalties. To avoid late payment penalties, you must make payments no later than midnight of the last business day before the due date. For further clarification, contact Dye & Durham at 1-800-206-9444, between 8 a.m. and 8 p.m. ET, Monday to Friday.

If your payment has not yet been processed, you can cancel it. Within the portal, you’ll find links to a user guide and answers to Frequently Asked Questions (FAQ) on the Registered payments and accounts screen. These online resources provide instructions on cancellations. If you cannot resolve your issue in that way, contact Dye & Durham at 1-800-206-9444 for assistance, between 8 a.m. and 8 p.m. ET, Monday to Friday.

If your payment has not yet been processed, you can cancel it. Follow the steps outlined in the “View or cancel future-dated transactions” section of the portal’s online user guide. Contact Dye & Durham at 1-800-206-9444 if you need assistance, between 8 a.m. and 8 p.m. ET, Monday to Friday. If the payment has already been processed, you must contact the government agency to which you made the incorrect payment directly.

Yes, each bill payment will appear as a single line item, “Fed/Prov Tax Payment”, on the day the payment was made, while enrollment and transaction fees will appear as a consolidated line item “Business Tax Payment Fee”. Note the fees may not be charged on the same day as the transaction.

You can reset your own password at any time by clicking I forgot my password at the top of the portal sign in screen. You’ll receive a new password at the email address entered in your profile. Contact Dye & Durham at 1-800-206-9444 for assistance with your user ID.

There are no maintenance costs or dormancy fees associated with this service; it will be terminated automatically if you choose to close your Manulife Bank business account. Note that any post-dated payments will be void upon cancellation of the service.