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Make your cash work harderManulife Bank deposit products
Name, DESIGNATIONTitle, Company Name
Date
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Manulife Bank – A strong partner
Member of Canada Deposit Insurance Corporation (CDIC)*.
A Schedule 1 Bank, wholly owned by Manulife Financial.
More than $20.9 billion in high-quality assets
Short-term deposits received the coveted A-1 rating from Standard and Poor’s
Working with financial advisors since 1993
*Only deposits held in Canadian currency, having a term of five years or less and payable in Canada are insurable under the Canada Deposit Insurance Corporation Act.
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Manulife Bank deposit products
High-Interest Savings Accounts Advantage Account
Business Advantage Account
Tax-Free Advantage Account
Registered Advantage Account
$US Advantage Account
$US Business Advantage Account
Investment Savings Accounts $CAN
$US
Term Deposits Short-term deposits
1-5 Year Guaranteed Investment Certificates
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Advantage Account
Your chequing account deserves to grow
Premium interest rate on every dollar, currently X.XX%*
No minimum deposit required
Access your money by cheque, ABM withdrawal and debit payments
Pay bills, transfer funds and make account inquiries through Internet or telephone banking services
Make deposits at a Royal Bank branch or at any Canadian deposit-taking ABM with THE EXCHANGE® symbol.
No monthly fee*As at DATE, the variable annual interest rate of X.XX% is applied to all funds in the account. Interest is calculated daily on the total closing balance and paid monthly. Rate is subject to change without notice.
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An account for all uses
Primary account For individuals who embrace technology and have minimal need for
traditional branch banking services
Secondary account For individuals who want to earn a high rate of interest on the bulk
of their short-term money but are not comfortable giving up branch banking altogether
Investment account For individuals who want to earn a better rate of return or achieve
more liquidity for their “emergency funds”
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What makes the Advantage Account different from other high interest accounts?
Pays a high rate of interest on every dollar in your account
Easy access to your money
Internet and telephone banking
Debit purchases & ABM access
Cheque writing
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Access to THE EXCHANGE® Network
No convenience fees
Deposit capability
2,300 + ABMs
ABM locator
230 members Nine banks including National Bank
and HSBC
Remainder are credit unions and other deposit taking institutions
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Business Advantage Account Make your short-term cash work harder
Provides real growth for business’ excess short-term cash (not a business operating account)
Premium interest rate on every dollar, currently X.XX%
Use our Internet and telephone services to keep track of your account, pay bills, transfer money from your operating account and make account inquiries 24-hours-a-day
Write cheques
Make deposits at any Royal Bank branch
No monthly fee
As at DATE, the variable annual interest rate of X.XX% is applied to all funds in the account. Interest is calculated daily on the total closing balance and paid monthly. Rate is subject to change without notice.
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Business Advantage Account
What makes the Business Advantage Account different from other high interest business accounts? Pays a high rate of interest on every dollar in your account
Easy access to your money
Internet and telephone banking
Cheque writing
Bill payments
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Tax-Free Advantage Account
Tax-free growth for your savings High-interest, fully liquid Tax-Free
Savings Account (TFSA)
No minimum deposit required
Full interest rate paid on every dollar, currently X.XX%
Fully liquid, no penalty for withdrawal
No tax on interest
No account maintenance fees
As at DATE, the variable annual interest rate of X.XX% is applied to all funds in the account. Interest is calculated daily on the total closing balance and paid monthly. Rate is subject to change without notice.
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Tax-Free Advantage Account
Deposit options Mail a cheque to Manulife Bank or local bank deposit through
financial advisor
Set up a Pre-Authorized Chequing (PAC) deposit from a personal bank account
Transfer funds from a personal bank account
Transfer funds from another TFSA account (no fee) in the same client name
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Tax-Free Advantage Account
Withdrawal options Official cheque from Manulife Bank
Transfer to another Manulife Bank account
Transfer to an account at another Canadian financial institution
Transfer to another TFSA account held by the account holder
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Tax-Free Advantage Account
Possible uses for TFSA First portion of any non-registered assets
Emergency funds
Saving for mid-size purchases
Instead of RRSP for low-income earners
In addition to RRSP for high-income earners
Excess RRIF income
Income tax refunds from RRSP contributions
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Registered Advantage Account
Security and growth for your RRSP A no fee alternative to money market
funds
High interest rate, currently X.XX%
Money is never locked-in
Great place to park your registered funds
Short-term holding account
Low risk investment
As at DATE, the variable annual interest rate of X.XX% is applied to all funds in the account. Interest is calculated daily on the total closing balance and paid monthly. Rate is subject to change without notice. Withholding taxes may apply if funds are moved to a non-registered account.
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$US Advantage Account
Keep your money growing High interest savings account, currently X.XX%
No tiers or minimum balances
No monthly fee
Internet and telephone banking
Withdrawals
— Funds transfers (between your $US Advantage Account and a $US account that you hold in your name at another Canadian Financial Institution)
Deposits
— Funds transfers or mail a $US cheque drawn on a Canadian financial institution to Manulife Bank
As at DATE, variable annual interest rate of 0.00% is applied to all funds in a $US Advantage Account. Interest is calculated daily on the total closing balance and paid monthly. Rate is subject to change without notice.
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$US Business Advantage Account Enhanced growth for your U.S. cash
High interest savings account, currently X.XX%
Available to incorporated and unincorporated business, organizations and trusts
No tiers or minimum balances
No monthly fee
Internet and telephone banking
Withdrawals
— Funds transfers
Deposits
— Funds transfers or mail a $US cheque drawn on a Canadian financial institution to Manulife Bank
As at DATE, variable annual interest rate of 0.00% is applied to all funds in a $US Business Advantage Account. Interest is calculated daily on the total closing balance and paid monthly. Rate is subject to change without notice.
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Investment Savings Account
Who says you have to drive in the slow lane to be safe?
Providing three key benefits you look for in a low-risk investment: Growth
Convenience
Security of a bank account
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Investment Savings Account
Part of your investment account, managed by your financial advisor
Deposits can be held as cash, margin accounts and registered accounts
No fixed terms or interest rate penalties
Your money is never locked-in and transactions settle the following business day
Investment Savings Account is TFSA-eligible if your dealer has a Tax-Free plan
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Investment Savings Account
High interest savings account currently: X.XX% (A-class)
$US version also available that offers the same functionality and features
$US high interest savings account currently: X.XX% (A-class)
As at DATE variable annual interest rate of X.XX% is applied to all funds in the Investment Savings Account (A-class). As at DATE variable annual interest rate of X.XX% is applied to all funds in the $US Investment Savings Account (A-class). Interest is calculated daily on the total closing balance and paid monthly. Rate is subject to change without notice.
Note: The $US Investment Savings Account is not eligible for CDIC coverage.
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Guaranteed Investment Certificates
The many benefits of GICs Growth
Dependability
Security
Simplicity
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Short-term deposits
Terms of 30-364 days
Registered (RRSP only) or non-registered
Minimum $25,000 deposit
Tiered rates for larger investment amounts
Redeemable prior to maturity (interest penalty applies)
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Guaranteed Investment Certificates
Terms of 1, 2, 3, 4 and 5 years
Non-registered, RRSP or TFSA
Minimum $2,500 deposit ($10,000 for monthly interest)
Non-redeemable prior to maturity (non-registered and RRSP)
TFSA can be redeemed prior to maturity Subject to market value adjustment and expense recovery fees
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Important notes
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.
Manulife, Manulife Bank, the Manulife Bank For Your Future logo, the Block Design, Manulife One and the One logo, the Four Cubes Design, and Strong Reliable Trustworthy Forward-thinking, are trademarks of The Manufacturers Life Insurance Company and are used by it, and by its affiliates under license.
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Questions?
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Thank you