介绍无月费的支票和储蓄二合一的银行账户:(附官方开户链接)

Manulife Bank Advantage Account

备注:1)此链接是安全的。您会在屏幕右上方看到我的全名,意味着我代表银行向您推荐了此产品。凡是通过此链接开户的客户将得到我关于此产品的免费相关服务。2)曾被The Globe And Mail 在2018年评为加拿大最佳支票账户。产品相关细节如下:

Overview

Advantage Account is a high-interest, full-access, low fee chequing account that can be used by clients as their primary bank account or as a secondary investment account. This account combines the liquidity of a traditional chequing account with the interest of a short-term GIC or money market fund. Advantage Account’s features and benefits are unrivalled in the marketplace.

Note: The variable annual interest rate is applied to all funds in the account. Interest is calculated daily on the total daily balance and paid monthly. Rate is subject to change.

Product summary

  • A combined high-interest chequing and savings account.

Tax status

  • Non-registered

Availability

  • Client name (off-book)

Minimum deposit

  • None

Interest structure

  • A variable rate that is calculated daily and paid monthly on the entire balance.

Liquidity

  • Fully liquid – no penalty for withdrawal.

Deposit options & account fees

  • Transfer money from an account at another Canadian financial institution.
  • Deposit a cheque using mobile deposit.
  • Make a deposit at a bank machine with THE EXCHANGE® logo.
  • Interac® e-Transfer.
  • Directly deposit income (payroll, pension, investments, etc.).
  • Mail a cheque to Manulife Bank.
  • Make a deposit in person at any RBC Royal Bank branch.
  • No fees for any deposit method.

Withdrawal options & account fees

  • Fund transfers: No fee
  • Cheques: No fee
  • Pre-authorized payments: No fee
  • ATM withdrawals (in Canada): $1.50
  • Direct payment purchases: $1.00
  • Bill payments: $1.00
  • Interac® e-Transfers: $1.00

Clients don’t pay withdrawal fees when their account balance is $1,000 or higher at the time of transaction.

Statements

  • e-Statements: Free monthly or semi-annually.
  • Paper statements: Free semi-annually or $2/month.

CDIC eligibility

  • May be eligible

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