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Balance Transfers, Access Cheques, Deposits and Cash Advances
How do I transfer balances to my credit card account or make a deposit to a chequing account?
Your credit card account application allows you to request the transfer of balances from up to three (3) credit card accounts or other types of loans from other creditors. The total value of balance transfer requests cannot exceed your credit limit. MBNA will send either full or partial payment to your creditors in the order you list them upon account approval. Allow at least two weeks for processing. Continue paying each creditor until your balance(s) have been transferred to your MBNA account.
After you are approved, you can go online at service.mbna.ca or call 1-800-404-1346, Monday to Sunday, 7 a.m. to 12 a.m. EST, to transfer as many qualifying loan balances as you like or make a deposit to a chequing account up to your credit available.
Is there any restriction on balances I can transfer?
The total value of transfer requests and/or deposits cannot exceed your credit available. Balance transfers and deposits may not be used to pay off or pay down another account with MBNA or any of its affiliates.
How long does it take to complete a balance transfer?
If your balance transfer request is received with your credit card account application (deposits cannot be requested with an online application but can be requested as soon as your account is opened), you should allow at least two weeks from account opening for processing of your request(s). You should continue to make your monthly payments to each creditor until the balance transfer appears as a credit on that account
Are there any fees for making a balance transfer?
Balance transfers and deposits may be subject to fees in accordance with the terms and conditions of your account. Call 1-888-876-6262 for specific information pertaining to the fees and finance charges applicable to your account.
How can I get a cash advance?
You can obtain a cash advance from your account by using your credit card at an ATM, bank, or other location.
- To have a PIN sent to your billing address, call 1-888-876-6262.
- To find the nearest ATM, visit Mastercard® ATM locator service.
- If you need cash and don't have your PIN, take your credit card and another piece of identification into any bank displaying a Mastercard® logo.
- Please note that cash advances are subject to your cash advance available.
How can I use my MBNA credit card cash access cheques?
Use access cheques just like you would a personal cheque. You can even write an access cheque payable to "Cash" up to your credit available and deposit it into your personal chequing account.