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Have you tried calculating your points with your spouse as the principal applicant or with a higher IELTS/CELPIP score (you get more points for adaptability with higher language scores!)

Please note that for MPNP, you need to have a connection to manitoba (friend, close/distant relative, education, work). If work is your connection, you will be required to work for at least 1 year for a manitoba employer to be eligible since you are comming from another province. See...

RBC also offers free interac etransfers from your personal chequing account. You can also enjoy rebates on your monthly account fee via multi product rebate (rebate you get for having multiple products i.e chequing acct, credit card and investment or mortgage)