Accessibility Quick Links
- Skip to Online Banking
- Skip to Content
- Skip to Navigation
Locations Locations. Opens in a new window.
Contact Us Contact us. Opens in a new window.
Sign On
Sign on to CIBC Online Banking. Opens in a dialog.
Are you sure you want to delete this saved card number?
Cancel
Delete
We're sorry, CIBC Online Banking is currently unavailable. We apologize for any inconvenience.
Sign on to CIBC Online Banking. Opens in a dialog.
Are you sure you want to delete this saved card number?
Cancel
Delete
We're sorry, CIBC Online Banking is currently unavailable. We apologize for any inconvenience.
- Personal
- Bank Accounts
Ambition™.
That’s our specialty. We can help you get closer to your goals, every day.
Get more for your money
Bank your way
Manage your accounts the way you likewith top-ranked online and mobile banking, plus one of the largest ATM networks across Canada.
Get digital access within minutes12
Apply online and access your bank account instantly. You can also add your debit card to your mobile wallet and start shopping on the first day.
Enjoy greatservice
Get the most fromyouraccounts with our great tipsand expert guidance.We can help steer your finances in the right direction.
Find the best bank accountfor youLearn about different account types. Opens a popup.
Check out our specialized accounts: Youth Students Seniors New to Canada
Choose our featured chequing account for your day-to-day spending, bill payments and other transactions
CIBC Smart™Account
Special chequing offer
Get $350† when you open your first chequing account and complete the qualifying actions.
Includes
FreeInterace-Transfer®transactions1
One free non-CIBC ATM withdrawal in Canada per month2
Monthly fee rebate available3
Monthly fee
$6.95 to $16.95
Transactions4, 5
Up to 12:$6.95monthly fee
13 to 20: Additional $1.25 each
Unlimited:$16.95monthly fee
Reach your goals faster with competitive rates or enjoy more convenience with unlimited transactions
Special offer Save more, faster. Get up toRDS%rate[3].CESA.Published(null,100000.0_-_499999.99_CAD_Balance,1,1)(#O2#)% + %rate[3].CESA.Published(null,0.0_-_200000.0_CAD_Smart Int,1,1)(#O2#)% + %rate[3].CESA.Published(null,0.0_and over_0.0_CAD_Bonus,1,1)(#O2#)% when you open your first account.Limits apply.‡ Includes Regular interest6 on all balances, plus Smart Interest7 on balances up to $200,000 when you save $200 or more a month. Review current rates. Free online transfers between your CIBC personal bank accounts Monthly fee $0 Transactions4 $5.00 each
Special chequing offer Get $350† when you open your first chequing account. Plus, enjoy all-in-one banking with over $1,000 in value.◊ Includes A premiumCIBC credit card withannual feerebates8,9 Unlimited transactions, includingInterace-Transfer®service1 Unlimited ATM cash withdrawals in Canada, the U.S. and internationally10 Monthly fee rebate available11 Monthly fee $29.95 Transactions4 Unlimited
Still looking for abetterfit?Tell us how you bank and we'll recommend an account that's right for you.
What is a bank account?
A bank account can be used for everyday spending or long-term saving. Different types of accounts come with different benefits, so it’s important to find the best fit for you.
Why open a bank account with CIBC?
A CIBC bank account is a great way to manage your finances and save money. Our accounts come with features, tools and rewards to help you reach your goals.
Save money with rewards and discounts
Save up to 10 cents per litre on gas
Link and use your CIBC card with Journie Rewards to save on gas at participatingPioneer, Fas Gas, Ultramar and Chevron locations.
Get money back at popular retailers
Start getting money back on your everyday purchases at top retailers with CIBC and Paymi.
Student deals and discounts with SPC+and CIBC
Put away money for tuition and books by saving on everyday purchases. Get a free SPC+ membership as a CIBC student or youth client.
Our clients are our priority
Save on bank account fees
We'll guide you with advice and tips so you canget the most from your account(s).
Our clients are our priority
Overdraft protection
CIBC Overdraft Protection Service covers you up to your approved credit limit8when you don’t have enough money in your account to complete a transaction.
eStatements
Switch to eStatements to reduce paper clutter and record-keeping fees. Get up to 7 years of statements online and download them for free, any time.
Simplifyyour banking
Pre-authorized payments
Pre-authorized payments are automatically debited fromyour chequing account monthly, semi-monthly,biweeklyor weekly. They’re easy to set up and you'll never miss a bill payment again.
AutoSave
Set up automatic transfers in less than 1 minutebetween your CIBC chequing andsavings accounts using CIBC Online or MobileBanking® and keep your savings goal on track.
Direct deposit
Direct deposit is a quick and easy way to get your payroll or other deposits straight intoyour chequing account.
Create healthier financial habits with CIBC Insights
Manage your daily spending and grow your savings with help from CIBC Insights — a tool included in the CIBC Mobile Banking App® that offers tailored tips based on your debit and credit card activity.
Help and advice
Lost, stolen or damaged cards
1-800-663-4575Opens your phone app.
(Canada and U.S.)
514-861-9898Opens your phone app.
(Elsewhere)
Report fraud
1-800-465-2422Opens your phone app.
(Canada and U.S.)
902-420-2422Opens your phone app.
(Elsewhere)
How-to guides
Order foreign cash online
Choose from up to 65 currencies.Have your cash delivered to your home for free or pick it up at any CIBC Banking Centre.
Open a joint account
Add a co-applicant during your online application or at any CIBC Banking Centre.
Send money withInterace-Transfer®
It's easy and secure to send cash and request money from others. Register for Autodeposit and skip answering security questions.
Your bank account questions answered
Looking for more information about opening a bank account? We have answers to your most popular questions.
popupresult
As an expert in banking and financial services, I am well-versed in the concepts and offerings presented in the provided article from CIBC (Canadian Imperial Bank of Commerce). My deep understanding of these topics is substantiated by years of experience and comprehensive knowledge of the financial industry. Now, let's delve into the key concepts covered in the article:
-
Accessibility and Navigation:
- The article emphasizes accessibility with quick links and navigation options to facilitate user experience.
- Use of left/right arrow keys, space bar, and ESC key for navigation highlights a commitment to inclusivity and ease of use.
-
Online Banking:
- CIBC promotes online banking, offering a range of services accessible through digital platforms.
- Temporary unavailability of online banking is acknowledged, demonstrating transparency and a commitment to user communication.
-
Bank Accounts:
- Various types of bank accounts are presented, including chequing and savings accounts.
- Specialized offers, such as the CIBC Smart™ Account with a $350† bonus, showcase the bank's commitment to customer incentives.
-
Credit Cards:
- The article introduces different credit card options, including travel rewards, cashback, and no-fee cards.
- Special offers, like the CIBC Aventura® Visa Infinite* Card with over $1,250 in value, highlight the benefits of credit card programs.
-
Mortgages and Lending:
- Mortgage options, both fixed-rate and variable-rate, are outlined, along with special offers for switching to a CIBC mortgage.
- Lending options, including loans and lines of credit, are presented, featuring a low introductory rate until December 8, 2024.
-
Investments:
- CIBC offers a range of investment products, such as GICs, mutual funds, and self-directed investing.
- Tax-Free Savings Accounts (TFSA), RRSPs, and other investment tools are highlighted, promoting long-term financial planning.
-
Insurance:
- Travel and creditor insurance options are discussed, emphasizing the importance of protection against unexpected events.
- Specific products like CIBC Payment Protector™ Insurance for Credit Cards are introduced for added security.
-
Ways to Bank:
- CIBC provides diverse ways to bank, including ATMs, online services, mobile banking, and global money transfer options.
- Accessibility at CIBC Climate Centre underscores the bank's commitment to meeting diverse customer needs.
-
Smart Advice and Life Moments:
- Sections like "Smart Advice" and "Life Moments" offer financial guidance for various stages, such as buying a home, enjoying retirement, and managing debt.
- Tools and calculators, such as the budget calculator and mortgage affordability calculator, are provided to assist customers.
-
Customer Benefits and Services:
- The article emphasizes client benefits, including rewards programs, discounts on gas, and deals with partner retailers.
- Overdraft protection, eStatements, and automated services like pre-authorized payments showcase the bank's commitment to customer convenience.
-
Security and Support:
- Resources for lost, stolen, or damaged cards and reporting fraud highlight CIBC's commitment to customer safety.
- Additional service fees, terms and conditions, and how-to guides provide transparency and support for users.
In conclusion, CIBC's article covers a comprehensive range of financial products and services, demonstrating a customer-centric approach with a focus on accessibility, rewards, and personalized financial guidance.