CIBC

CIBC

CIBC Everyday® Chequing Account

A basic chequing account with 18 included monthly transactions. Transactions above the allowance cost extra.

Monthly fee

$4.00

Transactions included

18

CIBC

CIBC Smart™ Account

A chequing account with unlimited transactions and three tiers of benefits based on eligible balances. Monthly fee rebates are available when balance conditions are met.

Monthly fee

$16.95 or $0

Transactions included

Unlimited

CIBC

CIBC Smart™ Account for Apprentices

A chequing option for eligible skilled trades apprentices with unlimited transactions and partner discounts.

Transactions included

Unlimited

CIBC

CIBC Smart™ Account for Foreign Workers

A chequing option for foreign workers with unlimited transactions and access to international money transfers.

Transactions included

Unlimited

CIBC

CIBC Smart™ Account for Newcomers

A newcomer chequing option with unlimited transactions and access to international money transfers.

Transactions included

Unlimited

CIBC

CIBC Smart™ Account with CIBC Smart™ for Students

Unlimited everyday banking for full-time students graduating at age 25 or older, with no monthly fee while in school.

Monthly fee

$0

Transactions included

Unlimited

CIBC

CIBC Smart™ Account with CIBC Smart™ Start

A chequing option with unlimited transactions and no monthly fee until age 25.

Monthly fee

$0

Transactions included

Unlimited

CIBC

CIBC Smart™ for Seniors with a CIBC Everyday® Chequing Account

A basic chequing option for seniors over 65 with 18 included monthly transactions and no monthly fee.

Monthly fee

$0

Transactions included

18

CIBC

CIBC Smart™ for Seniors with a CIBC Smart™ Account

A chequing option for clients over 65 with unlimited transactions and no monthly account fee.

Monthly fee

$0

Transactions included

Unlimited

CIBC

CIBC Aeroplan® Visa Infinite* Card

An Aeroplan rewards card for earning points on eligible purchases.

Annual fee

$139

CIBC

CIBC Aventura® Visa Infinite* Card

A travel rewards card earning Aventura points on eligible purchases.

Annual fee

$139

CIBC

CIBC Costco Mastercard

A cash back Mastercard offered to Costco members.

CIBC

CIBC Dividend® Visa Infinite* Card

A cash back card with different earning rates for eligible spending categories.

CIBC

CIBC Select Visa* Card

A credit card positioned as a low-interest option for carrying a balance.

CIBC

CIBC Green Vehicle Loan

A fixed-rate dealership car loan for electric, hybrid and fuel cell vehicles, with promotional Green Vehicle Program rates at CIBC-partnered dealers and the option to include a home charging station.

Interest rate

Fixed; Green Vehicle Program rates quoted by the dealer

Term

12 to 96 months

Minimum loan

CAD 20,000

Eligible vehicles

New or used electric, hybrid or fuel cell vehicles at CIBC-partnered dealerships

CIBC

CIBC Mortgages

Fixed and variable rate mortgages from CIBC.

CIBC

Commercial Franchise Financing

Customized commercial financing for franchise operators with larger borrowing needs and specialist support.

Terms

Customized proposal; rates, security and repayment Not confirmed.

Uses

Day-to-day expenses, additional locations and franchise improvements.

Borrowing focus

Needs over CAD 1 million.

CIBC

CIBC GICs

GICs from CIBC with several terms, available in registered and non-registered plans.

CIBC

CIBC eAdvantage® Savings Account

A savings account paying regular interest on every dollar, with additional Smart Interest available when monthly saving conditions are met.

Monthly fee

$0

CIBC

CIBC US$ Personal Account

An account for saving and earning interest in U.S. dollars without currency conversion when depositing or withdrawing U.S. funds.

Monthly fee

$0

CIBC

CIBC US$ Personal Account for Seniors

A U.S. dollar account for seniors with two free transactions per month and free paper or paperless statements.

Monthly fee

$0

CIBC

CIBC Investor's Edge

CIBC's self-directed online brokerage.

CIBC

CIBC Personal Line of Credit

Reusable personal borrowing for everyday expenses or larger purchases. Interest applies to the funds used.

Provincial availability

Not confirmed. Ask the provider about residence and membership requirements.

CIBC

CIBC Professional Edge Student Program

Student financing for eligible professional education programs. Limits and conditions depend on the program of study.

Provincial availability

Not confirmed. Ask the provider about residence and membership requirements.

CIBC

CIBC RRSP Daily Interest Savings Account

An RRSP savings account with guaranteed principal and interest, accessible funds and tiered interest.

Monthly fee

$0

CIBC

CIBC Savings

A savings option within a first home savings account that earns interest on contributions and permits access to funds.

Monthly fee

$0

CIBC

CIBC TFSA Tax Advantage Savings Account®

A tax-free savings account paying daily interest with access to funds and recurring deposits.

Monthly fee

$0

CIBC

CIBC Adapta™ Mastercard®

A rewards card that adapts its higher earning categories to eligible spending.

Annual fee

$0

CIBC

CIBC Canada Small Business Financing Program Term Loan

A government-backed term loan for starting or expanding a small business through eligible property, equipment, leasehold improvements, intangible assets and working capital.

Maximum amount

CAD 1,000,000

Non-real-estate limit

CAD 500,000, including up to CAD 150,000 for intangible assets and working capital

Maximum term

15 years; real estate may be amortized up to 25 years

Variable rate

CIBC prime rate plus 3%

CIBC

CIBC Education Line of Credit

A student line of credit for post-secondary education expenses. Confirm the current limit and repayment conditions directly with CIBC.

Institution

Accredited Canadian university, college or trade school.

Repayment

Interest-only during school and 12 months after graduation, or six months after leaving without graduating.

Full-time undergraduate annual limit

CAD 20,000.

Program limit

CAD 80,000 recommended limit.