Apply for a CIBC Unlimited Business Operating Account

Man and woman reviewing a business document

Business Accounts

CIBC Unlimited Business Operating Account^®

A premium operating account that takes the guesswork out of banking, so you can focus on running your business.

Get a premium account with unlimited transactions¹, including Interac e-Transfer^® transactions, and a monthly fee waiver

Save the monthly fee²

Pay no monthly fee when you have a minimum daily balance of $45,000.³

All the transactions¹ you need

Unlimited withdrawals, deposits, bill payments, account transfers⁴, Interac e-Transfer transactions⁵ and more.

Comprehensive deposit package⁶

Deposit up to $15,000 cash, $1,000 coin and 100 cheques each month at no extra cost.

Unlimited Business Operating Account at a glance

Monthly fee²

$0 or $65

Minimum daily balance³ to avoid monthly fee

$45,000

Transactions included¹

Unlimited
(includes Interac e-Transfer transactions⁵)

Deposit package⁶

$15,000 in cash

$1,000 in coin

100 cheques

Fees and details

How do I open an account?

Option 1: Complete the application form online; it’s quick and easy

Skip the trip to a banking centre and apply online, anytime. This is the most convenient way to open a business account ― complete the application form in as little as 30 minutes.
Apply nowto open a CIBC Unlimited Business Operating Account. Opens a new window in your browser.

Option 2: Complete the form and visit a CIBC Banking Centre

Complete the Business Account Application and Agreement (PDF, 400 KB)Opens a new window in your browser.
All principal owners and anyone who will sign on the account must bring 2 pieces of valid ID to your appointment.
Meet with usOpens a new window in your browser.

Bring the records for your business type:

It's more than just banking for your business

Send money around the world with CIBC Global Money Transfer^™ for Business

Send up to $100,000 to over 130 countries with no transfer fees^† with your CIBC Business Account. Earn $100 cash back^‡ after you send your first CIBC Global Money Transfer^™ for Business. Plus, get up to $1,000^◊ based on the annual amount sent from January 1, 2024 to December 31, 2024.

Learn more about CIBC Global Money Transfers.

An exclusive offer of advice and banking solutions for your organization

Partner with CIBC and unlock solutions to provide your employees with a competitive banking offer that will meet their needs, at no additional cost to you.

Learn more about CIBC Global Money Transfers.

Contact us

Connect with a business banking expert on your schedule or in your community.

Meet with us

Request a call

Find a branch

Find an advisor

Telephone Banking: 1-800-465-2422 Opens your phone app. | Contact us Opens in a new window.

CIBC is a member of Canada Deposit Insurance Corporation (CDIC)

Get a premium account with unlimited transactions1, including Interac e-Transfer® transactions, and a monthly fee waiver

Save the monthly fee2

All the transactions1 you need

Comprehensive deposit package6

Unlimited Business Operating Account at a glance

Monthly fee2

Minimum daily balance3 to avoid monthly fee

Transactions included1

Deposit package6

Bring the records for your business type:

It's more than just banking for your business

Send money around the world with CIBC Global Money Transfer™ for Business

An exclusive offer of advice and banking solutions for your organization

Contact us

Get a premium account with unlimited transactions¹, including Interac e-Transfer^® transactions, and a monthly fee waiver

Save the monthly fee²

All the transactions¹ you need

Comprehensive deposit package⁶

Monthly fee²

Minimum daily balance³ to avoid monthly fee

Transactions included¹

Deposit package⁶

Send money around the world with CIBC Global Money Transfer^™ for Business