CIBC Small Business Convenience Card®
Your key to banking any time, anywhere
With the CIBC Small Business Convenience Card, you'll benefit from the convenience of banking when and where you want.
The CIBC Small Business Convenience Card also allows you to take advantage of the industry leading CIBC Small Business Customized Access™ feature - so you can customize each delegate's access to your accounts, giving you more time to focus on running your business and greater control over your cash flow.
If your Convenience Card doesn't have the CIBC Small Business logo on it, talk to us to find out how you can start doing your business banking faster, more easily and more conveniently.
Bank from where you want, when you want*
Enjoy the convenience of being able to conduct your banking through the channels that best suit your needs - in branch, CIBC Instant Teller machines®, INTERAC† Direct Payment, Telephone Banking or Online Banking
Do more with your card
Save time by using Telephone Banking or Online Banking to perform banking tasks such as:
- Paying or adding new registered bills, transferring funds, arranging for stop payments or viewing your CIBC business accounts in one place through CIBC Online Banking - including CIBC deposit accounts, VISA accounts, loans, lines of credit and mortgages
- Making balance inquiries, or changing your address online or through Telephone Banking
- Applying for credit up to $100,000, including overdraft protection through Telephone Banking
- Filing information and paying government business taxes online
Get the recognition you deserve
Your card ensures you are recognized as the primary signing authority so we can better service you - regardless of how you choose to bank.
Enhanced flexibility and control with Customized Access
- Maximize your time by assigning routine financial transactions and tasks to delegates with Customized Access
- Tailor the access levels assigned to each of your delegates according to their responsibilities
- Revoke or change access at any time
- Monitor account activities by primary signing authority and Delegate Card on your monthly statement or online
Is it right for my business?
Consider the CIBC Small Business Convenience Card if you:
- Own or manage a small business
- Have a CIBC Business Operating Account™, CIBC Business Interest Account® or CIBC U.S. Dollar Current Account
- Want to take advantage of CIBC Small Business Customized Access
Information you need to know
| Additional cards | Receive an unlimited number of CIBC Small Business Convenience Cards (including Delegate Cards) at no additional charge. |
| What you can do with the card | |
| Choose from the banking channels that best meet your needs depending on the task you need to complete: | |
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| Security and protection | To reduce the risk of fraud, Convenience Cards and PINs (Personal Identification Number) should never be shared. For your convenience and security, you have the option of providing Delegate Cards to employees who conduct routine financial transactions and tasks on your behalf. Each cardholder is provided with a PIN to ensure that only they have access to their account(s). For additional protection, account activity can be monitored by card number and Delegate Cards can be easily cancelled or adjusted to change access levels. |
| Accessible accounts | Your card can be linked to:
Personal accounts and VISA Cards (including CIBC bizline™ VISA Card and Aerogold®1 VISA Card for Business) can also be attached to Small Business Convenience Cards provided the individual making the request is the sole signing officer on the business account and has full signing authority (e.g. authority to sign alone) on the personal accounts attached to the card. If there is more than 1 signing authority associated with the business account, the signing officers must have full signing authority (e.g. authority to sign alone) on both the business accounts and personal accounts attached to the card (for example, husband and wife signing authorities). Corporate VISA Cards can only be added as a bill payment. |
| Limits | The ABM limit is $1,000 per day and the limit for INTERAC Direct Payments is $3,000. Delegate Cards can be set up with much lower daily limits or no access to cash. |
| How to get your card | Small Business Convenience Cards can be issued, replaced or updated at your home branch. |
 | Protect Your PIN It's important for you and your delegates to protect your PIN numbers. Otherwise you could be liable for unauthorized transactions.
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The above is intended to be only a general description of this product and its features. Some conditions may apply. CIBC reserves the right to change or discontinue this product or any of its features at any time. This product and its features shall be subject to the terms and conditions of the applicable agreement governing its use.
* Use of CIBC Instant Teller machines and INTERAC Direct Deposit available if Business Operating Account with Additional Option is selected.
® Registered trademark of CIBC
™ Trademark of CIBC
† Trademark of Interac Inc. CIBC authorized user of the trademark.
** Visa Int./lic. Users
®1 Aerogold and Aeroplan are Registered Trademarks of Aeroplan Limited Partnership. CIBC Authorized Licensee of Marks.
Copyright® 2008 Canadian Imperial Bank of Commerce. All rights reserved.