Spend Alerts

Monthly budgeting made simple.
Once you've used your CIBC CreditSmart Spend Report online to set up monthly budgets, you can choose to be notified with CIBC CreditSmart Spend Alerts when your spending exceeds your budget. You can also choose to have an alert sent to you when you're approaching your credit limit, which can help avoid fees or inconvenience.† You can even let us know how you would like to be notified - by e-mail, phone or through your Online Banking Message Centre. If you decide not to receive spend alerts, you can simply track your budget on the spend report section of your monthly statement. How you manage your budget is up to you.

Personal Spend Manager

Track your credit card spending in customized categories that are personal to you.
With the CIBC CreditSmart Personal Spend Manager available through CIBC Online Banking - you can create and manage your own personal spending categories (such as "Wedding", "Basement Renovation", or "Business Expenses"). Once your categories are created, it's easy to track and manage your personal budgets. Simply assign transactions to categories as you see fit, and print a personalized summary report. Best of all, as your needs change you can change your categories along with them.

• Register/sign-on for Online Banking
• Apply for a CIBC VISA Card