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* This is a combined bonus and regular annual interest rate paid on new deposits made to a CIBC eAdvantage Savings Account (“eSA”) when the account balance is $5,000 or more. The bonus and/or regular rates may change at any time without prior notice. The regular interest rate is paid on the full daily closing balance when the balance is $5,000 or more. The bonus rate is earned only on new deposits and only on days when the new deposits result in a full daily closing balance that exceeds the closing balance on October 30, 2015 (the New Balance). Bonus interest rate offer expires February 29, 2016. Interest is calculated daily on each day’s final balance and paid monthly. Interest rates are subject to change. Other conditions apply.
1 For Canadian dollar accounts, a transaction includes the following: cheques, withdrawals, transfers, pre-authorized payments, bill payments (including CIBC Credit Cards and CIBC Personal Lines of Credit) and debit purchases. For CIBC Bonus Savings Accounts, a transaction also includes transfers to another account. For CIBC eAdvantage Savings Accounts, a transaction does not include transfers to your other CIBC bank account(s) using the transfer function on CIBC Online Banking® and CIBC Mobile Banking®).
Additional fee(s) apply to withdrawals from non-CIBC bank machines, Interac e-Transfers® (waived for CIBC Advantage for Students) and foreign currency transactions (including cheques written in currencies other than the account currency). These fees apply to all customers, including CIBC Advantage for Youth and CIBC 60 Plus Advantage customers.
For CIBC US$ Personal Accounts, a transaction includes in-branch withdrawals, pre-authorized payments, cheques, and withdrawals at CIBC U.S. dollar bank machines. Transfers from US$ Personal Accounts to Canadian dollar accounts and vice-versa will be treated as transactions.
3 Monthly fee is waived if you maintain a minimum monthly balance of $2,000.
4 Interest rates on balances of $3,000 (CIBC Bonus Savings Account) or $5,000 (CIBC eAdvantage Savings Account) or more.
5 Free Online transfers to other CDN$ CIBC personal bank accounts (excludes INTERAC e-Transfer® which will be treated as a transaction).
6 "Paperless" record keeping enables customers to track account activity online, by phone or bank machine within the CIBC network. Please note, no electronic or printed statements will be sent to customers with this option. Customers must review their account transactions through CIBC Online Banking, CIBC Telephone Banking or bank machines within the CIBC network at least once every 30 days and examine all entries and balances at that time.
7 CIBC’s standard credit criteria apply.
8 Please see the Personal Account Service Fee brochure available at cibc.com or in-branch for a description of everyday banking transactions that are included in the CIBC Smart Account monthly fee and fees for other Personal Banking Services.
9 The additional $1.50 service fee has been removed for sending Interac e-Transfers®. Each Interac e-Transfer you send counts as a transaction for the calculation of your monthly fee.
Interac and Interac e-Transfer® are trademarks of Interac Inc.; CIBC authorized user of the marks. CIBC Cube Design & “Banking that fits your life” are trademarks of CIBC. All other trademarks are owned by CIBC.
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