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1 A transaction includes cheques, withdrawals, transfers, pre-authorized payments, bill payments (including CIBC Credit Cards and CIBC Personal Lines of Credit) and debit purchases. 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® CIBC Mobile Banking®, CIBC Telephone Banking and at CIBC ATMs. For all accounts, transfers to CIBC-branded loans (excluding CIBC Personal Lines of Credit), mortgages and investments (registered and non-registered) are free. Other fees(in addition to the transaction fee) include: withdrawals from non-CIBC bank machines, Interac e-Transfer® transactions (The Interac e-Transfer® fee is waived for CIBC Smart Accounts, CIBC PremierService Accounts and for clients who are enrolled in CIBC Advantage for Youth, CIBC Smart for Students, CIBC Smart for Seniors (on the CIBC Smart Account) and CIBC Advantage for Students (on the CIBC Everyday Chequing Account) and transactions in foreign currency (including cheques written in currencies other than the account currency).
4 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. Bonus interest is earned on the first $5,000,000 of new balances until March 31, 2018 and only on days when net new deposits exceed the closing balance as of October 16, 2017. Bonus interest rate offer expires March 31, 2018. Interest is calculated daily on each day’s final balance and paid monthly. Other conditions apply. For more information, review the Terms and conditions (PDF, 77 KB)
5 Free Online transfers to other CDN$ 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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