An account that fits your busy life

CIBC Unlimited® Chequing Account

With this account, you can make as many debit purchases, withdrawals, and other transactions as you need – all for a low flat monthly fee. Plus, get 24/7 global access to your money.

  • Flat monthly fee of $13.95
  • Unlimited free transactions1 every month
  • Free paperless record-keeping2 and account inquiries
  • Shop online and around the world with your CIBC Advantage Debit Card®
  • Receiving Interac eTransfers® is free
What is VISA* Debit?

An enhanced debit card that uses the VISA network to process debit payments.

What it means for you

You can continue to pay by debit at stores in Canada. The enhancement lets you pay by debit online, by phone, by mail and in person anywhere in the world where Visa or Visa Debit are accepted, with the added security from Visa.

Learn more: the CIBC Advantage Debit Card

Our most flexible chequing account

Monthly Fees $13.95
  • Cheques
  • Withdrawals (including ATM)
  • Transfers
  • Pre-authorized payments
  • Bill payments
  • Debit purchases
Sending INTERAC e-Transfers® 2 free per month and $1.50 thereafter + transaction fee, if applicable2
Non-CIBC bank machine withdrawal $1.50 each + transaction fee, if applicable
Personal Account Service Fees
Additional Service Fees


Find the right account for you

I want unlimited

CIBC Unlimited Chequing Account

Apply Now: For a CIBC Unlimited Chequing Account
  • Unlimited transactions
  • $13.95 monthly fee
  • 2 FREE Interac e-Transfers® per month


Bank anywhere, anytime, on any device

More on mobile

Take a picture and deposit a cheque. Use your phone to pay for coffee. Connect to your Apple Watch™. Our award-winning mobile banking apps do all this and more.

Performance online

Track your spending, pay bills, transfer money – even set a savings goal for the future. CIBC Online Banking has it all. And we’ve got the awards to prove it.

ATMs are nearby

We’ve got cash. Even U.S. cash. With almost 4,000 bank machines across Canada, you’re sure to find an ATM close to you.

Make it personal

Bank evenings and weekends at many of our 1,100+ branches, or chat with an agent online. If you need to talk money, our advisors are available. Find a branch nearby.


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See the Top 10 Most-Asked Questions

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® and CIBC Mobile Banking®. Additional fee(s) apply to withdrawals from non-CIBC bank machines, Interac e-Transfer® transactions and transactions in foreign currency (including cheques written in currencies other than the account currency). These fees apply to all customers, including CIBC Advantage for Youth, CIBC Advantage for Students and CIBC 60 Plus Advantage customers. For Everyday Chequing and EverydayPlus Chequing there is a $1.00 fee for each additional transaction over the monthly limit.

2"Paperless" record keeping is a paper-free alternative to statements and bankbooks. This option enables customers to track account activity online or by phone or CIBC bank machine. Please note, no electronic or printed statements will be sent to customers selecting this option. Customers must review their account transactions through CIBC Online or Mobile Banking, CIBC Telephone Banking or CIBC bank machines at least once every 30 days and examine all entries and balances at that time. If there are any errors, omissions or irregularities, customers must notify CIBC in writing within 60 days after the date on which the entry was, or should have been, posted to the account. Banking activity that occurred prior to Online Banking registration will not be available in the Online or Mobile Banking transaction history.

3 The regular fee applies to sending any additional Interac e-Transfers®. Transfers cannot be carried forward to subsequent months.