CIBC Unlimited® Chequing Account

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

Earn up to 40,000 TELUS Rewards points
with a CIBC TELUS Rewards® Visa* Card and a select bank account.
Learn moreabout the CIBC TELUS Rewards Visa Card Offer

Our most flexible chequing account

Monthly Fees $13.95
  • Cheques
  • Withdrawals (including ABM)
  • 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


Better ways to bank with CIBC

Innovative banking

Award winning mobile and online banking – take care of all your day-to-day banking on your smartphone, tablet or online.

Extensive ATM network

CIBC has one of the largest bank machine networks in Canada – so you can access your money when and where you want to.

Longer hours

Many of our 1,100+ branches stay open later, with some open on Sundays, so you can bank around your schedule and not the other way around.

Expert advisors

Our advisors can help you make the most of your money and minimize fees, by offering personalized expert advice and solutions that fit your needs.


Enter your question in sentence form, e.g.: What types of accounts does CIBC offer?

Top 10 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.