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

Get up to $300 cash
when you open a CIBC Unlimited® Chequing Account.
Learn more

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
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

On your phone

Take a picture and deposit a cheque with CIBC eDeposit™, or pay for purchases with the CIBC Mobile Payment™ App.

Online and on the go

Pay bills, transfer money, check your statements and more, with award-winning CIBC Online Banking, or Mobile Banking (available on Apple Watch, iOS, Android and BlackBerry).

When you want

Bank after work and on weekends at many of our 1,100+ branches, or at any of our bank machines.
Find a branch or ATM close to you.

With an advisor

Make the most of your money with the help of our expert advisors. Chat with an agent or visit a branch.


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

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.