Give your money dual-citizenship

Deposit, withdraw and save U.S. funds with ease.

CIBC US$ Personal Account

    If you regularly deal with U.S. funds, this account will make your everyday banking much more convenient.

  • Deposit & withdraw U.S. funds without converting
  • NO monthly fee
  • Earn interest on every dollar you save


An easy way to manage your U.S. money

  • Deposit or withdraw U.S. funds without converting currencies
  • Withdraw U.S funds from any branch or CIBC U.S. currency bank machine
  • Transfer funds to other accounts at any CIBC branch or through CIBC Online Banking®
  • Write US dollar cheques1 to pay for purchases in Canada and the U.S.
  • Earn interest on every dollar you save

Rates & Fees

Earn Interest

When your balance is: You earn an interest rate of:
Up to $2,999.99 %
$3,000 to $9,999.99 %
$10,000 to $24,999.99 %
$25,000 to $59,999.99 %
$60,000 and over %

All rates

Monthly feesNone
- Cheques
- Withdrawals (including ATM)
- Transfers
- Pre-authorized payments
- Bill payments
- Debit purchases
$0.75 US
Sending Interac e-Transfer®N/A
Receiving Interac e-Transfer®N/A
Non-CIBC bank machine withdrawalN/A
Account inquiriesFree
Paperless record keeping1Free

Personal Account Service Fees (260 KB)


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.

More ways to save

This CIBC U.S. Dollar Visa™ Card offers:
  • Regular access to credit with billing in U.S. funds
  • Savings on foreign exchange conversions when paying your U.S. dollar Visa bill in U.S. funds
  • Simplified small business transactions in the U.S.

Learn more

More ways to save if you’re over 60

The CIBC 60 Plus Advantage® offers:
  • 2 free transactions1 on the CIBC US$ Personal Account
  • Free bank drafts and money orders
  • $5 off the annual rental fee for a safety deposit box (any size, subject to availability)
  • CIBC US$ Personal Account with the 60 Plus Advantage

Learn more


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Terms and Conditions

Products and their features may change at any time.

This is a general description only. Get complete information about fees here.

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 online transfers to your other CIBC personal 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.

U.S. and other foreign currency deposits are not insured by Canada Deposit Insurance Corporation. For a complete listing of CDIC eligible CIBC Deposits see CDIC Deposit Insurance Information

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