CIBC Business Investment Growth Account®

The CIBC Business Investment Growth Account* offers the opportunity to earn a competitive rate of return on surplus funds while maintaining full liquidity. It is the perfect complement to your business operating account and gives you easy access to your funds when you need them.

Key benefits

Competitive interest rates	Achieve growth on your surplus funds with competitive interest rates at all tiers Earn daily interest calculated on each day's end of day final balance No minimum balance required or maximum balance limitations
Facilitates cash flow	Easily transfer funds between this account and your CIBC Business Operating Account electronically Maintain full access to your funds Access detailed transaction reporting such as printed statements¹, eStatements² on CIBC Online Banking^® and CIBC Cash Management Online^®(CMO) and additional reporting available through CMO to understand in and out cash flows
Bank where and when you want	Access your account 24 hours a day, 7 days a week through CIBC Online Banking, CIBC Mobile Banking^®, CMO³, CIBC Mobile Business^® CIBC Telephone Banking or CIBC Automated Banking Machines Extended banking hours with many CIBC branches open on Saturdays and Sundays Deposit cheques remotely into your CIBC Business Investment Growth Account using one of our CIBC eDeposit solutions

Is it for you?

The CIBC Business Investment Growth Account could be for you if you:

Want to earn a competitive interest rate on your surplus funds with no balance limitations
Want to have full access to your surplus funds
Want access to detailed paper or electronic reporting of in and out cash flows

Information you need to know:

Available in Canadian dollars only
Available to business clients only

Tools and Resources

Business Account Information

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Interest
For CIBC Business Investment Growth Accounts, interest is credited to your account effective as of the last business day of the calendar month and will be reflected in your account records and available to you two business days after the end of the calendar month. Interest rates quoted are annual and are subject to change without prior notice and are on display at any branch.

Products and their features may change at any time. Get complete information about Business Account Service Fees (PDF, 995 KB) .

^* Available to qualified Business clients only.

** This is a combined promotional and regular annual interest rate paid on new deposits made to a CIBC Business Investment Growth Account after July 31, 2018. The promotional and regular rates may change at any time without prior notice. Ask a CIBC advisor for current regular interest rates. The promotional rate is earned only on days when the end of day final balance exceeds the end of day final balance on July 31, 2018, and only on the portion of the deposited amounts in excess of the July 31, 2018, end of day final balance. The promotional rate is earned on the first $10,000,000 in excess of the July 31, 2018, end of day final balance. Balances in excess of $10,000,000 will receive regular annual interest only. If multiple CIBC Business Investment Growth Accounts are owned by a client, all account balances will be aggregated for the purpose of calculating promotional interest. Promotional interest rate offer expires October 31, 2018. Interest is calculated daily on the end of day balance and paid monthly. Other conditions apply. Read the full Promotional Offer Terms and Conditions (PDF, 110 KB)

¹ Printed statement fee will apply.

² eStatements are available once a month at month end on CIBC Online Banking or based on your preferred statement cycle on CIBC Cash Management Online (CMO). To view eStatements on CIBC Online Banking, you must be a Signatory or Co-Signatory and registered for CIBC Online Banking. To view eStatements on CMO, you must be registered for CMO, entitled to one or more business accounts and entitled to eStatements. Included with CMO monthly Maintenance fee.

³ CMO monthly Maintenance fee will apply.

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