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CIBC Business Investment Growth Account^®

A convenient account that lets you grow your money, so you can reach your business goals.

Get a savings account with the flexibility to access funds anytime, while you earn interest

LIMITED TIME OFFER

Get RDS%rate[3].BIGA.Published(null,0.0_up to_49999.99_CAD_Portion,1,6)(#O2#)% interest^† on new deposits into a CIBC Business Investment Growth Account®.

Meet with us

Call us: 1-866-992-7223Opens your phone app.

Get a competitive interest rate¹

Earn more interest on higher account balances.

Move money

Easily transfer funds between your business accounts.

Access funds anytime

Withdraw money from your account when you need it.

Business Investment Growth Account at a glance

Monthly fee²

Interest rate¹

RDS%rate[3].BIGA.Published(null,0.0_up to_49999.99_CAD_Portion,1,1)(#O2#)% to RDS%rate[3].BIGA.Published(null,5000000.01_-_1.0E7_CAD_Portion,1,1)(#O2#)%

Based on daily closing balance

No minimum balance

Earn interest on every dollar

Transactions³

$1.00 for each self-service⁴ credit transaction

$1.25 for each full-service⁵ credit transaction

$5.00 for each debit transaction

Fees and details

How do I open an account?

Complete the form and visit a CIBC Banking Centre:

Complete the Business Account Application and Agreement (PDF, 400 KB) Opens a new window in your browser.
All principal owners and anyone who will sign on the account must bring 2 pieces of valid ID to your appointment.
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Bring the records for your business type:

Ready to open an account?

Book a meeting with a CIBC business advisor at a banking centre near you.

Meet with us

One of our experts will call you back when it's convenient for you.

Request a callOpens a new window in your browser.

Call us for more information about opening your business account.

1-866-992-7223Opens your phone app.

It's more than just banking. We have the right advice and solutions for your business

Get expert advice

Get the right advice, services and support from specialists who understand your financial needs.

Meet with usTo get expert advice. Opens a new window in your browser.

Manage your cash flow

Access your transaction history through eStatements⁶. Review in and out cash flows with detailed reporting through CIBC SmartBanking^™for Business.

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Give access

Assign routine financial transactions and tasks to trusted individuals with CIBC Business Banking Customized Access. Get unlimited CIBC Business Banking Convenience Cards®.

Bank your way

View your account details anywhere, anytime through CIBC Online Banking® for Business and CIBC Mobile Banking®. Skip the trip to the bank and deposit cheques directly into your account with CIBC eDeposit®.

Advice and resources

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^GUIDE

Start Strong Program for Business

Draw the roadmap for your new business with ideas, insights and hands-on planning tools.

Learn more

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^ADVICE

Managing your business

Increase profits and improve cost control with the right tips, tools and resources.

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^ADVICE

Manage your money better

Avoid cash-flow shortages and plan for business success with our money-managing tips.

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Questions?

Top business banking questionsOpens a new window in your browser. Opens a new window in your browser.

Need to talk?

Get in touch. We're here to help.

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1-866-992-7223Opens your phone app.

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CIBC is a member of Canada Deposit Insurance Corporation (CDIC)

^† This is a combined promotional and regular annual interest rate paid on new deposits made to a CIBC Business Investment Growth Account after February 28, 2019. 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 February 28, 2019, and only on the portion of the deposited amounts in excess of the February 28, 2019, end of day final balance. The promotional rate is earned on the first $10,000,000 in excess of the February 28, 2019, 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 May 31, 2019. Interest is calculated daily on the end of day balance and paid monthly. Other conditions apply. To learn more, review the Terms and Conditions for the CIBC Business Investment Growth Account^® (BIGA) Promotional Interest Offer (PDF, 110 KB) Opens a new window in your browser..

Available to qualified business clients only.

¹ 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 subject to change without prior notice, and are on display at any CIBC Banking Centre.

² Other fees may apply to the operation of your account. To learn more, refer to pages 6 to 12 in Business Account Service Fees (PDF, 995 KB) Opens a new window in your browser..

³ Transactions include any debits and credits to your account (excluding CIBC interest credits and fee debits). Debits include, without limitation, withdrawals, cheques, pre-authorized payments, bill payments, Interac Direct Payments, Interac e-Transfer payments, direct deposits and transfers to other accounts. Credits include, without limitation, deposits, pre-authorized payments, bill payments, Interac Direct Payments, Interac e-Transfer payments, and direct deposits and transfers from other accounts (except transfers from CIBC business accounts). Additional charges may apply including, without limitation, Interac e-Transfer, “Items Deposited” and “Currency Supplied” fees where applicable.

⁴ Self-service refers to cheques written as well as transactions performed through an ATM, Point of Sale terminal, ABM-Wallet Combo Depository Service, CIBC Telephone Banking Automated Service, CIBC Business Contact Centre Automated Service, CIBC Online Banking, SmartBanking^® for Business (SmartBanking), CMO, CIBC eDeposit for cash, or CIBC eDeposit for cheques.

⁵ Full-service refers to transactions performed in a CIBC Banking Centre, through a CIBC Telephone Banking representative, through a CIBC Business Contact Centre representative, or through the regular Wallet Depository Service.

⁶ 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.

Trademarks

CIBC Business Investment Growth Account®

Get a savings account with the flexibility to access funds anytime, while you earn interest

Get a competitive interest rate1

Move money

Access funds anytime

Business Investment Growth Account at a glance

Monthly fee2

Interest rate1

No minimum balance

Transactions3

How do I open an account?

Complete the form and visit a CIBC Banking Centre:

Bring the records for your business type:

Ready to open an account?

It's more than just banking. We have the right advice and solutions for your business

Get expert advice

Manage your cash flow

Give access

Bank your way

Advice and resources

GUIDE

Start Strong Program for Business

ADVICE

Managing your business

ADVICE

Manage your money better

Ways to bank

Products and services

Resources

Need to talk?

CIBC Business Investment Growth Account^®

Get a competitive interest rate¹

Monthly fee²

Interest rate¹

Transactions³

^GUIDE

^ADVICE

^ADVICE