† 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.