Partnership through residency and beyond


Expert advice

Flexible financing

Line of credit

You’re eligible for the CIBC Professional Edge® Program while you’re completing your training. 


at CIBC Prime2  minus  0.25% (currently)
Apply once to access the full line of credit

Make interest-only payments for up to 24 months after your residency3

After 24 months, convert to a personal line of credit after completing your training and maintain your interest rate

CIBC Smart Plus Account


Enjoy a free CIBC Smart Plus Account1, featuring unlimited ATM withdrawals whether you’re located in Canada, the U.S. or internationally.


Save $1,400.1 Get your monthly fee rebated for up to 4 years.

Up to $1,0004


Includes Interac e-Transfer® service6, ATM withdrawals7, money orders, bank drafts and stop payments8

CIBC Aventura® Visa* Infinite Card

Earn up to 35,000 Aventura Points — that’s up to $800 towards your next flight.9

Get extra perks, including access to over 1,200 airport lounges and a NEXUS application rebate9.

19.99% for purchases10
22.99% for cash10, or 21.99% if you are a Quebec resident 


The primary cardholder’s fee is rebated for the first year and each additional card is rebated $50 (for up to 3 authorized users). 11

Employee pricing on CIBC mortgages

Ready to buy a home? You can qualify for employee mortgage rates now based on your future earnings while completing your residency or specialization.

Get up to $3,00012

when you switch your mortgage to CIBC or when you buy your first home.12

Have a CIBC Mortgage Advisor visit you at work or home.

Find a mortgage advisor todayOpens a new window in your browser.

Business Operating Account for Physicians

Whether you decide to incorporate or not, every practicing physician needs a business account. Start saving now with our Business Operating Account for Physicians.



(with no minimum balance required)

Premium business credit card

With the CIBC Aventura® Visa* Card for Business Plus, you can save the annual fee with a continuous rebate14 and get up to 35,000 Aventura Points14. That’s up to $800 towards your next flight.

Keep your business expenses and personal expenses separate, at no cost.


19.99% for purchases10
22.99% for cash10 

Ready to get started?


Frequently asked questions

Additional services

Couple talking as they relax on couch

CIBC Pace It™

Whether it's home renovations or replacing old appliances, buy the things you've been saving up for now. CIBC Pace It lets you pay for eligible credit card purchases that are $250 and over with an Installment Plan. Convert your eligible purchases online.

Learn moreAbout CIBC Pace It Installment Plans.

Doctor with a patient

Banking for physicians

Whether you're a new doctor or an established physician, we understand that you have unique financial needs. CIBC’s personalized services and special offers can help you at every stage of your medical career.

Learn moreabout banking for physicians.