Get the Full Service Physician Package

Expert advice 

A bank you can trust

Flexible banking services


Need access to cash for everyday expenses? 

CIBC Prime1 - 0.25%

for secured and unsecured loans and lines of credit

Talk to an advisor to find out how you can qualify for this special offer.

CIBC Smart™ Plus Account

Keep it simple with an all-in-one bank account.


(includes Interac e-Transfer® service2, ATM withdrawals3, money orders, bank drafts and stop payments4)

$0 or $29.95

Pay no monthly fee when you keep a minimum daily balance of $6,000 or $100,000 in savings and investments.

Assets in CIBC Personal Portfolio Services, CIBC Smart Investment Solutions and CIBC Premium Edge count towards your minimum daily balance.

CIBC Aventura® Visa Infinite* Card

Earn up to 35,000 Aventura Points. That’s up to $800 towards your next flight. Plus, get a rebate on your annual fees for the first year.


with your CIBC Smart™ Plus Account

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The primary cardholder’s fee is rebated for the first year and each additional card is rebated $50 (for up to 3 authorized users).8

Fixed and variable rate mortgages

Limited time offer

Get up to $2,500 cash back when you switch your mortgage to CIBC or when you buy your first home††.

Expert advice and great rates

If you’re a new physician, you can qualify for this offer based on your future earnings.

CIBC Home Power Plan®

Combine a mortgage with a home equity line of credit to enjoy ongoing access to funds at a low interest rate.

CIBC Prime1 - 0.25%

for line of credit

Manage your mortgage and line of credit under 1 plan

Use the value of your home to borrow money

Access your line of credit anytime

Only pay interest on the amount you use

Business Operating Account for Physicians

Running or starting a practice can be expensive — your bank fees shouldn’t be.



(with no minimum balance required)


Looking to build or expand your practice?

CIBC Prime1 - 0.25%

for secured and unsecured loans and lines of credit

Up to 24 months interest-only payments

on secured and unsecured borrowing

Up to 100% financing

for practice purchase price, startup or expansion costs

Talk to an advisor to find out how you can qualify for these special offers.

Business Plus Credit Cards

For a limited time, save the annual fee with a continuous rebate◊◊

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Managed Investments

CIBC Personal Portfolio Services®, 10

This portfolio is for investors who want personalized advice and to have their investments managed by a leading group of experts.


CIBC employee pricing

0.5% discount

off ongoing account-level management fees for investments for you and your spouse

Leave it to the experts

Investment managers monitor your portfolio and make adjustments to reflect current market conditions.

CIBC Smart Investment Solutions11

This portfolio is for investors who want to mix active and passive investments. Get access to modern investing solutions such as lower cost ETFs.


CIBC employee pricing

0.5% discount

off ongoing account-level management fees for investments for you and your spouse

Find the right fit

Whether you're an income-, balance- or growth-oriented investor, we have a portfolio for you.


CIBC Premium Edge12

Get $1 million eligibility threshold lowered to $500,000 in household assets for physicians.


Trading equities, ETFs, options, mutual funds and more with our award-winning online investing platform

A dedicated relationship manager and customized reporting

Flat-fee pricing

$6.95 per online equity trade

with no minimum trades or account balance

Active trader pricing

$4.95 per ETF trade

$4.95 plus $1.25 per option trade

(eligible if you make more than 150 trades per quarter)

These investment assets can help you get a CIBC Smart™ Plus Account fee rebate5.

Ready to get started?


Additional services

Physicians looking at x-rays

CIBC’s Advanced Business Operating Account™

Already operating a more mature practice? Get CIBC’s Advanced Business Operating Account. This account allows you to send 100 free Interac e-Transfer® transactions13, deposit up to $5,000 cash, $500 in coins and 50 cheques each month at no extra cost to you14.

Learn moreabout CIBC’s Advanced Business Operating Account.

Physician and patient chatting

CIBC SmartBanking™ for Business

Manage your practice more efficiently with CIBC SmartBanking™ for Business. It’s a dynamic digital solution that integrates business banking capabilities with industry-leading third-party services to help you make quick, informed decisions.

Learn moreabout CIBC SmartBanking for Business.

Two people shaking hands

Global Payments Solution

We’ll connect you with Global Payments for a seamless solution that’ll allow you to get debit and credit payments from your patients easily15.

Learn moreabout Global Payments.

Medical students in the classroom

Banking for medical and optometry students

Studying to become a doctor or an optometrist? We have a comprehensive banking bundle just for you. Start saving more today.

Learn moreabout banking for medical and optometry students.

Physician with patients
Physicians and patient

Talk to an advisor to get started