† CIBC Prime means the variable interest rate determined by CIBC from time to time to be the CIBC Prime rate for Canadian dollar lending products. CIBC Prime rate may change without notice. Your interest rate will vary whenever CIBC Prime rate varies and/or whenever we change your variable interest rate in our sole discretion. For the current CIBC Prime rate, visit Rates for Loans and Lines of Credit.
Approval subject to applicants meeting CIBC’s normal lending criteria as well as eligibility criteria associated with the CIBC Full Service Physician Package. Credit limit is determined by CIBC, in its sole discretion.
1 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 (including CIBC credit cards and CIBC Personal Lines of Credit), 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. Please refer to CIBC’s Business Account Service Fee brochure.
For CIBC eAdvantage Savings Accounts, a transaction doesn’t include transfers to your other CIBC bank account(s) using the transfer function on CIBC Online Banking, the CIBC Mobile Banking® App, CIBC Telephone Banking and at CIBC ATMs. For all accounts, transfers to CIBC-branded loans (excluding CIBC Personal Lines of Credit), mortgages and investments (registered and non-registered) are free. "CIBC-branded” means any brand that has CIBC in its name and is offered by CIBC or its Canadian affiliates (and does not include CIBC Bank USA). Other fees (in addition to any transaction fee) include withdrawals from non-CIBC bank machines, Interac e-Transfer transactions (the Interac e-Transfer fee is waived for CIBC Smart Accounts, CIBC PremierService Accounts and for clients who are enrolled in CIBC Advantage for Youth, CIBC Smart for Students, CIBC Smart for Seniors (on the CIBC Smart Account) and CIBC Advantage for Students (on the CIBC Everyday Chequing Account) and transactions in foreign currency (including cheques written in currencies other than the account currency).
2 Clients enrolling in the CIBC PremierService Account as part of Full Service Physician Package are eligible for a monthly fee waiver. This offer is valid until May 2019.
3 CIBC Personal Portfolio Services is a discretionary investment management service provided by CIBC Trust Corporation and distributed by CIBC Investor Services Inc., subsidiary of CIBC, to individuals with household investable assets greater than $100,000.
4 Premium Edge is available through CIBC Investor’s Edge. CIBC Investor’s Edge is the self-directed brokerage division of CIBC Investor Services Inc.
5 At CIBC Imperial Service, investment advice and services are provided by CIBC Imperial Investor Service (“IIS”) division of CIBC Investor Service Inc. (“ISI”) or by CIBC Securities Inc. (“SI”), and in Quebec by SI. ISI is a subsidiary of CIBC, Member of the Investment Industry Regulatory Organization of Canada. SI is a subsidiary of CIBC and member of the Mutual Fund Dealers Association of Canada.
CIBC Imperial Service is part of Canadian Imperial Bank of Commerce (“CIBC”). Banking products and services are provided by CIBC. Financial planning, investment products and services are provided through CIBC Investor Services Inc. (“ISI”), member of the Investment Industry Regulatory Organization of Canada.