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Get a specialized level of care and financial advice for physicians — on your time
At CIBC we bring the best of our bank to you. Meet with a CIBC healthcare specialist on your schedule and get the best rates on mortgages and investments.
Special offer CIBC offers preferred pricing to physicians on mortgages and investments.
Get the full service physician package
Receive the specialized care you deserve with exclusive rates and access to a personalized suite of products designed to help physicians like you.
Preferred pricing
Physicians get preferred rates on mortgages and investments, with clear pricing and no hidden fees.
Specialized financial care
Our team of CIBC healthcare specialists are trained experts in your unique needs as a physician. They’re your one-stop shop for specialized advice and support.
Flexible banking services
Your time is valuable. We keep things simple by addressing your needs quickly and on your schedule.
Preferred pricing on CIBC mortgages
Exclusive offer
Get up to $3,500 cash back◊◊ on select mortgages or switch to a CIBC mortgage and receive up to $4,500 cash back✧.
Includes
Access to preferred rates and expert advice
If you’re a new physician, you can qualify for this offer based on your estimated 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.
Preferred interest rate
CIBC Prime1 - 0.25%
for line of credit
Key benefits
Manage your mortgage and line of credit under 1 plan
Use the value of your home to borrow money
Flexible options to include a co-borrower who doesn’t own the mortgaged property19
Access your line of credit anytime
Only pay interest on the amount you use
Borrowing
Need access to cash for everyday expenses?
Preferred interest rate
Talk to an advisor to find out how you can qualify for this special offer.
CIBC eAdvantage® Savings Account
Special offer
Save more, faster. Get RDS%rate[3].CESA.Published(null,0.0_and over_0.0_CAD_Bonus,1,1)(#O2#)%† for 3 months when you open your first CIBC eAdvantage Savings Account. Limits apply.
Includes
No minimum balance requirement
Smart Interest2 on up to $200,000 when you save $200 or more a month.
No monthly fee; $5 per transaction3
CIBC Aventura® Visa Infinite* Card
Digital exclusive offer
Earn up to 35,000 Aventura Points. Plus, get a first-year annual fee rebate.††
Included
with your CIBC Smart™ Plus Account
Interest rates
RDS%rate[2].VWVA.Published(null,null,6,null)(#O2#)%
(20.99% effective the first day of your October 2021 statement period) for purchases4
RDS%rate[2].VWVA.Published(null,null,3,null)(#O2#)% for cash4 (or RDS%rate[2].VWVA.Published(null,null,90,null)(#O2#)% for Quebec residents)
Annual fee5
$139 (first year rebated)
Business Operating Account for Physicians
Running or starting a practice can be expensive — your bank fees shouldn’t be.
Transactions included7
Monthly fee
Borrowing
Looking to build or expand your practice?
Preferred interest rate
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.
CIBC Business Plus Credit Cards
Special offer
Healthcare Professionals Offer✦
CIBC Aventura® Visa* Card for Business Plus
Earn up to 35,000 Aventura Points and a continuous annual fee rebate✦
Interest rates
19.99% for purchases
RDS%rate[2].VWIAG.rate(null,null,3,null)(#R#)% for cash
Annual fee
CIBC Aeroplan® Visa* Business Plus Card
Earn up to 25,000 Aeroplan points and a continuous annual fee rebate✦
Interest rates
19.99% for purchases
22.99% for cash
Annual fee
Credit approval based on business.
Managed investments
CIBC Personal Portfolio Services®, 8
This portfolio is for investors who want personalized advice and to have their investments managed by a leading group of experts.
Includes
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 Solutions9
This portfolio is for investors who want to mix active and passive investments. Get access to modern investing solutions such as lower cost ETFs.
Includes
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.
Do-it-yourself investing
CIBC Premium Edge10
Special offer
Physicians get the $1 million eligibility threshold lowered to $500,000 in household assets.
Includes
Trading equities, ETFs, options, mutual funds and more with our award-winning online investing platform
A priority service team and customized reporting
Flat-fee pricing
$4.95 per online equity trade
with no minimum trades or account balance
These investment assets can help you get a CIBC Smart™ Plus Account fee rebate5.
Experience more of the world knowing we’ve got options that make banking easier regardless of your destination.
Cross-border banking
Savings account
Deposit, withdraw and save your U.S. dollars without worrying about currency fluctuations.
Chequing account
If you live, travel, shop or work in the U.S., now you can transfer cash, pay U.S. bills and spend money with ease.
Credit card
Bundle and save
Enjoy an annual fee rebate if you have either a CIBC US$ Personal Account or a CIBC Bank USA Smart Account, and a premium CIBC personal credit card.‡
Travel rewards card
CIBC Aventura® Visa Infinite Privilege* Card
Bundle and save
Annual fee rebate of up to $139 if you have a CIBC Smart Plus™ Account.
- Earn up to 60,000 Aventura points – the equivalent of $1,200 or 3 short-haul flights
- Enjoy an annual $200 travel credit
- Effective July 1, 2022: Elevate your airport experience with 6 complimentary visits at 1,200+ lounges globally through Visa Airport Companion Program
- Get 2 NEXUS application fee rebates every 4 years
Foreign Exchange at Preferred Rates
Special offer
Planning a vacation? Make trip planning easy by ordering foreign cash through your advisor. Physicians can order up to 65 currencies at preferred rates.
Preferred pricing on CIBC mortgages
Exclusive offer
Get up to $3,500 cash back◊◊ on select mortgages or switch to a CIBC mortgage and receive up to $4,500 cash back✧.
Includes
Access to preferred rates and expert advice
If you’re a new physician, you can qualify for this offer based on your estimated 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.
Preferred interest rate
CIBC Prime1 - 0.25%
for line of credit
Key benefits
Manage your mortgage and line of credit under 1 plan
Use the value of your home to borrow money
Flexible options to include a co-borrower who doesn’t own the mortgaged property19
Access your line of credit anytime
Only pay interest on the amount you use
Borrowing
Need access to cash for everyday expenses?
Preferred interest rate
Talk to an advisor to find out how you can qualify for this special offer.
CIBC eAdvantage® Savings Account
Special offer
Save more, faster. Get RDS%rate[3].CESA.Published(null,0.0_and over_0.0_CAD_Bonus,1,1)(#O2#)%† for 3 months when you open your first CIBC eAdvantage Savings Account. Limits apply.
Includes
No minimum balance requirement
Smart Interest2 on up to $200,000 when you save $200 or more a month.
No monthly fee; $5 per transaction3
CIBC Aventura® Visa Infinite* Card
Digital exclusive offer
Earn up to 35,000 Aventura Points. Plus, get a first-year annual fee rebate.††
Included
with your CIBC Smart™ Plus Account
Interest rates
RDS%rate[2].VWVA.Published(null,null,6,null)(#O2#)%
(20.99% effective the first day of your October 2021 statement period) for purchases4
RDS%rate[2].VWVA.Published(null,null,3,null)(#O2#)% for cash4 (or RDS%rate[2].VWVA.Published(null,null,90,null)(#O2#)% for Quebec residents)
Annual fee5
$139 (first year rebated)
Business Operating Account for Physicians
Running or starting a practice can be expensive — your bank fees shouldn’t be.
Transactions included7
Monthly fee
Borrowing
Looking to build or expand your practice?
Preferred interest rate
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.
CIBC Business Plus Credit Cards
Special offer
Healthcare Professionals Offer✦
CIBC Aventura® Visa* Card for Business Plus
Earn up to 35,000 Aventura Points and a continuous annual fee rebate✦
Interest rates
19.99% for purchases
RDS%rate[2].VWIAG.rate(null,null,3,null)(#R#)% for cash
Annual fee
CIBC Aeroplan® Visa* Business Plus Card
Earn up to 25,000 Aeroplan points and a continuous annual fee rebate✦
Interest rates
19.99% for purchases
22.99% for cash
Annual fee
Credit approval based on business.
Managed investments
CIBC Personal Portfolio Services®, 8
This portfolio is for investors who want personalized advice and to have their investments managed by a leading group of experts.
Includes
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 Solutions9
This portfolio is for investors who want to mix active and passive investments. Get access to modern investing solutions such as lower cost ETFs.
Includes
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.
Do-it-yourself investing
CIBC Premium Edge10
Special offer
Physicians get the $1 million eligibility threshold lowered to $500,000 in household assets.
Includes
Trading equities, ETFs, options, mutual funds and more with our award-winning online investing platform
A priority service team and customized reporting
Flat-fee pricing
$4.95 per online equity trade
with no minimum trades or account balance
These investment assets can help you get a CIBC Smart™ Plus Account fee rebate5.
Experience more of the world knowing we’ve got options that make banking easier regardless of your destination.
Cross-border banking
Savings account
Deposit, withdraw and save your U.S. dollars without worrying about currency fluctuations.
Chequing account
If you live, travel, shop or work in the U.S., now you can transfer cash, pay U.S. bills and spend money with ease.
Credit card
Bundle and save
Enjoy an annual fee rebate if you have either a CIBC US$ Personal Account or a CIBC Bank USA Smart Account, and a premium CIBC personal credit card.‡
Travel rewards card
CIBC Aventura® Visa Infinite Privilege* Card
Bundle and save
Annual fee rebate of up to $139 if you have a CIBC Smart Plus™ Account.
- Earn up to 60,000 Aventura points – the equivalent of $1,200 or 3 short-haul flights
- Enjoy an annual $200 travel credit
- Effective July 1, 2022: Elevate your airport experience with 6 complimentary visits at 1,200+ lounges globally through Visa Airport Companion Program
- Get 2 NEXUS application fee rebates every 4 years
Foreign Exchange at Preferred Rates
Special offer
Planning a vacation? Make trip planning easy by ordering foreign cash through your advisor. Physicians can order up to 65 currencies at preferred rates.
Ready to get started?
You have important goals and we'll help you reach them.
Get tailored advice that's right for your practice.
One of our advisors will call you back when it's convenient for you.
You’ll need a bachelor or post-graduate degree in medicine or optometry and a license to practice in Canada to apply.