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What is Cash Management?
Keep your business cash flow positive
Balance 3 elements: what you are owed by the customers, what you owe to suppliers and the amount of money you owe that may exceed your available funds. Hold the right amount of cash to meet your immediate and long-term needs.
Take charge of your payments, accounting and reporting
Explore a wide selection of our services to meet your payables and receivable needs. You can also balance your books and reduce errors by using accounting software and payroll services from our third-party service providers.
Use the platform that fits your business
Connect directly to online banking for your daily business banking like bill payments, account transfers and business credit cards. Sign on to SmartBanking for comprehensive cash management needs with support for multi-signatory accounts, payment approval entitlements and more.
Send funds to anyone with an email address, mobile phone number or Canadian bank account. It’s easy and safe.
Access with:
SmartBanking
Online and mobile banking
Make recurring payments to any bank account in Canada and submit electronic payment files with multiple due dates using electronic funds transfer (EFT) direct deposit. Pay your recipients electronically to save time on buying and preparing cheques, potential delays from regular mail, and save your recipients the inconvenience of processing deposits.
Access with:
SmartBanking
Send large amounts of money securely to recipients in Canada or abroad with wire payments. Pay in any major currency, so you're in control of your foreign exchange costs. The online service lets you initiate time-sensitive wire payments from your personal computer anywhere, anytime.
Access with:
SmartBanking
At a branch
Take care of one bill, or several at once, when it's convenient for you. Make online payments at home, at work and everywhere in between.
Access with:
Online and mobile banking
SmartBanking
Cover everyday business expenses or make emergency payments if you're in a cash crunch. Earn more rewards, access premium privileges and build your credit when you pay with a credit card.
Access with:
Credit cards
Online and mobile banking
Send money to recipients in the U.S. quickly and securely with automated clearing house (ACH). Enjoy faster processing times and cost savings when you send payments electronically. Save your recipients the inconvenience of processing deposits.
Access with:
SmartBanking
Securely send up to $25,000 per Interac e-Transfer payment, with support for multi-signatory accounts and payment approval entitlements.
Access with:
Smartbanking
Make recurring payments to any bank account in Canada and submit electronic payment files with multiple due dates using electronic funds transfer (EFT) direct deposit. Pay your recipients electronically to save time on buying and preparing cheques, potential delays from regular mail, and save your recipients the inconvenience of processing deposits.
Access with:
SmartBanking
Send funds to anyone with an email address, mobile phone number or Canadian bank account. It’s easy and safe.
Access with:
Online and mobile banking
Send money to over 120 countries, for a $0 transfer fee, with CIBC Global Money Transfer™ for Business.2
File and pay your federal and provincial business taxes online and on time with government payment and filing service. You may also get a faster tax refund, so you can improve your cash flow.
View available government recipients
Access with:
Online and mobile banking
SmartBanking
Send money to over 120 countries with a $0 transfer fee.2 Pay employees, purchase supplies, make investments and manage business around the world with CIBC Global Money Transfer.
Access with:
Online and mobile banking
Send large amounts of money securely to recipients in Canada or abroad with wire payments. Pay in any major currency, so you're in control of your foreign exchange costs. The online service lets you initiate time-sensitive wire payments from your personal computer anywhere, anytime.
Access with:
SmartBanking
At a branch
Send money to recipients in the U.S. quickly and securely with automated clearing house (ACH). Enjoy faster processing times and cost savings when you send payments electronically. Save your recipients the inconvenience of processing deposits.
Access with:
SmartBanking
Order foreign currency wires, send drafts and transfer funds between accounts. You have the option to choose FX Online if you exchange large amounts of money annually.
Access with:
FX Online
Send money to over 120 countries, for a $0 transfer fee, with CIBC Global Money Transfer™ for Business.2
Receive money from others quickly and securely. Skip the security question and have funds automatically deposited into your account through Interac e-Transfer service.
Access with:
SmartBanking
Online and mobile banking
Request payments from anyone with an email address or mobile phone number and a Canadian bank account. Once your recipient fulfills the request, funds will be automatically deposited into your account.
Access with:
SmartBanking
Online and mobile banking
Accept all major credit and debit cards in-store, online through your website, by mail or phone. Give your customers more ways to pay with merchant services from Global Payments3.
Collect one-time or recurring payments automatically from clients in Canada with electronic funds transfer pre-authorized payment. Get your money on time without worrying about due dates and missed payments. Save the costs and potential delays associated with receiving cheques and payments through regular mail.
Access with:
SmartBanking
Deposit Canadian cheques drawn from Canadian banks anywhere, anytime with CIBC eDeposit®. Snap a photo of the front and back of your cheque and deposit funds directly into your account.4
Access with:
Mobile banking
Scan, upload and deposit multiple cheques with CIBC eDepositTM for cheques. Use a desktop cheque scanner to deposit your Canadian and U.S. dollar cheques directly into your account without leaving the office. Deposits made before 7:00 pm ET are credited to your account the same business day.
The online application lets you select the account you wish to deposit the cheque into, and gives access to your cheque images to facilitate reconciliation and record keeping.
Spend less time opening mail and scanning cheques. We'll collect and process mailed cheques on your behalf, so you can get paid faster.
Bundle your cash and cheques into a single ATM deposit. Plus, withdraw funds, check account balances and review your last 20 transactions within the past 8 weeks.
Access with:
ATM
Bundle your cash and cheques into a single ATM deposit. Plus, withdraw funds, check account balances and review your last 20 transactions within the past 8 weeks.
Access with:
ATM
Deposit cash, coin or cheques outside of regular banking hours with wallet depository service. Receive same-day credit for deposits made before 6:00 pm so you can access your funds right away.
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At a branch
Protect your money and improve your cash flow with CIBC eDepositTM for cash. Insert cash into the CompuSafe® on your premises and receive a same-day credit to your CIBC business account.5
Smart Advice for Business