Accessibility Quick Links
Manage your cash flow your way
From simple to complex business needs, let our digital platforms help you move your money quickly and easily.
Easily view your business finances, on one dashboard, with CIBC SmartBankingTM for Business.
Sign up and access for free and pay no monthly maintenance fee. Just pay for the additional services you use and transactions you make.1
Get a clear view of your banking, accounting and payroll — all in one place. Plus, access third-party accounting software and payroll services.
Skip the trip to the bank and access your business accounts on the go. Make bill payments, transfer funds, check balances and more.
Best Bank for Cash Management in Canada
Global Finance magazine, 2020, 2019, 2018, 2017
Send funds to anyone with an email address or mobile phone number and a Canadian bank account, it's easy and safe.
Access with:
Online and mobile banking
Make recurring payments to any bank account in Canada with electronic funds transfer (EFT) direct deposit. Pay your recipients electronically to reduce the time you spend on buying and preparing cheques.
Access with:
SmartBanking
Send large amounts of money to recipients in Canada or abroad with wire payments. Pay in the currency of your choice, so you're in control of your foreign exchange costs.
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
Sign up and access SmartBanking with no registration or monthly maintenance fees. Just pay for the additional services you use and transactions you make.1
Send money to recipients in the U.S. quickly and securely with automated clearing house (ACH). Send payments electronically to enjoy faster processing times and cost savings.
Access with:
SmartBanking
Pay your employees accurately and on time using payroll services. Let our third-party service provider, Ceridian Canada Ltd., manage payday so you don't have to.
Access with:
SmartBanking
Make recurring payments to any bank account in Canada with electronic funds transfer (EFT) direct deposit. Pay your recipients electronically to reduce the time you spend on buying and preparing cheques.
Access with:
SmartBanking
Send funds to anyone with an email address or mobile phone number and a Canadian bank account, it's easy and safe.
Access with:
Online and mobile banking
Send money to over 90 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.
Access with:
Online and mobile banking
SmartBanking
Send money to over 90 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 to recipients in Canada or abroad with wire payments. Pay in the currency of your choice, so you're in control of your foreign exchange costs.
Access with:
SmartBanking
At a branch
Send money to recipients in the U.S. quickly and securely with automated clearing house (ACH). Send payments electronically to enjoy faster processing times and cost savings.
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 90 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:
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:
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.
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.
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.
Access with:
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
Frequently asked questions
For more information, call us at 1-866-992-7223Opens your phone app..
For more information, call us at 1-866-992-7223Opens your phone app..
For more information, call us at 1-866-992-7223Opens your phone app..
Send as little as you want, but maximum amounts apply:
$3,000 in a 24-hour period
$10,000 in a 7-day period
$30,000 in a 30-day period
No. You can only deposit Canadian dollar cheques with your mobile device.
When your available account balance goes below $0 or over your overdraft limit, you may have to pay a non-sufficient funds (NSF) fee. This can happen when you don’t have enough in your account to cover a pre-authorized payment or cheque. We’ll send you a text message so you can avoid an NSF fee and a declined payment.
You will automatically be enrolled for the CIBC Smart Balance Alert service, assuming we have your mobile number on file. If you’re not receiving text messages and your account is overdrawn, please reach out to your advisor or call 1-800-465-2422Opens your phone app..
