Manage your cash flow from a single dashboard

Leave the cheques behind

Use electronic funds transfer (EFT) to send or receive money from suppliers and employees within Canada.

Send money anywhere, any time

Save a trip to the bank and quickly send time-sensitive payments globally in CAD, USD or any major currency.

Simplify your accounting

Balance your books and reduce errors by integrating Xero and Quickbooks®, and granting access to your accountant.

Take charge of your payments, accounting and reporting

Send one-time or recurring CAD and USD payments with EFT — Direct Deposit. Save time and money, avoid missing due dates and schedule your payments for accurate cash flow forecasting.

Cost: $2.00 per payment

Pay your employees accurately and on time, every time. Connect your SmartBanking to Ceridian Canada Ltd. to submit and track payroll, calculate deductions and get help with year-end tax returns.

Cost: $5 per month

Quickly and conveniently send time-sensitive payments worldwide, in any major currency. Avoid trips to the bank, late or missing cheques and schedule your payments in ways that make sense for your cash flow.

Cost: $20 per payment

Send money to employees, suppliers or investors in the United States with automated clearing house (ACH). Enjoy fast turnarounds and avoid lost or misdirected cheques.

Cost: $10 per payment2

File your business taxes online with CIBC Government Payment and Filing Service. Skip the paperwork, schedule your payments to avoid late charges and get your tax refund faster.

Cost: $2 per transaction

Receive CAD and USD payments from your customers in Canada with EFT — Pre-authorized Debit. Get your money on time without worrying about due dates and missed payments.

Cost: $39 per month, $12 per file plus $0.14 per transaction

Securely send up to $25,000 per e-Transfer with support for multi-signatory accounts and payment approval entitlements.

Check your account balances and review detailed transaction history for up to 13 months. Find transactions beyond 13 months in your eStatements.

Avoid trips to the bank and pay your bills online any time. Pay one or more bills when it's convenient for you, or schedule your payments to better manage your cash flow.

Find up to 13 months of images conveniently stored online, and download up to 50 cheques at a time in report format. Available 24 hours a day, 7 days a week.

Go paperless with up to 7 years of statements online. Your eStatements contain the same information as paper statements, while reducing clutter and helping the environment. 

Transfer money any time to your CIBC chequing or savings accounts, or make cross-currency transfers to your CIBC USD accounts.

Cancel payments on CAD and USD cheques, as well as CAD pre-authorized debits.

Assign access to multiple users based on your business needs. Restrict accessible information, add or remove delegates at any time and set up your approval workflows.

Find up to 13 months of detailed reports for your bank accounts and cash management services. Create and download customized payment reports any time. 

SmartBanking can automatically send bank transaction data directly to your accounting services to help you reduce manual data entry and simplify reconciliation.

Get audit reports with information about user sign on, payment approvals and more.

Customizable charts and other data visualization tools save you time and provide a snapshot of your payables, receivables, earnings and operations.

Maintain control by selecting only the accounts you want to share with third-party accounting tools.

Easily track your earnings, expenses and inventory. Set up 2-way integration to securely send transactions to Quickbooks. Share your books with your accountant for seamless collaboration.

Cost: $5.00 per month

Monitor your finances and make informed decisions. Connect to SmartBanking and save time on data entry and reconciliation, and review your payables and receivables at a glance.

Cost: $5.00 per month

Simplify payroll by integrating your Ceridian account with SmartBanking. Enter, submit and track your payroll data with ease. Plus you’ll save time, cut costs and meet CRA requirements.

Cost: $5.00 per month

Connect SmartBanking to third-party service providers

Intuit quickbooks
Access using web browser
 
Always know where you stand with QuickBooks Online. Stay organized by tracking income, expenses, payroll and more all in one place. Create professional invoices, get valuable business insights and collaborate with your accountant.

Learn more about CIBC and QuickBooks Online

Xero

Access using web browser

Online accounting software with time-saving tools you need to run and grow your business. Explore features like invoicing, reporting and more, online anytime, anywhere.Learn more about CIBC and Xero

Ceridian
Access using web browser

Pay your employees accurately, on time and from anywhere. Ceridian Powerpay Plus delivers an enhanced payroll solutions suite that lets you spend more time growing your business.

Learn more about CIBC and Ceridian Powerpay Plus

Save time with single sign on

Interac e-Transfer

Interac e-Transfer for Business is coming soon. Opens in a dialog.

Bill payments

Wire transfers  

EFT — direct deposits

 

EFT — pre-authorized payments

 

Account transfers

Global Money Transfer™ service

 

Cross-currency transfers

 

Business credit cards

 

Comprehensive reporting

 

Multi-signature setup

 

Entitlements

 

Payment approvals

 

Payroll

 

ACH payments (USD)

 

Registration and account setup are quick and hassle-free

STEP 1

You'll get an email confirmation with your token and user ID. If you don't have a business account, you can apply during your SmartBanking registration.

STEP 2

Create your password and activate your token. Sign on to access your bank accounts, cash management services and more. 

STEP 3

Build and customize your dashboard by connecting your third-party payroll and accounting apps.

Your SmartBanking questions answered


Ready to get started?

 

One of our experts will call you back when it's convenient for you.

Have questions about your SmartBanking account?

Knowledgeable, trained staff are available at our Business Contact Centre every business day from 7:00 am to 8:00 pm ET to answer any question you have.

SmartBanking also includes an online Live Chat feature on business days from 9:00 am to 5:00 pm ET.