CIBC Business Operating Account

The CIBC Business Operating Account is a Canadian dollar account for the day-to-day operation of your business. It offers you value and control to help manage your company's everyday business transactional needs.

Key benefits

Bank where and when you want

  • Our Inter-Branch Deposit service enables you to make deposits at any CIBC branch accepting business deposits.
  • Use our Wallet Depository Service to make business deposits 24 hours a day, 7 days a week (separate monthly service charges apply and cost of disposable wallets is extra); learn more about CIBC Wallet Depository Service

Saves you money

  • Receive one free transaction1 (deposit, cheque or withdrawal) for every $2,000 held in your account throughout the entire calendar month2
  • The minimum monthly fee is waived if you have no transactions during the monthly account statement period


  • Access detailed transaction reporting to understand in and out cash flows such as printed statements3 and reporting available through CIBC Cash Management Online® (CMO)4
  • Manage your company's cash flow anytime using CMO, for an incremental fee. CMO delivers secure, 24/7 access to a comprehensive suite of online cash management products including strong payment and reporting services, flexible client-administration capabilities and a user friendly web-based platform.

Record-Keeping Options

  • Printed account statements are available monthly3
  • Detailed reporting and eStatements are available through CMO5

Information you need to know:

  • Apply for bank machine service to use CIBC Instant Teller® machines for your Business Operating Account transactions (separate service charges apply)
  • Refer to our Business Account Service Fees (PDF, 245 KB)  brochure for information on service fees for the CIBC Business Operating Account

Building vibrant, sustainable communities

Read our Corporate Responsibility Report and Public Accountability Statement

Learn more

Interested in a CIBC Business Operating Account?

Contact your Relationship Manager or call us directly.

1-888-947-7736 toll-free

Service & Support

Business Accounts