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, 995 KB)  brochure for information on service fees for the CIBC Business Operating Account

Rates and Fees

Interested in a CIBC Business Operating Account?

Contact your Relationship Manager or call us directly.
1-888-947-7736 toll-free

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