Legal

Bank accounts

Personal Account Agreement (PDF, 215 KB) Opens in a new window.

Personal Account Agreement for accounts opened before April 18, 2022 (PDF, 215 KB) Opens in a new window.

Personal Account Service Fees (PDF, 210 KB) Opens in a new window.

CIBC Personal Deposit Account Agreements and Disclosures (PDF, 2.3 MB) Opens in a new window.

Interest Rates on Personal Bank Accounts

Start banking with ease and peace of mind: contains the CIBC Cardholder Banking Service Agreement (PDF, 360 KB) Opens in a new window.

Consent to Electronic Delivery of Documents (Bank Accounts) for consents entered into since May 2016 (PDF, 150 KB) Opens in a new window.

Consent to Electronic Delivery of Documents (Bank Accounts) for consents entered into before May 2016 (PDF, 65 KB) Opens in a new window.

CDIC Abbreviated Brochure (PDF, 60 KB) Opens in a new window.

 

CIBC Cardholder Banking Service Agreement

Review Agreement (applies to CIBC Debit Cards which are Interac Flash® enabled or issued on or after November 17, 2014) (PDF, 40 KB) Opens in a new window.

Review Agreement (applies to CIBC Debit Cards issued before November 17, 2014) (PDF, 60 KB) Opens in a new window.

 

CIBC Overdraft Protection Service

CIBC Overdraft Protection Service Addendum (PDF, 165 KB) Opens in a new window.

 

Credit cards

Credit Card Privacy Disclosures, Terms and Conditions (PDF, 130 KB) Opens in a new window.

Credit Card Privacy Disclosures, Terms and Conditions for CIBC Costco®† Mastercard® and CIBC Costco®† World Mastercard® (PDF, 105 KB) Opens in a new window.

Consent to Electronic Delivery of Documents for Credit Cards for consents entered into since May 2016 (Updated October 2021) (PDF, 70 KB) Opens in a new window.

Consent to Electronic Delivery of Documents (Credit Cards) for consents entered into before May 2016 (PDF, 55 KB) Opens in a new window.

CIBC Credit Card Summary of Annual Interest Rates and Fees (PDF, 110 KB) Opens in a new window.

CIBC Credit Card Summary of Annual Interest Rates and Fees for CIBC Costco®† Mastercard® and CIBC Costco®† World Mastercard® (PDF, 105 KB) Opens in a new window.

Credit Card Privacy Disclosures, Terms and Conditions for CIBC Dividend® Visa Infinite* and CIBC Dividend Platinum® Visa* Cards (PDF, 150 KB) Opens in a new window.

CIBC Credit Card Summary of Annual Interest Rates and Fees for CIBC Dividend Visa Infinite and CIBC Dividend Platinum Visa Cards (PDF, 170 KB) Opens in a new window.

Investments

CIBC Foreign Cash and Precious Metals Delivery Agreement™ (PDF, 295 KB) Opens in a new window.

CIBC Retirement Savings Plan Agreement (PDF, 705 KB) Opens in a new window.

CIBC Tax Free Savings Account Agreement (PDF, 110 KB) Opens in a new window.

CIBC Retirement Income Fund Agreement (PDF, 115 KB) Opens in a new window.

TFSA, RRSP and RRIF Fee Schedule and Balance Alerts Information (PDF, 90 KB) Opens in a new window.

 

Privacy, consent and more legal

Relationships with Related and Connected Issuers Disclosure (PDF, 90 KB) Opens in a new window.

Privacy and SecurityOpens a new window in your browser.

CIBC Privacy PolicyOpens a new window in your browser.

CIBC Electronic Access Agreement
Opens a new window in your browser.The Electronic Access Agreement governs your use of CIBC Online Banking and CIBC Wealth Management online accounts.

Our Service Commitment to YouOpens a new window in your browser.

Website Terms of UseOpens a new window in your browser.

TrademarksOpens a new window in your browser.

Legal Demands, Family Support Orders and Provisions and Canada Revenue Agency DemandsOpens a new window in your browser.

Secure Email Terms and ConditionsOpens a new window in your browser.

UK Tax Risk Management Strategy (PDF, 115 KB) Opens in a new window.