Legal

Bank accounts

Personal Account Agreement (PDF, 460 KB) Opens in a new window.

Personal Account Agreement for accounts opened before December 8, 2022 (PDF, 175 KB) Opens in a new window.

Personal Account Service Fees (PDF, 300 KB) Opens a new window.

CIBC Personal Deposit Account Agreements and Disclosures (PDF, 1.6 MB) Opens 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 for Bank Accounts for consent given on and after July 15, 2023 (PDF, 35 KB) Opens in a new window.

Consent to Electronic Delivery of Documents for Bank Accounts for consent given May 2016 up to and including July 14, 2023 (PDF, 150 KB) Opens in a new window.

Consent to Electronic Delivery of Documents for Bank Accounts for consent given before May 2016 (PDF, 65 KB) Opens a new window.

CDIC Abbreviated Brochure (PDF, 75 KB) Opens in a new window.

Account Verification and Funds Transfer Service Terms (PDF, 75 KB) Opens 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, 116 KB) Opens in a new window.

 

Credit cards

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

Business Credit Card Privacy Disclosures, Terms and Conditions (PDF, 110 KB) Opens in a new window.

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 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 Aeroplan credit cards (PDF, 120 KB) Opens in a new window.

CIBC Business Cardholder Agreement — Personal Liability (PDF, 140 KB) Opens in a new window.

 

Credit Card Embedded Insurance

CIBC Adapta™ Mastercard® (PDF, 1 MB) Opens a new window.

CIBC Aeroplan® Visa Infinite* Card (PDF, 1 MB) Opens in a new window.

CIBC Aeroplan® Visa Infinite Privilege* Card (PDF, 1 MB) Opens in a new window.

CIBC Aeroplan® Visa* Business Card (PDF, 1 MB) Opens in a new window.

CIBC Aeroplan® Visa* Business Plus Card (PDF, 1 MB) Opens in a new window.

CIBC Aeroplan® Visa* Card (PDF, 1.1 MB) Opens in a new window.

CIBC Aventura® Gold Visa* Card (PDF, 1.6 MB) Opens in a new window.

CIBC Aventura® Visa Infinite* Card (PDF, 1.0 MB) Opens in a new window.

CIBC Aventura® Visa Infinite Privilege* Card (PDF, 960 KB) Opens in a new window.

CIBC Aventura® Visa* Card for Business (PDF, 1.5 MB) Opens in a new window.

CIBC Aventura® Visa* Card for Business Plus (PDF, 1.2 MB) Opens in a new window.

CIBC Aventura® Visa* Card (PDF, 1.1 MB) Opens in a new window.

CIBC Classic Visa* Card (PDF, 1 MB) Opens in a new window.

CIBC Costco®† Business Mastercard® (PDF, 1.5 MB) Opens in a new window.

CIBC Costco®† Mastercard® and the CIBC Costco®† World Mastercard® (PDF, 650 KB) Opens in a new window.

CIBC Dividend® Visa Infinite* Card (PDF, 990 KB) Opens in a new window.

CIBC Dividend Platinum® Visa* Card (PDF, 1 MB) Opens in a new window.

CIBC Dividend® Visa* Card (PDF, 1 MB) Opens in a new window.

CIBC U.S. Dollar Aventura® Gold Visa* Card (PDF, 1.3 MB) Opens in a new window.

 

Investments

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

CIBC Retirement Savings Plan Agreement (PDF, 110 KB) Opens a new window.

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

CIBC Retirement Income Fund Agreement (PDF, 110 KB) Opens a new window.

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

CIBC Registered Guaranteed Investment Certificates (GICs) Information Statement for GICs purchased on or after April 5, 2023 (PDF, 100 KB) Opens a new window.

Personal Non-Registered GIC Account Agreement — Sole Accountholder for accounts opened on or after July 21, 2024 (PDF, 105 KB) Opens a new window.

Personal Non-Registered GIC Account Agreement — Joint Tenants in Common for accounts opened on or after July 21, 2024 (PDF, 105 KB) Opens a new window.

 

Privacy, consent and more legal

Relationships with Related and Connected Issuers Disclosure (PDF, 95 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 AgreementOpens a new window in your browser.

The Electronic Access Agreement governs your use of CIBC Online Banking and CIBC Wealth Management online accounts.

Consent to electronic delivery of documents from CIBC for consents entered into since September 2022 (PDF, 85 KB) Opens in a new window.

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.