"How can I get my money when I need it?"
When you open a bank account you'll receive a bank card (or "debit card"), which identifies you as a customer, and provides access to all bank services. You'll use it almost every time you want to access your account. Your card, along with your Personal Identification Number (PIN, sometimes known as a passcode), gives you secure and convenient access to your money several ways:
- In branch. You can visit a branch for your day-to-day banking transactions and access to your safety deposit box.
Important to know: CIBC has extended evening and weekend hours (Saturday and/or Sunday) at many of its over 1,000 branches across Canada
- Online banking. Online banking provides convenient, secure, and easy access to your accounts over the Internet. You can pay bills, transfer money, update records, open accounts and locate branches. It provides a consolidated view of all your accounts when you log on to your account.
- Automated Bank Machines (ABMs). These may be located in a bank or in other locations, such as malls and gas stations. Using your bank card and PIN, you can withdraw cash, make deposits, check your account balance, pay bills and more.
Important to know: When you use your bank card at a bank machine or a financial institution that is not affiliated with your bank, you may be charged a service fee. CIBC has an extensive network of almost 4,000 ABMs across the country, with English, French, and Chinese language capabilities.
- Telephone banking. Telephone banking is available 24 hours a day, seven days a week. In addition to basic transactions, telephone banking agents can discuss and complete transactions such as loans or purchasing investments.
Important to know: CIBC Telephone Banking offers Mandarin and Cantonese-speaking agents.
- Debit payments. At most stores and restaurants, you can pay with your bank card instead of cash. You simply insert or swipe your card through a card-reader and enter your PIN to authorize the purchase.