US$ Personal Account

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Benefits

An easy way to manage your U.S. money

Deposit or withdraw U.S. funds without converting currencies
Withdraw U.S. funds from any banking centre or CIBC U.S. currency bank machine in Canada
Transfer funds to other accounts at any CIBC Banking Centre in Canada or through CIBC Online Banking^®

Write U.S. dollar cheques¹ to pay for purchases in Canada and the U.S.
Earn interest on every dollar you save²
Make real-time cross-border transfers between your Canada-based accounts and the CIBC Bank USA Smart Account^TM. Learn more about cross-border U.S. banking for CIBC clients

Percy holding his CIBC U.S. Dollar Aventura Gold Visa card while standing beside his suitcases

BUNDLE OFFER

Get bonus interest on your savings^◊

If you have both the CIBC US$ Personal Account and the CIBC Bank USA Smart Account, you’ll get an additional 0.50% interest on your CIBC US$ Personal Account.

Rates and fees

Earn interest

When your balance is:	You earn an annual interest rate² of:
Up to $2,999.99	RDS%rate[3].CUPA.rate(null,0.0_up to_2999.99_CAD_Balance,1,1)(#R#)%
$3,000 to $9,999.99	RDS%rate[3].CUPA.rate(null,3000.0_-_9999.99_CAD_Balance,1,1)(#R#)%
$10,000 to $24,999.99	RDS%rate[3].CUPA.rate(null,10000.0_-_24999.99_CAD_Balance,1,1)(#R#)%
$25,000 to $59,999.99	RDS%rate[3].CUPA.rate(null,25000.0_-_59999.99_CAD_Balance,1,1)(#O2#)%
$60,000 and over	RDS%rate[3].CUPA.rate(null,60000.0_and over_0.0_CAD_Portion,1,1)(#O2#)%

All rates

Fees

Monthly fees	None
Transactions Cheques Withdrawals (including ATM) Transfers Pre-authorized payments Bill payments Debit purchases	$0.75 US
Sending money through Interac e-Transfer^®	N/A
Receiving money through Interac e-Transfer	N/A
Non-CIBC bank machine withdrawal	N/A
Account inquiries	Free
Paperless record keeping¹	Free

Personal Account Service Fees (PDF, 510 KB)

Why CIBC

Bank anywhere, anytime, on any device

More ways to save

The CIBC U.S. Dollar Aventura^®
Gold Visa* Card lets you:

Make purchases in USD and skip the currency exchange fees³
Earn 1 Aventura^® Point for every $2 spent on the card and travel sooner by transferring Aventura Points between your Aventura business and Aventura personal credit card accounts^{4, 5}
Save on car rentals with Auto Rental Collision and Loss Damage Insurance⁶

Learn moreLearn more about the CIBC U.S. Dollar Aventura Gold Visa Card.

More ways to save if you’re over 65

The CIBC Smart^® for Seniors offers:

2 free transactions¹ on the CIBC US$ Personal Account
Free bank drafts and money orders
$5 off the annual rental fee for a safety deposit box (any size, subject to availability)

Learn moreLearn more about CIBC Smart for Seniors

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This is a general description only. Get complete information about fees.

^◊ The Premium Interest Rate Offer (the “Offer”) provides CIBC clients who hold both the CIBC US$ Personal Account and the CIBC Bank USA Smart^TM Account offered by CIBC Bank USA bonus interest on their CIBC US$ Personal Account. The Offer starts on September 6, 2018. Read full offer details (PDF, 110 KB) Opens a new window in your browser. For eligibility requirements and other terms for the CIBC Bank USA Smart Account, review the account details on the CIBC Bank USA websiteOpens a new window in your browser. Interest rates are annual and may change at any time without prior notice. Interest is calculated daily on each day’s closing balance and paid monthly.

¹ A transaction includes cheques, withdrawals, transfers, pre-authorized payments, bill payments (including CIBC Credit Cards and CIBC Personal Lines of Credit) and debit purchases. For CIBC eAdvantage Savings Accounts, a transaction does not include transfers to your other CIBC bank account(s) using the transfer function on CIBC Online Banking, CIBC Mobile Banking, CIBC Telephone Banking and at CIBC ATMs. For all accounts, transfers to CIBC-branded loans (excluding CIBC Personal Lines of Credit), mortgages and investments (registered and non-registered) are free. Other fees (in addition to any transaction fee) include: withdrawals from non-CIBC bank machines, Interac e-Transfer^® transactions (the Interac e-Transfer fee is waived for CIBC Smart Accounts, CIBC PremierService Accounts and for clients who are enrolled in CIBC Advantage for Youth, CIBC Smart for Students, CIBC Smart for Seniors (on the CIBC Smart Account) and CIBC Advantage for Students (on the CIBC Everyday Chequing Account) and transactions in foreign currency (including cheques written in currencies other than the account currency).

U.S. and other foreign currency deposits are not insured by Canada Deposit Insurance Corporation. For a complete listing of CDIC eligible CIBC Deposits see CDIC Deposit Insurance Information.

² Regular interest (“Regular Interest”) is calculated daily at the current rate on each day’s full closing balance and paid monthly.

Interest is credited to your account as of the last business day in the interest period. However, the interest cannot be withdrawn, and will not be printed at branch terminals or at CIBC ATMs or made available through CIBC Telephone or Online Banking, until two business days after the end of the interest period.

Interest rates quoted are annual. Interest rates and balance tiers are subject to change without prior notice.

If you have any questions about our interest rates, call 1-800-465-2422, or come into your local CIBC Banking Centre today to open an account.

³ Any purchases made outside the U.S. are also posted to your account and appear on your statement in U.S. dollars.

⁴Aventura Points are earned on card purchases less returns, and not on cash advances, interest, fees, balance transfers, payments, regular CIBC Convenience Cheques or Aventura Points redemptions. Aventura Rewards and Program Terms may change without notice. Taxes, fees and surcharges may apply to Rewards. Aventura Points earned on purchases during a monthly statement period may not be credited to you if your card is not in good standing at any time during the monthly statement period.

⁵CIBC Rewards Program clients may "transfer," which means move, the Aventura Points earned from eligible Aventura credit card accounts, where they are the primary cardholders. Transferring points can be done between Aventura credit cards through cibcrewards.com or the CIBC Rewards Centre at 1-888-232-5656. Authorized Users and Delegates cannot perform points transfer transactions, but will be able to view any points transfer activity on the Primary’s account in their account history. Points entered must be positive and within the minimum of one and the maximum of total points available in the account at time of performing points transfers. The credit card accounts that you wish to transfer points between must be in good standing.

⁶Insurance coverage(s) included with CIBC credit cards are underwritten by Royal & Sun Alliance Insurance Company of Canada (RSA). Different cards will have different coverage(s). To learn about which coverage(s) are included with a specific card, and important information regarding coverage eligibility requirements, benefits, limitations and exclusions, see our Agreements and Insurance page and the insurance certificate(s) in your card package. Some insurance coverage(s) require purchase(s), auto rentals, common carrier fares and other trip costs to be charged to the card to activate coverage. Other conditions may also apply. Auto Rental Collision and Loss Damage Insurance (CLDI) is available for automobile rentals of up to 48 days. The full cost of the rental must be charged to the card and the rental agency’s Collision Damage Waiver (CDW) or Loss Damage Waiver (LDW) must be declined. CLDI provides coverage up to the actual cash value (ACV) of the rental vehicle as defined in your insurance certificate. Note that some rental agencies may assess their damages at an amount greater than the ACV of the rental vehicle and you may be liable to them for the difference. Before declining the rental agency’s CDW or LDW, you should read carefully and compare the terms of the rental agreement, the CLDI insurance certificate in your card package and any other insurance you own to decide which coverage best meets your protection needs. Out-of-Province Emergency Travel Medical Insurance (TMI) covers the primary cardholder, their spouse and dependent children for the first 15 days of a trip if the covered person is age 64 or under*, or for the first 3 days of a trip if the covered person is age 65 or older*.

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