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 AccountTM. 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.

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#)%

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

Bank anywhere, anytime, on any device

More on mobile

Bank securely with fingerprint access on select devices, and one-time pass codes for extra protection Plus, connect to your Apple Watch™. Our award-winning mobile banking apps do all this and more.

Performance online

Track your spending, pay bills, transfer money — even set a savings goal for the future. CIBC Online Banking has it all. And we’ve got the awards to prove it.

ATMs are nearby

We’ve got cash. Even U.S. cash. With almost 4,000 bank machines across Canada, you’re sure to find an ATMOpens a new window in your browser. close to you.

Make it personal

Bank evenings and weekends at many of our 1,100 and more banking centres, or chat with an agent online. If you need to talk money, our advisors are available. Find a banking centre nearby.Opens a new window in your browser.


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 accounts4, 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