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Keep track of your accounts with alerts

Learn how to set up alerts and customize the account activity you want to monitor — we’ll take care of the rest.

Play the video to learn how to set alerts (1:20) | Transcript

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Manage your money with these real-time alerts

Balance alerts

Get notified whenever the available balance or credit in your personal account¹ reaches a set threshold, so you can avoid running low on funds.

Learn more about CIBC balance alerts.

CIBC Smart Balance Alert™

Forgot about that payment? We’ll send you a text message so you can avoid a non-sufficient funds (NSF) fee and a declined payment.2, 3 Also, keep in mind that carrier charges may apply.

Learn more about CIBC Smart Balance Alerts.

Credit card transaction alerts

Stay on top of your purchases. Get information on your credit card activity in real time without having to sign on.

Learn more about Credit card transaction alerts.

Real-time fraud alerts

Don't let unusual activity become the usual. We’ll notify you right away by text, email or phone if a transaction seems out of place.

Learn more about real-time fraud alerts.

How to set up alerts

Some alerts, like the Smart Balance Alert and fraud alerts, are automatically turned on for your security. Others you can turn on for your convenience.

How to set up alerts on the mobile app

Smartphone showing how to set up CIBC alerts on your mobile device.

STEP 1

Sign on to the
CIBC Mobile Banking® App.

STEP 2

Select “Manage My Alerts” from the menu.

STEP 3

Select the category of alert you want to get.

STEP 4

Use the toggles to turn each alert on. Once activated, you can set your preferences for each alert.

How to set up alerts on desktop

Laptop showing how to set up CIBC alerts on your computer.

STEP 1

Sign on to CIBC Online Banking® Opens a new window in your browser..

STEP 2

Select “Manage My Alerts” from the menu.

STEP 3

Select the category of alerts you want to get.

STEP 4

Select the type of alert you want to get. You can set your preferences for each alert.

Keep yourself secure

Can’t tell if a text, email or phone call is from CIBC? Here are some quick tips for recognizing a real CIBC alert.

Our message will:

Have your name or the last 4 digits of your account number

Have specific details about your account, a recent transaction or unusual activity

Our message won't:

Ask for your PIN or other personal information

Direct you to a third-party website

Learn more about phishing

How to stop alerts

If you want to stop receiving CIBC SMS alerts from a short-code, text back “Stop.” If you want to start receiving messages again, text “Start.”

Never respond to CIBC SMS alerts with personal information or questions. If you have questions, call us at 1-800-465-2422Opens your phone app..

Frequently asked questions

How do I set alerts? Opens in a dialog.

What are CIBC Alerts and how do they work? Opens in a dialog.

Opens a pop-up window Can I cancel or add an alert? Opens in a dialog.

What are push notifications? Opens in a dialog.

Have other questions? Check out our how-to videos for everyday digital banking.

Where you can do this

On Online Banking

On Mobile Banking

What else would you like to do?

Use CIBC eDeposit®

Manage your account

Check your balance, make transfers

Order foreign cash online

Send money with Interac e-Transfer®

More how-tos for you

Get started

Find a Banking Centre

Questions?

Top banking questions Opens a pop-up window

¹ CIBC balance alerts are available for clients who have:

CIBC personal deposit, credit card, line of credit account, and the following eligible registered accounts: Life Income Fund – Daily Interest Savings Account, Registered Retirement Income Fund – Daily Interest Savings Account, Registered Retirement Savings Plan – Daily Interest Savings Account and Tax Free Savings Account – Tax Advantage Savings Account; and
provided CIBC a valid email address, mobile number, or registered for CIBC mobile or online banking, and haven’t opted out of receiving balance alerts.

We’ll notify you when:

the available balance (excluding any overdraft protection and funds on hold) of your personal chequing, savings or eligible registered account drops below an amount you set (or $100 by default), and
the available credit on your personal credit card or line of credit account drops below an amount you set (or $100 by default). For credit cards accounts, balance alerts will be sent to the Primary Cardholder only.

We’ll send balance alerts by email or text message. You’ll also receive alerts in My Messages if you’re registered for CIBC mobile or online banking. To change how you receive alerts, or opt out of alerts, go to Manage My Alerts. You may opt out of these alerts by following the instructions in the alert message (or otherwise provided by us) or through CIBC mobile or online banking,

Due to their nature, alerts may be intercepted, reviewed or altered by others with access to your account or device(s). We will not be liable for losses arising out of your use of (or inability to use) the alerts, or if alerts are delayed or not delivered due to factors beyond CIBC’s reasonable control except as may be required by applicable law.

² Available to clients who have:

Non-registered accounts, except for the CIBC Bank USA Smart Account and CIBC Personal Lines of Credit (PLC) accounts;
Eligible accounts that are in good standing; and
A valid mobile number on file with those accounts

Eligibility:

All personal non-registered deposit accounts are eligible for the CIBC Smart Balance Alert subject to the following:

i. You must have a valid mobile phone number on CIBC’s records

ii. Your account must be in good standing

iii. You must be a resident of Canada who has reached the age of majority

iv. You must not have opted out of the short-code 242-228. To opt back in, reply with “Start”

You’ll automatically receive the CIBC Smart Balance Alert SMS service. You can opt out of the alert at any time by texting “Stop” to 242-228
If you choose to opt out of the short-code 242-228, you are opting out of all messages CIBC can send through this short-code
You’ll continue to receive CIBC alerts from other short-codes as per your preferences

v. This service isn’t available on the CIBC Bank USA Smart Account and CIBC Personal Lines of Credit accounts

SMS Details:

i. The CIBC Smart Balance Alert is sent the business day following the day a pre-authorized debit or cheque is processed and your account balance, based on the previous business day’s closing balance, is below $0 or you exceed your overdraft limit. If you add sufficient funds to your account to cover the pre-authorized debit or cheque before 12 pm and bring your account above $0 or within your overdraft limit, the payment won’t be impacted. If you’re unable to do so, the payment may be returned and a non-sufficient funds (NSF) fee may be charged. Also, keep in mind that carrier charges may apply.

The SMS will be sent according to the time zone of the transit where your account is domiciled.

ii. The CIBC Smart Balance Alert SMS service is dependent on technology systems which can be disrupted. CIBC isn’t liable for a delayed SMS or no SMS being sent out. Continue to monitor your transactions on a regular basis to avoid negative balances and associated fees.

iii. CIBC reserves the right to withdraw this service at any time without notice.

iv. You can opt out of the alert by texting “Stop” to the short-code 242-228. To opt back in, text “Start.” Any other responses to the short-code are unmonitored.

Joint Accounts:

i. All owners of a joint account with a valid mobile number on file will be notified.

General:

i. Other standard account and overdraft fees will continue to apply.

Example :

Ava has $100 in her Smart account. She has set up a pre-authorized debit with Company X. Her debit agreement states that $150 will be drawn on the 1st of the month.

On February 1, Company X withdraws $150 from Ava’s account. CIBC pays Company X as per Ava’s agreement with Company X. The transaction is processed overnight.

At 8:30 am on February 2, Ava receives the CIBC Smart Balance Alert. She signs on to her CIBC Mobile Banking App and confirms that she’s overdrawn by $50. She moves $100 from her eAdvantage Savings Account to her Smart Account immediately, bringing her balance to positive $50. Because she has transferred enough funds to cover the payment before 12 pm, her payment isn’t returned and no non-sufficient funds (NSF) fee is charged.

At the end of the month, Ava is charged her monthly account fees and an overdraft fee. She’s charged the overdraft fee because CIBC paid Company X on her behalf and her end of business day closing balance on February 1 was negative. Learn more about standard account fees in your CIBC Personal Account Agreement (PDF, 215 KB) Opens in a new window..

³ Standard overdraft limit fee and interest applies. Learn more about standard account fees in your CIBC Personal Account Agreement (PDF, 215 KB) Opens in a new window..