Canadian Dollar Accounts

CIBC Business Operating Account

A CIBC Business Operating Account is the foundation of your banking activities with CIBC and allows you to take advantage of our broad range of financial services.

Our account options offer everyday banking benefits and exceptional value for businesses with low to high transaction volumes.


  • Enjoy the flexibility to bank when and where you want - in-branch, by phone, at an ABM, or by using our online and mobile banking services - to conveniently and efficiently meet your day-to-day banking needs
  • Unlimited account balance or account activity inquiries through CIBC Instant Teller® bank machines, CIBC Telephone Banking, CIBC Online Banking®, CIBC Cash Management Online® (CMO)9 or Branch Banking
  • Unlimited CIBC Small Business Convenience Cards®
  • The ability to assign routine financial transactions and tasks to your delegates with the CIBC Small Business Customized Access® feature
  • Access to Wallet Depository Service
  • eStatements available at no additional charge through online channels10

Accounts available:


Monthly Account Fee3

Monthly Transactions Included1

Fee for Each Transaction1

CIBC Unlimited Business Operating Account®

Offers businesses with a high number of monthly transactions1 the ability to simplify banking and enhance cash flow for one low monthly fee. With unlimited transactions1 such as withdrawals, deposit transactions, transfers, bill payments as well as a cash, coin and cheque deposit package2, this account offers a consistent monthly fee even when your banking activity increases.




CIBC Everyday Business Operating Account®

Offers exceptional value to businesses with a consistent number of monthly transactions1. With everyday banking benefits such as 30 transactions1 each month, a cash, coin and cheque deposit package6 and the flexibility to minimize fees when you use only self-service channels to perform transactionsin a month, this account not only helps you manage your cash flow, but also your bottom line.

Self-service7 access






$1.00 self-service
$1.25 full-service

CIBC Basic Business Operating Account®

Offers businesses with a low number of monthly transactions1 the flexibility to minimize your monthly banking fees by paying only for what you use. This account gives the ability to perform all of your day-to-day banking, anytime and anywhere at CIBC for a low monthly account fee.



$1.00 self-service
$1.25 full-service

CIBC Not-for-Profit Operating Account

The CIBC Not-for-Profit Operating Account offers a cost-effective solution to meet the needs of local not-for-profit or community based organizations. This account includes a low monthly account fee and 10 transactions1 so you can put your organization's money to its best use.

Fee summary

  • Monthly account fee- $4.00
  • Transactions included1,5  - 10/month
  • Each additional transaction
    • $1.00 self-service 7
    • $1.25 full-service 8
  • eStatements10 available at no additional charge through online channels

CIBC Business Investment Growth Account*

The CIBC Business Investment Growth Account offers the opportunity to earn a competitive rate of return on surplus funds while maintaining full liquidity. It is the perfect complement to your business operating account and provides you with easy access to your funds when you need them.

This account offers:

  • Daily interest, which is calculated on each day’s end-of-day final balance
  • Competitive tiered interest rates
  • eStatements10 available at no additional charge through online channels

Fee summary

  • Monthly account fee- No charge
  • Each credit transaction1 
    • $1.00 self-service 7
    • $1.25 full-service 8
  • Each debit transaction1 - $5.00


For CIBC Business Investment Growth Accounts, interest is credited to your account effective as of the last business day of the calendar month and will be reflected in your account records and available to you two business days after the end of the calendar month. Interest rates quoted are annual and are subject to change without prior notice and are on display at any branch.

CIBC Business Operating Account for Commercial/Large Corporate Clients

The CIBC Business Operating Account for Commercial/Large Corporate clients is a Canadian dollar account designed to meet all your business banking needs from day-to-day transactions to more complex cash management services.

Fee summary

  • Minimum monthly account fee - $6.00
  • Includes one free transaction1 for every $2,000 held in the account throughout the calendar month4
  • Each additional transaction1
    • $1.00 self-service 7
    • $1.25 full-service 8
  • Minimum monthly account fee is waived if you have no transactions1 during the calendar month
  • eStatements10 available at no additional charge through online channels