Manage your money with these real-time 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.



  1. If your account1 balance is below $0 or over your overdraft limit at the close of a business day, we’ll text you the next morning.
  2. Check your account balance.
  3. Transfer or deposit money into your account before 12:00 pm to avoid an NSF fee2 and a declined payment.

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.


How it works:

  1. Set up custom alerts for your transactions.
  2. We’ll send you an alert in real time.
  3. If you’re unsure about a transaction, sign on to get more information.
  4. If you don’t recognize the transaction, contact the merchant.

Transaction alerts FAQ Opens a new window in your browser.

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.


How it works:

  1. If a transaction looks suspicious, we’ll alert you.
  2. You can verify your purchase to continue using your card or report it as fraud.
  3. If it’s fraud, we’ll call you to connect you to a fraud specialist.

If you receive a suspicious text or email, don't respond to it. Instead, forward it to fraud@cibc.com Opens your email app..

J.D. Power Award and the CIBC app.

Get the app that’s #1

Download the CIBC app and find out why it’s ranked 1st among the big 5 banks in Customer Satisfaction with Mobile Banking Apps.3

Or text "CIBC" to 101010 and we'll send you the link.

How to set up alerts

Some alerts, like the CIBC Smart Balance Alert™ and fraud alerts, are automatically turned on for your security.
Others can be turned on and off for your convenience.

 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 alerts you want to get.


STEP 4

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

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.

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

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

 Ask for your PIN or other personal information

 Direct you to a third-party website