NOTE: Offers related to and products and/or services in the CIBC Group Banking Plan can be changed or withdrawn at any time without prior notice.
1 CIBC Smart Account monthly fee is waived for the first year after which the monthly fee applies. Fee waiver is conditional upon your recurring monthly payroll deposit from your identified employer ("your Payroll") being deposited into your CIBC Smart Account within 30 days after you enroll in the CIBC Group Banking Offer. Your payroll must be deposited on a recurring basis at least monthly for the one-year offer period. See Personal Account Service Fees brochure or visit www.cibc.com for details on CIBC Smart Account regular fees.
2 Additional fees apply to withdrawals from non-CIBC bank machines, Interac e-Transfers® and cheques written in currencies other than the account currency. The Interac e-Transfer® fee is waived for CIBC Smart Accounts.
3 Interest is earned if your balance is $5,000 or more. If the balance drops below $5,000, interest will not be earned for the days that the balance remains under $5,000. Interest is calculated on each day's final balance and paid monthly.
4 Interest is calculated on each day's final balance and paid monthly.
5 Waiver of annual fee for primary cardholder only; annual fee for each additional cardholder is not waived. The applicable fee(s) will be charged on the first anniversary of your account opening.
6 Usual lending criteria apply.
7 Minimum equity in your home is required to qualify for a CIBC Home Power Line of Credit (HPLOC). For more details, visit any CIBC Banking Centre or call 1-800-465-2422Opens your phone app. Not available in Nunavut.
8 All CIBC Investor’s Edge clients pay $6.95 CDN or U.S. per online equity trade with no minimum account balance or trading activity required.
9 Only equity trading is available on smart phones through the CIBC Mobile Brokerage App.
10 When you transfer out assets from another financial institution, you may be charged a transfer out fee. CIBC will reimburse the fee of up to $135 for assets transferred to CIBC Investor's Edge with a value of $25,000 or more per account. Additional conditions may apply to all offers; ask for details.