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Legal
Effective May 31, 2025, the Electronic Access Agreement will be updated to reflect improvements to our service, and changes to existing features. Learn about the changes to the Electronic Access Agreement
Bank accounts
Personal Account Agreement (PDF, 460 KB) Opens in a new window.
Personal Account Service Fees (PDF, 300 KB) Opens a new window.
CIBC Personal Deposit Account Agreements and Disclosures (PDF, 1.6 MB) Opens a new window.
Interest Rates on Personal Bank Accounts
CDIC Abbreviated Brochure (PDF, 75 KB) Opens in a new window.
CIBC Cardholder Banking Service Agreement
CIBC Overdraft Protection Service
CIBC Overdraft Protection Service Addendum (PDF, 116 KB) Opens in a new window.
Credit cards
Business Credit Card Privacy Disclosures, Terms and Conditions (PDF, 110 KB) Opens in a new window.
Credit Card Privacy Disclosures, Terms and Conditions (PDF, 130 KB) Opens in a new window.
CIBC Credit Card Summary of Annual Interest Rates and Fees (PDF, 110 KB) Opens in a new window.
CIBC Business Cardholder Agreement — Personal Liability (PDF, 140 KB) Opens in a new window.
Credit Card Embedded Insurance
CIBC Adapta™ Mastercard® (PDF, 1 MB) Opens a new window.
CIBC Aeroplan® Visa Infinite* Card (PDF, 1 MB) Opens in a new window.
CIBC Aeroplan® Visa Infinite Privilege* Card (PDF, 1 MB) Opens in a new window.
CIBC Aeroplan® Visa* Business Card (PDF, 1 MB) Opens in a new window.
CIBC Aeroplan® Visa* Business Plus Card (PDF, 1 MB) Opens in a new window.
CIBC Aeroplan® Visa* Card (PDF, 1.1 MB) Opens in a new window.
CIBC Aventura® Gold Visa* Card (PDF, 1.6 MB) Opens in a new window.
CIBC Aventura® Visa Infinite* Card (PDF, 1.0 MB) Opens in a new window.
CIBC Aventura® Visa Infinite Privilege* Card (PDF, 960 KB) Opens in a new window.
CIBC Aventura® Visa* Card for Business (PDF, 1.5 MB) Opens in a new window.
CIBC Aventura® Visa* Card for Business Plus (PDF, 1.2 MB) Opens in a new window.
CIBC Aventura® Visa* Card (PDF, 1.1 MB) Opens in a new window.
CIBC bizline® Visa* Card (PDF, 530 KB) Opens in a new window.
CIBC Classic Visa* Card (PDF, 1 MB) Opens in a new window.
CIBC Corporate Classic Plus Visa* Card (PDF, 570 KB) Opens in a new window.
CIBC Costco®† Business Mastercard® (PDF, 1.5 MB) Opens in a new window.
CIBC Dividend® Visa Infinite* Card (PDF, 990 KB) Opens in a new window.
CIBC Dividend Platinum® Visa* Card (PDF, 1 MB) Opens in a new window.
CIBC Dividend® Visa* Card (PDF, 1 MB) Opens in a new window.
CIBC Select Visa* Card (PDF, 550 KB) Opens in a new window.
CIBC U.S. Dollar Aventura® Gold Visa* Card (PDF, 1.3 MB) Opens in a new window.
Investments
CIBC Foreign Cash and Precious Metals Delivery Agreement™ (PDF, 295 KB) Opens a new window.
CIBC Retirement Savings Plan Agreement (PDF, 110 KB) Opens a new window.
CIBC Tax Free Savings Account Agreement (PDF, 110 KB) Opens a new window.
CIBC Retirement Income Fund Agreement (PDF, 110 KB) Opens a new window.
TFSA, RRSP and RRIF Fee Schedule and Balance Alerts Information (PDF, 90 KB) Opens a new window.
Privacy, consent and more legal
Relationships with Related and Connected Issuers Disclosure (PDF, 95 KB) Opens in a new window.
Privacy and SecurityOpens a new window in your browser.
CIBC Privacy PolicyOpens a new window in your browser.
CIBC Electronic Access AgreementOpens a new window in your browser.
The Electronic Access Agreement governs your use of CIBC Online Banking and CIBC Wealth Management online accounts.
Our Service Commitment to YouOpens a new window in your browser.
Website Terms of UseOpens a new window in your browser.
TrademarksOpens a new window in your browser.
Secure Email Terms and ConditionsOpens a new window in your browser.