比特派最新版下载|cibc
作者： 比特派最新版下载
2024-03-07 17:51:32
加拿大新移民开启您的银行理财之旅 | CIBC
加拿大新移民开启您的银行理财之旅 | CIBC
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加拿大银行理财就此开始
新移民银行理财优惠
新移民银行理财优惠
CIBC Smart™ 新移民账户
外籍工人银行业务
国际留学生银行业务
外国受训牙医贷款方案
新移民信用卡
推荐新移民亲友
工具和资源
汇款和接收资金
新移民预算计算器
保护自己预防诈骗
来加须知清单
在加拿大买房
开始在加拿大投资
在新窗口中打开
特别优惠
开设CIBC Smart新移民账户作为您在CIBC的首个支票账户，便可获得$ 400†。
了解详情 CIBC Smart新移民账户的申请条件。
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加拿大银行理财就此开始
新移民银行理财优惠
CIBC Smart™ 新移民账户
外籍工人银行业务
国际留学生银行业务
新移民信用卡
推荐新移民亲友
汇款和接收资金
新移民预算计算器
保护自己预防诈骗
来加须知清单
在加拿大买房
开始在加拿大投资 在新窗口中打开
特别优惠
寻找分行或ATM机
联系我们
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Journeys
加拿大银行理财就此开始
加拿大银行理财就此开始
汇款和接收资金
来加须知清单
刚登陆加拿大？使用我们最优的电子银行服务
无论您是刚抵达加拿大还是已安顿好，让我们为您提供银行理财方案，助您有家的感觉，让生活更轻松。
特别优惠 推荐新移民使用CIBC，双方均可赚取50加币。 了解此优惠的更多信息
为什么新移民喜欢使用CIBC
在您的社区就能找到我们
使用我们的移动应用程序，即可随时随地办理银行业务。我们在加拿大设有1100个分行网点和3000多台自动柜员机为您服务。
建立信用记录同时获取奖励
使用信用卡购物赚取现金返还。您无需提供收入或信用记录，也不需要提供押金。
通过获奖的手机应用直接理财
从手机上向家里汇款，无需任何费用1，实时获得账户更新，感应式付款支付购物，这些都可以通过您的手机完成。
加拿大的理财之旅从这里开始
几分钟内即可在线开立账户
开始
适合新移民的银行优惠。
伴您开展新生活的银行理财
今天就用CIBC Smart™ 新移民账户开始储蓄和管理您的资金
特别优惠
享有两年免付月费††。此外，开立CIBC Smart新移民账户作为您的第一个CIBC支票账户，便可获得$350†。
了解详情 关于CIBC Smart新移民账户。
符合您需求的信用卡
只有在CIBC， 您才能获取更高的信用卡额度‡。无论您想要现金返还、旅行还是利率，我们都有一张适合您的信用卡。新移民银行业务申请不需要有信用记录或交押金。
了解详情 有关新移民信用卡介绍
寄钱回国$0转账费用1
通过CIBC环球汇款™，您可以安全、快速地将钱汇给全球各地的亲人。 您可以使用符合条件的CIBC信用卡或CIBC银行账户进行付款。
了解详情 关于CIBC环球汇款。
随时随地使用CIBC手机理财®办理业务
从我们获奖的应用程序中获得更多便利
CIBC的手机理财应用程序被J.D. Power（君迪）评为加拿大客户满意度第一。 在新窗口中打开。
在您的手机设备上管理您的资金
支付账单，使用手机摄像头存入支票，并立即免费获得您的信用评分2。
手机上感应式付款
通过Interac Debit®支付$250以内的日常消费，或可通过Apple Pay®或Google Pay™以您的CIBC借记卡或信用卡支付。
新移民业务一览
第一步
存款账户（支票或储蓄）
在这里开始您的日常理财，包括电汇和外国支票存款。
了解详情 有关Smart新移民账户介绍
第二步
信用卡
无现金支付，使用电子设备支付您的日常消费，同时还可以获得积分和现金返还。
了解详情 有关Smart新移民账户介绍
第三步
理财建议
与我们的理财顾问合作让您梦想成真，比如存够房屋的首付。
寻找理财顾问 在新窗口中打开
第四步
房屋贷款
我们的房屋贷款顾问团队能够帮助您购置在加拿大的首套房屋。
寻找房贷顾问 在新窗口中打开
追踪支出增长储蓄
到了加拿大有很多事情需要跟进处理，通过CIBC Insights，我们帮助您了解您的资金流向以及如何节省更多资金。
了解详情 关于CIBC Insights。
加拿大银行理财就此开始，准备好了吗？
轻松简单，通过网上或手机设备即可开设一个我们广受欢迎的账户。
开始
适合新移民的银行优惠。
发掘更多与新移民有关的资源
抵达加拿大后该做什么
了解当您抵达加拿大后第一周、第一个月和第一年需要做的重要事情，以获得在加拿大的最佳服务体验。
了解详情 关于我抵达加拿大后该做什么。
了解如何制定预算
我们提供指南助您了解在加拿大将负担的费用，并帮助您开始储蓄、投资和管理现金。
试用我们的预算计算器
在加拿大汇款和接收资金
您在新家安顿下来后，我们助您可以方便地在加拿大接收资金和汇款给海外的亲人。
了解详情
在加拿大投资您的未来
CIBC优盛投资是一个在线投资平台，让您建立自己的投资组合，提供多种投资选项，如股票和共同基金。
了解详情 在新窗口中打开
为下一代教育储备资金
我们将帮助您了解对子女高等教育的投资，政府福利津贴的好处和如何增长RESP注册教育储蓄计划的资金。
试用我们的RESP计算器
专为外国受训牙医提供的借贷选择
Windmill Microlending风车小额贷款机构与CIBC合作，以支持具有外国教育背景的牙医在加拿大继续从事本职工作。
了解详情 专为外国受训牙医提供的借贷选择
享受我们合作伙伴的优惠节省开支
Koodo
CIBC新移民客户将获得Koodo提供的独家优惠，以节省手机套餐月费，包括免费国际长途通话时间。
了解更多 CIBC为国际留学生提供的Koodo优惠
Canoo
CIBC很荣幸能与Canoo合作，免费帮助新移民探索加拿大最美好的事物。Canoo文化通行证可为新移民提供VIP贵宾通道，以体验加拿大1400多个最精彩的文化和户外活动。
了解更多 有关Canon，在新窗口中打开
让我们保持联系
若您有问题，我们可以通过电话和当面咨询。
随时致电我们
通过致电1-866-525-8622 开启您手机上应用程序。获取每周7天24小时全天候协助。
预订会面时间
前往分行与专家会面寻求账户、贷款等方面的协助。与我们会面 在新窗口中打开。。
前往分行或ATM机
我们在加拿大各地都有分支机构，很容易取得服务。寻找分行或ATM机 在新窗口中打开。。
条款和条件
‡ 更高信用卡额度优惠(HLCC)：更高信用卡额度优惠项目只能在CIBC 银行中心办理。您需携带并出示移民材料(IM5292/IM5688) 以确保您符合资格。此优惠仅适用于没有任何CIBC产品的新客户或没有CIBC 信用卡的既有客户，也只适用于您的首张CIBC信用卡。此项为无抵押信用卡优惠，最终所定信用卡额度由CIBC全权决定。
† 现金奖励优惠从2023年4月29日北美东部时间凌晨00:01开始。 优惠适用于25岁及以上使用CIBC Smart™账户的加拿大居民，或者已经达到CIBC Smart™ Plus账户的成年年龄要求，并且从2019年到开户时不是CIBC支票账户的持有人或联名持有人，CIBC拥有全权决定权。 如想获得首项350加元的奖励，请开设CIBC Smart账户或CIBC Smart Plus账户，并提供您的电邮地址。 在开户当月之后的2个月内，完成至少1笔或多笔定期自动存款，每月总额至少为500加元，以及完成以下3项活动中的1项： (i) 在同一日历月份内，至少完成2次不同的定期预先授权扣款；(ii) 在同一日历月份内，至少完成5次符合条件的Visa借记卡消费；或(iii) 在同一日历月份内，至少完成2笔在线账单支付，每次至少50加元。自动存款和预先授权扣款必须在开户当月后至少连续进行1年才有效。 交易是否符合资格将由CIBC全权决定。除非另有说明，否则该优惠不能与任何其它优惠、奖励、返还或Smart账户上的CIBC Smart Start或Smart学生优惠合并使用。 现金奖励将在您开户当月后的七（7）个月内存入您的账户。 其它条件适用；查看《条款和条件》(PDF, 135KB) Opens in a new window.。
††CIBC Smart™新移民账户提供给已获得以下资格之一的人士:
过去5年内登陆获得移民身份；或者，
过去5年内获得永久居民卡；
过去5年内获得永久居民确认函(IMM5292或IMM5688)。
CIBC Smart外籍工人账户提供给已收到以下文件之一的临时居民务工人士：
期限至少为12个月的加拿大工作许可(IMM1442)；或者，
附有期限至少为12个月工作许可的难民申请文件(IMM585或IMM5565)。
要了解有关CIBC Smart外籍工人账户的更多信息，请参阅我们的新移民专用网页.
账户申请者须出示进入加拿大的证明，并提供所要求的支持文件和一张附带照片的身份证明。账户月费将在两年内返还，此后将收取正常的账户月费，恕不另行通知。
1采用CIBC外汇汇率。CIBC环球汇款和外汇交易将计入您允许的交易限额。可能产生银行账户交易费用。必须设立CIBC支票或储蓄账户、适用的信用卡或个人信用额度账户才能进行CIBC环球汇款。大部分转账会在1-3个工作日内完成。只有主卡持卡人能使用合格的信用卡账户进行CIBC环球汇款服务。
查看《CIBC环球汇款协议》（135 KB, PDF） Opens in a new window.。
2CIBC免费信用评分服务是CIBC手机理财应用程序的一项功能，它允许CIBC客户订阅并从加拿大Equifax获得他们的信用评分。
Equifax信用评分是基于Equifax的专有模型，可能与第三方或CIBC在某些情况下用于获取您的信用度的评分不一样。向您提供这个分数的目的是为了教育用途。第三方和CIBC在评估您的信用状况时，除查看信用评分外还会考虑其它因素。
在作出重大财务决定之前，您应该始终从加拿大Equifax获得最新的信用信息和信用评分，以确保操作无误。
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国际留学生银行业务 | CIBC
国际留学生银行业务 | CIBC
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加拿大银行理财就此开始
新移民银行理财优惠
新移民银行理财优惠
CIBC Smart™ 新移民账户
外籍工人银行业务
国际留学生银行业务
外国受训牙医贷款方案
新移民信用卡
推荐新移民亲友
工具和资源
汇款和接收资金
新移民预算计算器
保护自己预防诈骗
来加须知清单
在加拿大买房
开始在加拿大投资
在新窗口中打开
特别优惠
开设CIBC Smart新移民账户作为您在CIBC的首个支票账户，便可获得$ 400†。
了解详情 CIBC Smart新移民账户的申请条件。
寻找分行或ATM机
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to C I B C online banking
Password
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Register
for C I B C online banking
Sign On
to C I B C online banking
We're sorry, CIBC Online Banking is currently unavailable. We apologize for any inconvenience.
Security Guaranteed
Electronic Access Agreement
加拿大银行理财就此开始
新移民银行理财优惠
CIBC Smart™ 新移民账户
外籍工人银行业务
国际留学生银行业务
新移民信用卡
推荐新移民亲友
汇款和接收资金
新移民预算计算器
保护自己预防诈骗
来加须知清单
在加拿大买房
开始在加拿大投资 在新窗口中打开
特别优惠
寻找分行或ATM机
联系我们
简体中文 Opens in a dialog.
Journeys
新移民银行理财优惠
国际留学生银行业务
国际留学生银行业务
新移民银行理财优惠
国际留学生银行业务
特别优惠
开设CIBC Smart™账户后，可获得高达$150奖励†并获取学生福利，例如月费全免1，交易次数无限制2，享受专为您提供的特别优惠。
为自己的学业和未来成就做好准备
在您到达之前，先开立一个加拿大银行账户
在来加拿大之前，先获批账户，并为您的学生银行账户注资。汇款到您的新开设的加拿大账户，无需服务费。3
在日常购物中节省开支
获得免费SPC会员资格，可在店内和网上进行时尚、食品和其它方面的消费，享受获得高达30%的折扣。‡
可在CIBC优盛投资进行免费交易
自己操作交易，展望想要的未来。18至24 岁的年轻投资者可以在线免费交易股票和ETF。11
无交易次数限制的日常银行理财，不设月费
从教科书到学费，教育方面的开支会越来越多。让我们帮助您明智地消费和储蓄。您将得到一张借记卡，可以在加拿大任何地方和网上安全地消费。
特别优惠
最高获得 $150
通过CIBC SmartTM Start优惠计划或CIBC SmartTM 学生优惠开设您的第一个支票账户，可获得高达$150的奖励
25岁以下的学生及青年
CIBC Smart Start优惠计划
CIBC Smart 账户25岁以下免付月费5
免费Interac e-Transfer 电子转账交易，无交易次数限制2
免费使用借记卡和Visa*借记卡，无交易次数限制
每月可免费于非CIBC自动柜员机提款一次（加拿大境内）6
只要您年满18岁，就可以通过CIBC优盛投资 在新窗口中打开开启您的投资之旅11
立即申请
CIBC Smart Start 优惠计划，在新窗口中打开
了解详情
年满25岁及以上的学生
CIBC Smart 学生优惠
全职在校学生免付CIBC Smart账户月费1
免费Interac e-Transfer 电子转账交易，无交易次数限制2
免费使用借记卡和Visa*借记卡，无交易次数限制
每月可免费于非CIBC自动柜员机提款一次（加拿大境内）6
优盛投资账户 开设之后，您可以享受学生费率，在线股票或 ETF交易每笔费用为$5.95。12
立即申请
CIBC Smart 学生优惠，在新窗口中打开
了解详情
使用无年费学生信用卡在网上和店内购物
建立您的信用记录并赚取奖励。如需申请，请前往我们遍布加拿大的1100个银行中心与业务代表讨论您的情况。预约与我们会面 在新窗口中打开。
特别优惠
获得$50 在头4个月内进行首次消费后，可获得现金返还！◇
超市消费可赚取2%的现金返还，其它消费赚取高达1%的现金返还。7, 8
特选信用卡
CIBC Dividend® Visa*学生信用卡
年费
$0
最低年收入要求
$0
消费利率
RDS%rate[2].VSDIV.Published(null,null,6,null)(#O2#)%9
提现利率
RDS%rate[2].VSDIV.Published(null,null,3,null)(#O2#)%9, 10
RDS(%rate[2].VSDIV.Published(null,null,90,null)(#O2#)% (适用于魁北克省居民）9, 10
寻找分行
在新窗口中打开。
了解详情 关于CIBC Dividend Visa学生信用卡。
发掘更多国际留学生信用卡的信息。
享受专门为您提供的折扣与优惠
在预算范围内购买学生生活的必需品
通过节省日常消费，为学费和书本费预留资金。作为CIBC的学生客户，您可获得免费的SPC会员资格和SPC+的独享优惠。‡
了解SPC会员资格。
在您到达加拿大之前，开立您的账户并安排注资
通过CIBC学生存款计划，在离家前就建立好您的账户。现在就申请，抵达后即可使用您的账户。
了解您账户的注资情况。
每推荐一位好友，可获奖励$25††
帮助朋友和家人获得办理学生签证所需的GIC保障投资证或学生银行账户，双方都能赚取$25的奖励。
了解我们的学生推荐计划。
学生享有更多优惠
Koodo
使用CIBC账户即可获得30天免费的Koodo服务覆盖全加拿大，其中包括7GB数据流量以及全加拿大无线通话和短信服务。
了解更多 关于CIBC为国际留学生提供的Koodo优惠
SPC+
CIBC学生或青年客户可获得免费SPC+会员资格，享有450多个顶级品牌高达30%的折扣。
了解更多 有关CIBC提供的免费SPC+会员资格
Journie Rewards积分卡
免费获得Journie Rewards积分卡，并连接符合资格的CIBC借记卡和信用卡，每升汽油可节省10分钱。
了解更多 有关Journie Rewards积分卡如何节省油钱
常见问题解答
什么是借记卡或银行卡？我如何使用？ Select to show or hide.
当您开立加拿大银行账户时，您会收到一张借记卡和一个用于保障安全的个人识别号码（PIN）。您可以把它用于支付商品和服务费用。当你用您使用借记卡付款时，钱会立即从您的账户中扣除并支付给商家。
Interac
e-Transfer电子转账或电邮汇款是什么？它们是否安全？ Select to show or hide.
这是一种安全快捷的方式，可以在加拿大境内将钱传送给另一个人。您所需要的只是收件人的电邮地址或加拿大手机号码，剩下的事情就交给我们处理了。了解更多关于如何使用Interac e-Transfer电子转账的信息。
我如何通过我的CIBC银行账户汇款到另一个国家？ Select to show or hide.
您可以通过以下两种方式之一，轻松地从通过您的CIBC银行账户进行国际汇款。
传送环球汇款：
登录网上理财后，选择环球汇款（Global Money Transfer）。要了解更多关于如何在全球范围内汇款的信息，请访问环球汇款。
发送电汇：
请亲自前往CIBC银行中心 在新窗口中打开。，我们的业务代表将能协助您。了解更多关于申请电汇所需要的信息 在新窗口中打开。。
什么是预算，为什么我应该有一个预算？
预算是一个如何花钱的计划。
作为一名学生，您会有很多开支，如学费、书本费和房租。您需要知道如何正确地管理您的财务，以便舒适地生活并支付您在学校所需的一切费用。
了解更多关于预算的信息，请试用我们的学生预算计算器。
我如何注册和登录CIBC手机理财和网上理财？ Select to show or hide.
要注册CIBC手机理财和网上理财，您需要您的CIBC借记卡或信用卡：
在您的手机设备上，下载CIBC手机理财应用程序
在电脑上，访问注册手机理财和网上理财
如需登录，您需要使用您的CIBC借记卡或信用卡。 1) 前往CIBC网上理财
2) 输入您的卡号和密码
3) 选择【登录】
我如何在我的手机或移动设备上办理银行业务？
只需几个步骤就可以开始电子银行服务：
开设账户并获得一张CIBC借记卡或信用卡
下载CIBC手机理财应用程序
使用您的借记卡或信用卡来注册电子银行服务
现在，您已经准备好随时随地进行银行理财。
让我们保持联系
若您有问题，我们可以通过电话和当面咨询。
随时致电我们
通过致电1-866-525-8622 开启您手机上应用程序。获取每周7天24小时全天候协助。
预订会面时间
前往分行与专家会面寻求账户、贷款等方面的协助。与我们会面 在新窗口中打开。。
前往分行或ATM机
我们在加拿大各地都有分支机构，很容易取得服务。寻找分行或ATM机 在新窗口中打开。。
条款和条件
†现金奖励优惠于2022年4月30日北美东部时间凌晨00：01开始，到2023年4月28日北美东部时间晚上9点结束。优惠适用于达到法定成年年龄的加拿大居民和留学生，并具备申请CIBC SmartTM Start 优惠计划或者 CIBC SmartTM学生优惠的资格，且 从2019年到开户期间不得是CIBC支票账户的持有者及联名账户持有者，全部条件由CIBC全权决定。如想获得奖励，请开设一个附有CIBC Smart™ Start优惠计划或CIBC Smart™学生优惠福利的CIBC Smart™账户。开户的2个月内，完成以下活动至多3项，每一项都可获得$50奖励：(i)提供您的电邮地址；(ii)1次定期自动存款；(iii)以下任选1项：(a)至少完成2次不同的定期预先授权扣款；(b)至少完成2次Visa借记卡消费；或(C)至少完成2笔在线账单支付，每次至少50加元。自动存款和预先授权扣款必须自开户当月后至少持续一年才有效。交易是否符合资格将由CIBC全权决定。 除非另有说明，否则该优惠不能与任何其它优惠、奖励或返还合并使用。 现金奖励将在您开户当月后的7个月内存入您的账户 (如果是ISBO账户则为10个月)。有其它条件；查看条款和条件(PDF, 40KB) 在新窗口中打开。
††如需获得免费SPC会员资格，您必须在注册会员时持有符合要求的CIBC产品，而且您必须通过CIBC网上或手机理财进行注册。符合要求的CIBC产品包括CIBC青年或学生银行账户、学生信用卡或学生信贷额度。符合要求的CIBC产品的完整清单可在以下网站找到SPC和CIBC。CIBC产品的联名账户持有人不可成为会员。您还必须是十四（14）岁或以上的加拿大合法居民，但若您取得会员资格的CIBC产品是学生信贷额度，则必须在三十（30）岁以下。只要您继续持有符合要求的CIBC产品，会员资格将自动更新并保持有效。
◇ 从2024年3月5日起，若您申请一张全新的CIBC Dividend® Visa*学生信用卡并获批，则您有资格使用该优惠。
若您申请并获批新的CIBC 红利Visa学生卡（CIBC Dividend® Visa* Card for Student），若您在前4个月的账单期内完成第一次购物，将获得一笔一次性的$30现金返还。
优惠仅适用于新批准的信用卡账户；不包括从现有CIBC信用卡转账到CIBC Dividend® Visa* Card。该优惠不能转让。该优惠可能随时取消或更改，恕不另行通知。CIBC可能会批准您的信用卡申请，但是若您曾在过去12个月内开设、转让或取消另外一张红利信用卡，您将不能享受此优惠。若您涉嫌操纵或滥用交易，或从事任何可疑或欺诈活动（由CIBC全权决定），该优惠可能被撤销。
††推荐优惠可能随时更改或结束，恕不另行通知。必须是拥有加拿大银行账户的加拿大实体/居民才有资格。学生的账户被激活后，推荐奖励将在14个工作日内存入您的加拿大银行账户。其它条件适用。了解更多关于《CIBC ISBO推荐计划的条款和条件》（PDF, 595 KB） 在新窗口中打开
1 直至毕业日期加上额外6个月，限期最长为4年半，此后适用Smart账户标准费用。
2 账户交易包括支票、提现、转账、预先授权付款、缴付账单（包括CIBC信用卡和CIBC个人信用额度）和借记卡签账。从CIBC eAdvantage储蓄账户向您名下其他的CIBC银行账户，CIBC个人信用额度和您的CIBC信用卡账户转账则不视为交易，如进行Interac e-Transfer电子转账则视为交易。所有账户向CIBC旗下贷款（不包括CIBC个人信用额度）、房贷和投资（已注册和未注册）的转账均免费。“CIBC旗下”指任何名称中包含CIBC的任何品牌。其它费用（即交易费用以外的收费）如下：从非CIBC自动柜员机提现（对于CIBC Smart Plus 账户，在加拿大境内，美国和其他国家从非CIBC自动柜员机提现的费用将每月退还；对于CIBC Smart 账户和适用于CIBC Smart Start 优惠计划或者 CIBC Smart 学生优惠的客户，每月可减免一笔在加拿大境内非CIBC自动柜员机提款的费用），Interac e-Transfer® 电子转账交易 （以下账户可免费进行Interac e-Transfer电子转账：CIBC Smart账户、CIBC Smart Plus账户、登记CIBC Smart Start优惠计划的客户、CIBC 优质增长账户兼CIBC 青年优势计划、CIBC Smart 学生优惠、CIBC日常支票账户之CIBC Advantage学生优惠；65岁及以上拥有CIBC支票账户的客户也无需支付任何Interac e-Transfer电子转账的费用），以及外币交易（包括非账户货币签发的支票）。
3采用CIBC外汇汇率。若您按照所选择的货币转账资金，在您输入转账金额时，在线平台将会显示所选货币金额和对应相关货币的汇率。该报价将在在线平台显示的截止日期和时间（“报价期”）内保持有效。在报价期内，您不能再发起其它转账请求，或获取其它报价。
外汇汇率由CIBC提供。CIBC的收入来自我们买卖外币的差价（价差）。本行的价差可能随时间变化（恕不另行通知）。此差价反映在在线平台上向您提供的报价中，可视为您的间接成本。
若您以加元转账资金，可能会被收取其它费用。这些费用在您最终确认在线平台资金转账之前会清楚显示出来。
4免除Interac e-Transfer电子转账交易的$1.50额外服务费。您传送的每一笔Interac e-Transfer电子转账都视为计算月费的交易。Interac e-Transfer交易有最高金额限制。详情请查阅《CIBC Interac e-Transfer的条款和条件》（PDF, 300 KB） 在新窗口中打开。
5 年满25岁及以上需支付Smart账户标准费用。
6 CIBC 将返还一笔非CIBC自动柜员机提款费用；其它金融机构的费用可能适用。
7 在被信用卡网络列为日用品店和超市的商户内购物（扣除退货），可获2%返现。被信用卡网络归类的商家为：(i)加油站、自动加油机和商家类别代码为MCC 5552的电动汽车充电站，(ii)加拿大本地及郊区通勤交通工具，包括地铁、街车、计程车、礼车及共乘服务（不包括可被归类为旅游服务或旅游预订的商户，如航空运输、租车及游轮 ，(iii)食肆、餐厅、饮食场所及快餐店，或(iv)经商户预先授权而定期（如每日、每月或每年）进行的定期付款，且被商户归类为定期付款（如每日、每月或每年）。在上述商家消费（扣除退货）可赚取1%的现金返还。所有其它消费，可获得0.5%的返现。2%和1%的返现优惠只适用于信用卡账户中所消费的前$80,000每年净签账额（即所有持卡人在任何类型商户的所有刷卡消费），或在日用品店、超市、加油站、自动加油机、类别代码为MCC 5552的电动汽车充电站商家、通勤车、餐饮场所和餐厅或在您账户上定期还款所作的$20,000消费；之后，在日用品店、超市、加油站、自动加油机、类别代码为MCC 5552的电动汽车充电站商家、通勤车、餐饮场所和餐厅或在您账户上定期还款所作的净签账额，会获得0.5%的返现。在您的12月份对账单打印后，$80,000和$20,000限额将会重置为零。条款及合资格零售商类别可能随时更改，恕不另行通知。返现支付给扣除退货后的信用卡签账，但不适用于提现、 CIBC环球汇款、利息、手续费、结余转户、付款和一般的 CIBC 信用卡便利支票。您账户中退货款项的信用额可能导致返现以更高赚取率减少，尽管退货款项可能与返现赚取率更低的消费相关。我们可能会提供特别优惠，包括获得CIBC环球汇款现金返还，这些优惠可能有期限且包含额外的条款与条件。
8 返现每月累积，从1月对账单开始，到12月对账单结束。只有主卡持卡人方可申请现金返还兑换。授权用户没有资格兑换现金返还。主卡持卡人可以在一年的任何时间内兑换现金返还，但前提是他们在提出兑换申请时必须至少有$ 25元的现金返还余额。兑换现金的最低金额为$25。现金返还将在提出兑换申请后5天内存入主卡持卡人的账户。任何现金返还将在12月对账单的最后一天自动兑换，这导致您的现金返还余额会被重置为零，并在您的下一份的对账单中获得对应的减免，或在有限的情况下，被CIBC允许的其它时间使用。若您的信用卡账户在对账单周期期间关闭或没有保持良好状态，CIBC则无需将对账单周期期间所赚取的现金返还存入您的账户。在兑换返现时，信用卡账户必须仍在使用并信用良好。
9 利率可能随时变动，将会在至少30天前通知主卡持卡人。“购买”指以卡支付且须扣除退货，但不包括提现、利息、手续费、结余转户、付款和CIBC信用卡便利支票。“现金”指提现、结余转户和CIBC便利支票。
10 提现无法获得返现。用信用卡取现会从取现当日计算利息，且受可用的信用额度和现金所限。
11 如果您在18到24岁之间，并拥有CIBC Smart™账户和CIBC Smart™ Start账户，每笔交易费用则为$0。您可免费在线交易加拿大和美国的股票和 ETF，相比正常费用节省$6.95。
12 如果您是 25 岁或以上的学生，使用CIBC Smart™学生账户，可以享受学生费率，在线股票或ETF 交易每笔费用为$5.95。
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加拿大帝国商业银行_百度百科
国商业银行_百度百科 网页新闻贴吧知道网盘图片视频地图文库资讯采购百科百度首页登录注册进入词条全站搜索帮助首页秒懂百科特色百科知识专题加入百科百科团队权威合作下载百科APP个人中心收藏查看我的收藏0有用+10加拿大帝国商业银行播报讨论上传视频北美最大金融机构之一加拿大帝国商业银行（Canadian Imperial Bank of Commerce）是由加拿大商业银行（1867年成立）与加拿大帝国银行（1875年成立）于1961年合并而成。 [1]公司名称加拿大帝国商业银行成立时间1867年总部地点加拿大经营范围金融服务公司类型股份制商业银行官 网https://www.cibc.com/目录1发展历程2组织机构3经营机构4经营管理5机构简介6银行荣誉7银行事件发展历程播报编辑加拿大帝国商业银行进入20世纪70年代，再次形成合并和兼并的高潮。1977年4月，该行获得澳大利亚的悉尼马丁公司集团有限公司40%的股权；同年8月和9月分别吞并了特立尼达和多巴哥有限公司商业信托公司银行；1977年和1978年两次获得一家法国私人拥有的圣·彼埃尔和密克隆银行40%的股权；1978年4月在新建于伦敦的投资银行加拿大帝国商业银行有限公司中获得51%的股权。在80年代，该行的经营状况不佳，在大宗贷款方面损失严重，1987年该行的贷款损失规定为15亿加元，而1990年贷款损失规定是2.54亿加元。进入90年代，加拿大帝国商业银行合理地调整战略方针，发展更为专业化的业务，包括资产证券化；私券；合并与收购；企业的重新组合；设备租赁和与利率及外汇管理有关的财务业务。1991年由于该行的营业利润大幅度改观，以及从巴西挽回的坏帐，使该行创造了建行124年以来的最高纪录一净收入达8.11亿加元，纯利息收入增长了 13%，达到34亿加元。存贷款利差很大，这样盈利更大。使其资产以6%的增幅进行复合式增长，其资产额达到1210亿加元。在1970年投资该行1万加元的股票，1991年可值2.6792万加元，加上股息1.2580万加元，使整个20年投额增长到4.4372万加元，以复合式利率计算，相当干每年增长7.73%。今日,加拿大帝国商业银行已发展为北美洲最大的银行之一，1994年资产总值为1015．74亿美元，一级资本为51.41亿美元，资本与资产之比为 5.65%，资产收益率为0．88%，资本比率为9.7%。加拿大帝国商业银行总行设在多伦多，下有1600个分行、代表处、代理机构和附属机构，其中 1500家设在本国，其余100家设在美国、英国、瑞士、意大利、北京、香港、新加坡、日本及台湾等13个国家和地区，聘用员上4．5万人，通过广大的分行网络，为600多万个个人及企业客户提供服务。目前，加拿大帝国商业银行有2．7万多个股东，其股票分别在多伦多、蒙特利尔、温尼伯、亚伯达、温哥华、伦敦及东京等地的股票交易所挂牌。1994年该行在世界大银行排名中列第48位。 [1]组织机构播报编辑加拿大帝国商业银行的最高决策机构是董事会，董事会下设7个委员会：1.执行委员会 负责检查银行的各项政策和措施的实施，当董事会未召开会议时，在法律许可的范围内，行使董事会的职能，并处理各种有关事宜。2.审计委员会 该委员会和股东审计员定期开会，听取总检查者和其他高级经理人员的报告，审查和评估金融情报系统和管理程序，审查银行年度审计报表以及银行的所有帐簿和记录。3.信贷政策委员会 由非银行雇员的董事组成，定期召开会议，以商讨银行借贷和投资活动方面的重大政策问题，包括贷款的集中、合并和获取，资产的组合等。4.资源和待遇管理委员会 审查银行的人事、管理和待遇方面的事宜，审查高级副总裁及以上职员的任命和报酬。在董事会认可的情况下，负责审批所有雇员的薪金和有功人员的提薪幅度。5.提名委员会 为董事会推荐合格的董事候选人，并对董事会的组成和规模、董事的报酬提出意见和建议。6.养老基金理事会 审查对雇员养老金的管理事直，审查基金管理人员执行的政策和措施，其中包括资产的组合，投资组合的质量及收益等。7.管制委员会管制委员会由审计委员会、信贷政策委员会及提名委员会的主席及董事会副总裁组成。管制委员会每年开会不少于一次，检讨加拿大帝国商业银行的管理制度是否有效，及是否对股东、顾客、雇员等完善其责任。管委员会与行政总裁定期会议每年不少于一次，检讨董事会及其属下委员会的功能及其运作的程序与制度。委员会要向董事会建议衡量行政总裁工作表现的准则。行政总裁至少每年一次向委员会呈交人事接班计划，使人事更替能有秩序地进行。经营机构播报编辑简介加拿大帝国商业银行分为两大经营机构个人与商业银行负责向加拿大消费者,农民及商业客户提供全面银行服务,并为该行西印度群岛的客户及全世界的私人客户提供银行服务。私人银行业务是个人银行业务经营活动的重要组成部分,该行通过其管理人员向积累了巨额财产的个人提供私人投资有价证券管理和其它各方面的金融服务。个人银行的雇员占帝国商业银行雇员总数的 76.5%,他们在十几个国家的1000多家分行、附属机构、代表处和代理机构提供这些服务。除分行网络外，还通过自动柜员机、电话银行服务、电子货币及与客户电脑终端机联网提供银行服务。该行客户可以通过电子讯息网络使用遍布在美国的8万部银行柜员机及遍布全球的10万多部柜员机。此外,加拿大帝国商业银行亦通过其附属机构提供保险及信托服务。投资及企业银行该行的投资银行业务是通过各分行及该行的附属公司WOOD GUNDY INC进行。WOOD GUNDY INC通过在加拿大、伦敦、纽约及东京等地的50个交易室进行各种金融工具交易。作为一个全面性的证券交易商，WOOD GUNDY成为美洲各主要证券交易所会员。其证券及投资银行业务包括：在加拿大及其他地区包销、买卖及分销政府及机构的证券；就合并、收购及分化经营问题为加拿大或国际性客户提供协助及顾问服务；协助机构及个人投资者进行国际性股票，债券及货币市场交易；提供全球性投资及经济研究服务。加拿大帝国商业银行持有加拿大怡东集团50%股份。加拿大怡东集团于香港，新加坡及台北的办事处提供全面的银行服务，包括；企业财务；资本市场，筹集债务资金及银团贷款；直接投资；投资组合管理服务。加拿大帝国商业银行还为企业、政府、金融机构及企业客户提供广泛的企业银行服务，包括：传统方式的融资、项目贷款、杠杆式融资、创新的融资工具、融资证券化、银团贷款、地产贷款、租赁、与国际贸易有关的票据贴现、信用证业务及补偿贸易等服务。经营管理播报编辑加拿大帝国商业银行注重经营管理效率，特别重视以下几个方面：1.在银行雇员中造成齐心协力气氛,十分注意从各方面激励雇员的积极性。例如，制订了雇员购买本行股票的计划，让雇员对自己银行进行投资，分享投资利益，从而把银行经营状况和雇员自身利益结合起来。2.坚持在职人员的培训，即使是高级职员也不例外，使他们具备达到优秀管理人员所心须的技能。3.将尖端信息系统和计算机设施用于银行管理，提高银行的经营管理水平。4.采用现代化经营手段，提高为客户服务的质量。客户个人的电脑终端可与分行的计算机系统联网，所有的分行计算机系统又联成一个大的网络。分行之间和地区办事处之间，以电子邮佯相沟通，不仅提供存款和取款的出纳服务，而且提供抵押询价、外汇等交易服务。企业客户还可以通过计算机系统直接了解他们拥有的债务状况，并通过自己的计算机终端把有关工资发放方面的资料直接告诉该行有关服务部门。加拿大帝国商业银行致力于为客户提供优质服务，在其各种业务上争取领先地位，以其不懈的努力及不断创新的金融产品及服务，适时开拓市场，故能成为北美最大金融机构之一。与中国的业务关系中国银行曾同加拿大商业银行、加拿大帝国银行分别于1958年和1960年建立代理关系，1961年两行合并后，继续保持与中国银行的业务在来关系。1963年中国银行在该行开立加元帐户。1971年该行在中国银行开立人民币帐户。 银行名称：CANADIAN IMPERIAL BANK OF COMMERCE 地址：Commerce Court，Toronts，Ontario M5L 1A2，Canada 电话：（461）9801211 传真：（461）9806442 电传：065 24116 电挂：CANBANK SWIFT：CIBC CA TT加拿大帝国商业银行于1981年在北京设置了代表处并长期参加中国的各种中长期商业贷款。在中国的众多项目筹资中，加拿大帝国商业银行曾分别参与作为牵头行，联合牵头行，代理行，安排行，独家贷款行或参加行等角色。这些项目包括大型国际饭店，火力发电站，煤变气工程，炼油厂，化工厂，国际科技贸易展览及交流中心，游乐场，酿酒厂，散装货轮，大型客机，教育设备，通讯设备，钢铁项目，以及纺织厂，铝罐厂，电子厂和其它大型工业项目等。亚洲金融危机之后，加帝商进行业务调整，暂时停止了一般性的商业贷款业务。机构简介播报编辑加拿大帝国商业银行(加帝商)是根据加拿大银行法全面运营的金融机构，它是在1961年由加拿大商业银行和加拿大帝国银行合并而成的。加拿大商业银行的前身是在1858年根据加拿大省的特别立法而成立的加拿大银行，之后银行的章程曾做多次修订以增加其资本金。截至1999年10月31日，资本充足率为 11.5%。截至1999年底的财政年度，加帝伤的资产总额为2，503.3亿加元，约合1，701.5亿美元。加帝商国内的12000多家分行服务于本国的500万零售业务客户，35万小型企业客户，以及大中型企业客户。加帝商在全球各个金融中心都设置了机构，在美欧主要地点为美国、瑞士、开曼岛、巴哈马、巴巴多斯、牙买加、英国、爱尔兰、等等。除了在美洲和欧洲之外，加帝商设置了在新加坡的亚太区总部，其亚太区网点设在澳大利亚、新加坡、香港、东京、北京等地。加帝商的董事会下设以下机构：执行委员会(Executive Committee)公司管治委员会(Corporate Governance Committee)董事任命委员会(Nominating Committee)稽核委员会(Audit Committee)风险管理及实施审查委员会( Risk Management& Conduct Review Committee)管理资源及薪筹委员会(Risk Management& Conduct Review Committee)退休金管委员会(Trustees of the Pension Funds)加帝商于1981年在北京设置了代表处并长期参加中国的各种中长期商业贷款。在中国的众多项目筹资中，加帝商曾分别参与作为牵头行，联合牵头行，代理行，安排行，独家贷款行或参加行等角色。这些项目包括大型国际饭店，火力发电站，煤变气工程，炼油厂，化工厂，国际科技贸易展览及交流中心，游乐场，酿酒厂，散装货轮，大型客机，教育设备，通讯设备，钢铁项目，以及纺织厂，铝罐厂，电子厂和其它大型工业项目等。亚洲金融危机之后，加帝商进行业务调整，暂时停止了一般性的商业贷款业务。该企业品牌在世界品牌实验室(World Brand Lab)编制的2006年度《世界品牌500强》排行榜中名列第三百二十六。该企业在2007年度《财富》全球最大五百家公司排名中名列第四百零九。银行荣誉播报编辑《环球金融》(Global Finance)杂志近日评选出2012年全球50家最安全银行榜单，根据榜单，加拿大帝国商业银行CIBC(Canadian Imperial Bank of Commerce)排名第六，全球排名26位。 [2]2018年12月，世界品牌实验室发布《2018世界品牌500强》榜单，加拿大帝国商业银行排名第467。 [3]2020年1月，2020年全球最具价值500大品牌榜发布，加拿大帝国商业银行排名第246位。 [4]2020年2月，2020年度“全球银行品牌价值500强排行榜”发布，加拿大帝国商业银行排名第38位。 [5]2020年5月13日，加拿大帝国商业银行名列2020福布斯全球企业2000强榜第179位。 [6-7]2021年5月，加拿大帝国商业银行位列“2021福布斯全球企业2000强”第171位。 [8]2022年12月9日，胡润研究院发布《2022胡润世界500强》，位列365名。 [9]银行事件播报编辑当地时间2023年12月7日，据央视新闻，据彭博社报道，加拿大金融交易和报告分析中心当天表示，加拿大帝国商业银行（CIBC）因不遵守反洗钱和反恐怖主义融资措施被罚款130万加元。 [10]新手上路成长任务编辑入门编辑规则本人编辑我有疑问内容质疑在线客服官方贴吧意见反馈投诉建议举报不良信息未通过词条申诉投诉侵权信息封禁查询与解封©2024 Baidu 使用百度前必读 | 百科协议 | 隐私政策 | 百度百科合作平台 | 京ICP证030173号 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Your bank is as close as you need it to be — like in your pocket — with the CIBC Mobile Banking App®.
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What you can do on our banking app
We make it easy to stay connected to your finances on your tablet, smartphone or Apple Watch®. Already banking online? Check out these mobile-only features.
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How to: Open a Bank Account or Apply for a Credit Card Anywhere (0:59) Play video: How to: Open a Bank Account or Apply for a Credit Card Anywhere (0:59). Opens a pop-up.
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We’re enhancing our mobile banking experience. Check out the new updates. Learn more About our digital banking updates
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Frequently asked questions
How complicated is using the mobile app? Show or hide answer.
Short answer: it's not.
If you've used a bank machine (ATM), the interaction on the app is similar. You'll need to sign on to your account and use the menus to select what you'd like to do. Don't worry about making a mistake — you'll be able to confirm your transaction before it's completed.
Do I have to register for CIBC Online Banking® to use the mobile app? Show or hide answer.
Yes, you will need to register for online banking to use the CIBC app.
To get started, you’ll need a valid CIBC debit or credit card.
Learn how to set up digital banking.
Can I use the app if I only have a credit card with CIBC? Show or hide answer.
Yes, you sure can. First, you’ll need to register for digital banking.
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What devices can I use for CIBC Mobile Banking®? Show or hide answer.
The latest version of the CIBC mobile app is supported on iPhone®, iPad®, Apple Watch®, Android™, BlackBerry® and Microsoft devices. Please update your device’s operating system to the latest version. This will make sure you can access all feature of the app.
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Is mobile banking secure? What if I lose my phone? Show or hide answer.
CIBC protects your banking information using multiple layers of security.
In the unlikely event of unauthorized access to your account, your money is protected by CIBC’s Digital Banking Guarantee.
To help protect your information, make sure to select a CIBC banking password that’s hard to guess, set up a password for your phone, and regularly review your bank statements.
How do I reset my password? Show or hide answer.
It's easy to change your CIBC Online Banking password.
1) Sign on to CIBC Online Banking with your card number and password.
2) Select “Customer Services.”
3) From the "Site Preferences" column, select "Change your password."
4) Enter your existing Online Banking password for your CIBC debit card.
5) Enter your new 6 to 12 character password twice, then select "Save Changes." A confirmation page will let you know if the change was accepted.
What's a one-time verification code and what's it for? Show or hide answer.
To complete a sensitive transaction, you'll be prompted to enter a one-time verification code.
Sensitive transactions could include updating your contact information, sending a large bill payment or adding a new Interac e-Transfer recipient.
Here's what you need to do: 1) Choose to receive your one-time verification code by text or phone call. 2) Get a 6-digit one-time verification code instantly. 3) Enter the code to complete your transaction. Learn more about the two-step verification process
Which language preferences are available on the CIBC app? Show or hide answer.
The CIBC app is available in English and French. Here's how to change your language preference:
1) Go to your device settings. 2) Switch your language preference to French. The CIBC app will reflect this language change.
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† The CIBC free credit score service is a feature in the CIBC Mobile Banking App which allows CIBC clients to subscribe to get their credit score from Equifax Canada.
The Equifax credit score is based on Equifax’s proprietary model and may not be the same score used by third parties or by CIBC in certain instances to access your creditworthiness. The provision of this score to you is intended for your own educational use. Third parties and CIBC will take into consideration other information in addition to a credit score when evaluating your creditworthiness.
You should always obtain the most updated credit information and credit scores from Equifax Canada to ensure accuracy before making a major financial decision.
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Frequently asked questions
How complicated is using online banking? Show or hide answer.
Short answer: it's not.
If you've used a bank machine (ATM), the interaction on your computer is similar. You'll need to sign on to your account and use the menus to select what you'd like to do. Don't worry about making a mistake — you'll be able to confirm your transaction before it's completed.
Is online banking secure? Show or hide answer.
CIBC protects your banking information using multiple layers of security.
In the unlikely event of unauthorized access to your account, your money is protected by CIBC’s Digital Banking Guarantee.
To help protect your information, select a CIBC banking password that’s hard to guess, and regularly review your account statements.
How do I sign on? Show or hide answer.
To sign on, you'll need your CIBC debit or credit card. There are two ways to sign on to online banking.
1) Visit cibc.com.
2) Near the top of the page, enter your card number and password.
3) Select "Sign On."
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1) Go to the Online Banking sign on page.
2) Enter your card number and password.
3) Select "Sign On."
How do I reset my password? Show or hide answer.
It's easy to change your online banking password.
1) Sign on to online banking with your card number and password.
2) Select “Customer Services.”
3) From the “Site Preferences” column, select “Change your password.”
4) Enter your existing online banking password for your CIBC debit card.
5) Enter your new 6- to 12-character password twice, then select “Save Changes.” A confirmation page will let you know if the change was accepted.
For more information, visit How to Reset Your Password.
What's a one-time verification code and what's it for? Show or hide answer.
To complete a sensitive transaction, you'll be prompted to enter a one-time verification code.
Sensitive transactions could include updating your contact information, sending a large bill payment or adding a new Interac e-Transfer recipient.
Here's what you need to do:
1) Choose to receive your one-time verification code by text or phone call. Also, keep in mind that carrier charges may apply.
2) Get a 6-digit one-time verification code instantly.
3) Enter the code to complete your transaction.
Learn more about the two-step verification process
Is there a fee for online banking? Show or hide answer.
No, not at all. Online banking is a free service for CIBC clients.
You'll need an internet connection to sign on.
Can I use my CIBC credit card number to sign on? Show or hide answer.
Yes, you can. First, you’ll need to register for digital banking.
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† CIBC foreign exchange rates apply. A Global Money Transfer and a Foreign Exchange transaction counts towards your allowable transaction limit, bank account transaction fees may apply. Must have a CIBC chequing, savings or personal line of credit account to send a CIBC Global Money Transfer. Most transfers are completed by the next business day. However, there are times when a transfer requires 2 to 3 business days to be completed.
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That’s our specialty. We can help you get closer to your goals, every day.
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Bank your way
Manage your accounts the way you like with top-ranked online and mobile banking, plus one of the largest ATM networks across Canada.
Get digital access within minutes11
Apply online and access your bank account instantly. You can also add your debit card to your mobile wallet and start shopping on the first day.
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Chequing
CIBC Smart™ Account
Special chequing offer
Get $350† when you open your first chequing account and complete the qualifying actions.
Includes
Free Interac e-Transfer® transactions1
One free non-CIBC ATM withdrawal in Canada per month2
Monthly fee rebate available3
Monthly fee
$6.95 to $16.95
Transactions4, 5
Up to 12: $6.95 monthly fee
13 to 20: Additional $1.25 each
Unlimited: $16.95 monthly fee
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Savings
CIBC eAdvantage® Savings Account
Special offer
Save more, faster. Get RDS%rate[3].CESA.Published(null,0.0_and over_0.0_CAD_Bonus,1,1)(#O2#)%‡ for 4 months when you open your first account. Limits apply.
Includes
No minimum balance requirement
Smart Interest6 on up to $200,000 when you save $200 or more a month.
No monthly fee; $5 per transaction4
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Chequing
CIBC Smart™ Plus Account
Special chequing offer
Get $350† when you open your first chequing account. Plus, enjoy all-in-one banking with over $1,000 in value.◊
Includes
A premium CIBC credit card with annual fee rebates7,8
Unlimited transactions, including Interac e-Transfer® service1
Unlimited ATM cash withdrawals in Canada, the U.S. and internationally9
Monthly fee rebate available10
Monthly fee
$29.95
Transactions4
Unlimited
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What is a bank account?
A bank account can be used for everyday spending or long-term saving. Different types of accounts come with different benefits, so it’s important to find the best fit for you.
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Why open a bank account with CIBC?
A CIBC bank account is a great way to manage your finances and save money. Our accounts come with features, tools and rewards to help you reach your goals.
Save money with rewards and discounts
Save up to 10 cents per litre on gas
Link and use your CIBC card with Journie Rewards to save on gas at participating Pioneer, Fas Gas, Ultramar and Chevron locations.
Learn more about Journie Rewards
Get money back at popular retailers
Start getting money back on your everyday purchases at top retailers with CIBC and Paymi.
Learn more about Paymi
Student deals and discounts with SPC+ and CIBC
Put away money for tuition and books by saving on everyday purchases. Get a free SPC+ membership as a CIBC student or youth client.
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Our clients are our priority
Save on bank account fees
We'll guide you with advice and tips so you can get the most from your account(s).
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Enjoy more value from your bank account
Overdraft protection
CIBC Overdraft Protection Service covers you up to your approved credit limit7 when you don’t have enough money in your account to complete a transaction.
Learn about overdraft protection
eStatements
Switch to eStatements to reduce paper clutter and record-keeping fees. Get up to 7 years of statements online and download them for free, any time.
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Simplify your banking
Pre-authorized payments
Pre-authorized payments are automatically debited from your chequing account monthly, semi-monthly, biweekly or weekly. They’re easy to set up and you'll never miss a bill payment again.
AutoSave
Set up automatic transfers in less than 1 minute between your CIBC chequing and savings accounts using CIBC Online or Mobile Banking® and keep your savings goal on track.
Direct deposit
Direct deposit is a quick and easy way to get your payroll or other deposits straight into your chequing account.
Create healthier financial habits with CIBC Insights
Manage your daily spending and grow your savings with help from CIBC Insights — a tool included in the CIBC Mobile Banking App® that offers tailored tips based on your debit and credit card activity.
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Did you know?
You can download one simple form to help you set up pre-authorized payments and direct deposits.
Account Information For Payroll, Direct Deposit or Pre-Authorized Payment (PDF, 510 KB) Opens in a new window.
Help and advice
Lost, stolen or damaged cards
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Report fraud
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Resources
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Order foreign cash online
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What type of bank accounts does CIBC offer? Select to show or hide answer.
We offer a variety of bank accounts. Finding the right account depends on your spending and savings needs.
We have chequing accounts for everyday transaction needs, savings accounts for growing your funds and a variety of specialized accounts including youth, senior and U.S. dollar accounts.
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There is no minimum balance for most of our bank accounts. If you’re opening a TFSA or another registered savings account, there is a $25 minimum investment.
For some chequing accounts, you may be eligible for a monthly fee rebate if you maintain minimum balance requirements.
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† Cash reward offer begins on April 29, 2023, at 12:01 am ET. Offer available to Canadian residents who are age 25 and older for a CIBC Smart™ Account or have reached the age of majority for a CIBC Smart™ Plus Account, and from 2019 to the time of opening the account are not holders or joint holders of a CIBC chequing account, all as determined by CIBC in its sole discretion. To qualify for the $350 offer, open a CIBC Smart Account or CIBC Smart Plus Account and provide your email address. Within 2 months after the month of opening the account, complete at least 1 or more recurring direct deposits totalling at least $500 per month and 1 of the following 3 activities: (i) 2 different recurring pre-authorized debits within the same calendar month; (ii) 5 eligible Visa* Debit purchases within the same calendar month; or (iii) 2 online bill payments of at least $50 each within the same calendar month. The direct deposit and the pre-authorized debit must remain in effect for at least 1 year from after the month of opening the account. Eligibility of transactions will be determined by CIBC in its sole discretion. Offer cannot be combined with any other offer, reward, rebate or the CIBC Smart Start or Smart for Students benefit on the Smart Account unless otherwise indicated by CIBC. The cash reward will be deposited into your account within 7 months after the month that you opened the account. Other conditions apply; review the terms and conditions (PDF, 135 KB) Opens in a new window..
◊ Value of over $1,000 is based on the following, as of April 29, 2023 and assumes the following services are used:
i) $203.40 ($16.95 per month for unlimited transactions) for using a CIBC Smart™ Account;
ii) $289 in annual fees for the CIBC Aventura® Visa* Infinite* Card, which includes a $139 annual fee rebate for the primary cardholder and annual fee rebates for 3 additional authorized users ($50 for each authorized user);
iii) $60 in value based on the inclusion of CIBC Overdraft Protection Service monthly fees ($5 per month); note that interest charges for overdraft amounts and overdraft overlimit fees apply;
iv) $20 in value based on non-CIBC bank machine fees assuming 6 domestic, 1 U.S. and 1 international bank machine withdrawals in one year;
v) $77.79 for an order of 100 duplicate cheques in Ontario per year;
vi) $9.95 for 1 bank draft per year;
vii) $9.95 for 1 money order per year;
viii) $25 for 2 stop payments per year;
ix) $12 for CIBC Mutual Funds RRSP annual administration fee
x) Get the $350 offer for opening a CIBC Smart™ Plus Account as your first CIBC chequing account, and providing your email address. Within 2 months after the month of opening the account , complete at least 1 or more recurring direct deposits totalling at least $500 per month and 1 of the following 3 activities: (i) 2 different recurring pre-authorized debits within the same calendar month; (ii) 5 eligible Visa* Debit purchases within the same calendar month; or (iii) 2 online bill payments of at least $50 each within the same calendar month. The direct deposit and the pre-authorized debit must remain in effect for at least 1 year from after the month of opening the account. Other conditions apply; review the terms and conditions.
‡ This offer is only available to clients opening their first CIBC eAdvantage® Savings Account (“eSA”). Eligible eSAs will earn a special annual interest rate (the “Special Interest Rate”) on balances up to $1,000,000 for 120 days from the date the eSA is opened (“Special Rate Period”). The Special Interest Rate is a combination of the regular interest rate that applies to your eSA balance tier plus an additional bonus interest rate. Any change to the regular interest rate will result in a corresponding change to the bonus interest rate so that the overall Special Interest Rate will remain the same during the Special Rate Period. Regular interest is calculated daily on each day’s full closing balance and paid monthly to your eSA. Bonus interest is calculated daily on each day’s full closing balance up to a balance limit of $1,000,000 during the Special Rate Period and is paid monthly to your eSA. Both the regular and bonus interest rates are based on the tier your daily closing balance falls within. For current interest rates, visit cibc.com/savingsinterest. Interest rates quoted are annual; regular and bonus rates may change at any time without prior notice. Other conditions apply. For full offer details, review the Terms and Conditions (PDF, 140 KB) Opens in a new window. or visit a CIBC Banking Centre Opens in a new window..
1 The additional $1.50 service fee is waived for sending Interac e-Transfer transactions. Each Interac e-Transfer transaction you send counts as a transaction for calculating your monthly fee. Maximum dollar amount applies for Interac e-Transfer transactions. For details, review the CIBC Interac e-Transfer Terms and Conditions (PDF, 300 KB) Opens in a new window..
2 CIBC will rebate one non-CIBC ATM withdrawal fee charge; charges from the other financial institution may apply.
3 Entire monthly fee is rebated if you maintain a minimum end of day balance of $4,000 each day. For details, review the CIBC Smart Account fee rebate terms and conditions, part of the Personal account service fees (PDF, 210 KB) Opens in a new window..
4 A transaction includes cheques, withdrawals, transfers, pre-authorized payments, bill payments (including CIBC Credit Cards and CIBC Personal Lines of Credit) and debit purchases. For CIBC eAdvantage Savings Accounts, a transaction does not include transfers to your other CIBC personal bank account(s) and to your CIBC Personal Line(s) of Credit (except Interac e-Transfer service which will be treated as a transaction) and transfers to your CIBC Credit Card account(s). For all accounts, transfers to CIBC-branded loans (excluding CIBC Personal Lines of Credit), mortgages and investments (registered and non-registered) are free. “CIBC-branded” means any brand that has CIBC in its name. Other fees (in addition to any transaction fee) include: withdrawals from non-CIBC bank machines (for CIBC Smart Plus Accounts, the fee for all non-CIBC ATM withdrawals in Canada, the U.S. and internationally is rebated each month; for CIBC Smart Accounts and for clients enrolled in CIBC Smart Start or CIBC Smart for Students, the fee for 1 non-CIBC ATM withdrawal made in Canada is rebated each month), Interac e-Transfer® transactions (the Interac e-Transfer fee is waived for CIBC Smart Accounts, CIBC Smart Plus Accounts and for clients who are enrolled in CIBC Smart Start, CIBC Premium Growth Account with CIBC Advantage for Youth, CIBC Smart for Students, and CIBC Advantage for Students on the CIBC Everyday Chequing Account; clients 65 years of age and older do not pay the Interac e-Transfer fee on any CIBC chequing account) and foreign currency transactions (including cheques written in currencies other than the account currency).
5 Any free or unused transactions can't be carried forward for use in subsequent months.
6 Smart Interest is an interest reward earned on the total account balance in your CIBC eAdvantage Savings Account(s), up to a maximum aggregate balance limit of $200,000 (“Smart Balance Maximum”), each month in which you save at least $200 (excluding interest earned) across all your account(s) with the same account holders (“Smart Balance Growth”). Smart Interest is calculated daily at the current Smart Interest rate on each day’s full closing balance (up to the Smart Balance Maximum) and paid between the first 5 to 7 business days of the following month. Smart Interest rate quoted is an annual rate. Smart Interest, the Smart Balance Maximum and the Smart Balance Growth amount may change at any time without prior notice. Other conditions apply. See the full Terms and Conditions available at CIBC Smart Savings.
7 Subject to credit approval.
8 The rebate is also available for cardholders with the following CIBC cards no longer available for new clients: CIBC Aventura World Mastercard®, CIBC Aventura World Elite® Mastercard, CIBC Aerogold Visa and CIBC Gold Visa. The rebate is up to $139 on the annual fee for primary cardholder and up to $50 on the annual fee for up to 3 additional cards.
Terms and conditions apply. For details, review the CIBC Smart Plus Credit Card Annual Fee Rebate Terms and Conditions (PDF, 75 KB) Opens in a new window..
9 Fees charged by other financial institutions or third parties for using their ATMs, and the 2.5% administration fee on the converted amount for foreign currency ATM withdrawals aren't included in this feature and will be charged to your account. ATM withdrawal amounts may be limited to a maximum dollar withdrawal amount.
10 Flat monthly fee for unlimited everyday banking transactions, unlimited Interac e-Transfer transactions and ATM withdrawals. Entire monthly fee is rebated if you maintain a minimum balance at the end of each day of the month of $6,000 in your account or at least $100,000 in eligible Savings and Investments. Terms and conditions apply. For details, review the CIBC Smart Plus Account Fee Rebate Terms and Conditions (PDF, 90 KB) Opens in a new window..
11 Currently available on the CIBC Smart™ Account, CIBC Smart™ for Seniors, CIBC Smart™ for Newcomers and CIBC eAdvantage® Savings Account.
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CIBC Online Banking | CIBC en direct
Online Banking | CIBC en directWe're sorry but CIBC Online Banking doesn't work properly without JavaScript enabled. Please enable it to continue.Désolés, Services bancaires en direct ne fonctionne pas correctement lorsque JavaScript n'est pas activé. Veuillez activer JavaScriâ€�App Store 上的“CIBC Mobile Bankingâ€�
�App Store 上的“CIBC Mobile Banking�
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CIBC Mobile Banking
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CIBC
3.9 • 127 个评分
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简介
FIND IMPORTANT DISCLOSURES BELOWThe CIBC Mobile Banking App has received the highest ranking in customer satisfaction in Canada, according to a 2021 study from J.D. Power. We’re always striving to make our app do more for you.FEATURES• Securely access your accounts with your fingerprint, face ID or password. • Apply for bank accounts or credit cards and view your application status in real time. • Get a snapshot of all your accounts in the same place, anytime. • Use Apple Pay/Google Pay or Samsung Pay at payment terminals. • Set up instant, post-dated or recurring payments. • Deposit cheques in a flash - all you need is to take a picture with your phone. • Send and receive money instantly with Interac e-Transfer. • Quickly search for branches, banking hours, bank machines and mortgage advisors near you. • Receive your free Equifax credit score directly in the app, without affecting your score. • Our Travel Tools feature a currency converter, helpful tips and emergency numbers for while you’re away. • Our Virtual Assistant is available 24/7 to answer your banking questions and is able to perform everyday banking transactions on your behalf. LANGUAGES Supports English and French PRIVACY Your privacy and security comes first. Learn more about how CIBC is committed to protecting you by visiting https://www.cibc.com/en/privacy-security.html. LEGAL By downloading the CIBC Mobile Banking App you consent to the installation of this App and to any future updates or upgrades which may be automatically installed depending upon your device or operating system’s default settings or the settings you have selected. The app (including any updates or upgrades) may: (i) cause your device to automatically communicate with our servers to deliver the features and functionality described in the app description or through new features as they are introduced, and to record usage metrics; (ii) collect, use and disclose personal information as set out in our Privacy Policy; and (ii) affect preferences or data stored on your device. You can withdraw your consent at any time by uninstalling this App. For assistance, contact CIBC at the mailing address below. CONTACT For your banking questions, please visit: https://www.cibc.com/en/contact-us.html. Telephone Banking: 1-800-465-2422 Address: CIBC Head Office, 81 Bay Street, CIBC Square, Toronto, Ontario, Canada M5J 0E7 Website: http://www.cibc.com
新内容
2024年2月8日
版本 10.52.2
We want to give you the best everyday banking on the go. In this update, we’ve fixed some bugs to improve reliability and performance. Keep your app updated to get the latest tools.
评分�评论
3.9（满分 5 分）
127 个评分
127 个评分
洛懿钧
，
2020/05/03
Display app name issue
I am using my IOS in Chinese simplified, and mobile banking app name shows CFbundledisplaynme. It is hard for a OCD guy like me. Fix it if it’s convenient.😂
CharleneSASA
，
2020/07/26
Stopped working since July 24
The app was working well in Canada and China, but not in the Macau area. Starting July 24, 2020 the app has stopped working. I’m now not even able to sign in. The app interface would disappear whenever I tap on it on my iPhone. Pls take a look and fix ASAP. Thanks
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