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CIBC Unlimited® Chequing Account

Enjoy the freedom to bank as much as you want, without limits and earn valuable Aeroplan®2 Miles.

  • Unlimited transactions1 - cheques, withdrawals, transfers, pre-authorized payments, bill payments and INTERAC* Direct Payment purchases
  • Earn Aeroplan Miles when you enrol in the Aeroplan Miles reward feature and complete qualifying banking transactions2
  • Unlimited access through CIBC bank machines, branches, CIBC Telephone and Online Banking, or INTERAC Direct Payment
  • Flat monthly fee with no surprises
  • No minimum monthly balance requirements
  • Free standard personalized cheques

And with the CIBC Express Switch® Service3, it's easy to transfer your pre-authorized transactions and/or account balance (with account closure) from another bank to CIBC.

Interested in opening a new account? If you already have a CIBC personal bank account, just call Telephone Banking. Otherwise, call us to start the application process, or visit one of our branches. 1-866-525-8622 toll free.

Is it for you?

The CIBC Unlimited Chequing Account could be for you if any of the following apply:

  • You expect to use your account frequently
  • You believe it's important to know in advance exactly what your fees will be every month
  • You would like to access your account in branches, with CIBC Online Banking or Telephone Banking
  • You want a bank account that offers valuable rewards for your banking

Key benefits


Earn your rewards

NEW! Earn Aeroplan Miles rewards for qualifying banking transactions2.
Here’s how it works:

  • Enrol your new or existing CIBC Unlimited Chequing Account into the Aeroplan Miles reward feature by advising any CIBC branch or calling CIBC Telephone Banking
  • When enrolling, provide us with your existing Aeroplan number or instructions to open an Aeroplan account on your behalf
  • Set-up and maintain at least one eligible recurring direct deposit into, or three different eligible recurring pre-authorized debits from, your CIBC Unlimited Chequing Account

After enrolling and completing qualifying transactions, you will earn:

  • Either a one-time Welcome Bonus of 5,000 Aeroplan Miles for a new account or a one-time Thank You Bonus of 2,500 Aeroplan Miles
  • Monthly Bonus of 100 Aeroplan Miles

Conditions apply. For full details, please see Terms and Conditions
Saves you money
  • You get unlimited transactions including cheques, withdrawals, transfers, pre-authorized payments, bill payments and INTERAC Direct Payment purchases
  • Certainty of a flat monthly fee
Convenient
  • Access your account through CIBC branches and bank machines, Telephone or Online Banking, or INTERAC Direct Payment
  • Choose the free record keeping option that suits you best: bankbook, basic monthly or quarterly statement, paperless option, or monthly statement with cheques imaged4
  • CIBC Express Switch Service makes it easy to switch your pre-authorized transactions and/or account balance (with account closure) from another bank to CIBC

Information you need to know:

  • Monthly fee: $12.95
  • Interim statement: $4.50 each

Trademarks and disclaimers

Products and their features may change at any time.

This is a general description only. For complete information about fees, refer to the service fee disclosure brochure Personal Account Service Fees, effective April 1, 2007.

1 "Transaction" includes the following: cheques, withdrawals, pre-authorized payments, bill payments and INTERAC Direct Payment purchases. All withdrawals at bank machines not displaying the CIBC name or logo are subject to additional fee(s).

2 Qualifying banking transactions include at least one eligible direct deposit made into your Unlimited Chequing Account or at least three different eligible pre-authorized debits withdrawn from your Unlimited Chequing Account in the same month. Your enrolment in the Aeroplan Miles reward feature on your UCA is required to earn Aeroplan Miles. Other terms and conditions apply. Ask in-branch or call CIBC Telephone Banking for details.

3 CIBC Express Switch is available only when an account is opened in a branch or by CIBC Telephone Banking. If you wish to use this service, your account at another bank must be a traditional branch-based personal bank account from which CIBC Express Switch can transfer pre-authorized transactions and/or account balances. Eligibility may change from time to time and some pre-authorized transactions may not qualify for the switch.

4 Only the front of cheques will be imaged.

® Registered trademark of CIBC.

®1 Trademark of INTERAC Inc., CIBC authorized user of trademark.

®2 Aeroplan is a Registered Trademark of Aeroplan Limited Partnership.