Seniors Support Centre

Programs and products for seniors

We have special products, programs and services to support seniors online, by telephone and in our CIBC banking centres.

Priority telephone routing

We’ve launched priority phone routing for seniors age 65 and older, helping to make it faster and easier for you to get your everyday banking done by phone. This measure means that clients who are age 65 and older will automatically be moved into priority queue when they enter their debit card number.

Accessibility at CIBC

We have accessible banking options to serve you better online, via telephone and in person at our banking centres. This includes offering Braille and large print communication options for select print materials. Also, statements for your CIBC deposit accounts and CIBC Visa* accounts can be provided to you in a selection of accessible formats.

Learn more about accessibility at CIBC

Protect yourself from fraud

Scammers are focused on finding increasingly misleading ways to take advantage of both you and the latest technologies. Learn how to protect yourself by identifying common fraud features and using a healthy level of skepticism when things don’t seem quite right.

Learn more about protecting yourself from fraud

Play video: Protect yourself against fraud and scams (2:35) | Transcript

CIBC Smart™ for Seniors

When you turn 65, you're automatically eligible for the CIBC Smart for Seniors program. This program gives you special perks on your chequing and savings accounts.
With our chequing accounts¹ you can enjoy:

A lower monthly fee
Free Interac e-Transfer® transactions with the CIBC Smart™ Account and CIBC Smart™ Plus Account
Free bank drafts and money orders

Learn more about Smart for Seniors

Bank your way

Be in control of your money with our digital, telephone, and in-person banking services, tools and advice.

A paperplane flying over a smartphone displaying a dollar bill.

Digital banking

Do your banking online or on your mobile device, quickly and securely. We’ll show you how.

How to register for CIBC Online and Mobile Banking Play video. Opens in a dialog.

Transcript for video. How to register for CIBC Online and Mobile banking. Opens in a new window.

Learn more about digital bankingabout free Interac e-Transfers® for seniors.

A tablet showing a document next to a cup of coffee.

Telephone Banking

It’s easy to pay bills, transfer money or manage your account using our automated service.

Call 1-800-465-2422 Opens your phone app.

Learn more about Telephone Banking

ATM and branch network

With CIBC’s network, your money is where you need it.

Find an ATM or Banking Centre near you Opens in a new window.

Protect yourself

Common types of Senior-targeted scams

Grandchild emergency scam

An impersonator claiming to be a grandchild calls, asking for funds due to financial troubles. Common financial troubles include bail, ransom, family emergency and car accident injuries.

Romance scam

A fraudster sends a friend request through social media or dating site and spends time communicating to build a trusting relationship. They will then fabricate a financial issue in order to persuade you to send money.

Prize or inheritance scam

An unsolicited call may come from someone claiming you have won the lottery, inherited money or another monetary prize, and are required to pay taxes or a fee in order to receive the prize.

Service scam

An unsolicited call may come from a computer or software company advising of security, warranty or other computer-related issues. The fraudster will claim they need to fix these issues remotely and take over your computer.

Safe or scam? Test your fraud knowledge.

Catch fraud before it happens to you. Find out if you can identify the signs of some common scams with our 5-minute quiz.

Take our quiz

Scam red flags

If it sounds too good to be true, it usually is
Don’t fall for anyone asking you to move money for them
Any investment opportunity you learn about via the Internet should be approached with extreme caution
Legitimate lotteries do not require you to pay a fee or tax to collect winnings
Don’t accept a cheque or money order payment that is more than you agreed upon. The cheque is likely fraudulent

Best practices for avoiding scams

Always protect and keep your personal and banking information confidential
Be cautious of unsolicited text messages, emails and phone calls
Never send money to someone you’ve never met in person
Before sending any money, discuss your situation with someone you trust like a family member, friend or advisor
Turn on Push Notifications in the CIBC Mobile Banking app and in Online Banking so you can monitor your accounts
Use touch ID, facial recognition or two-step verification wherever it is available to keep your accounts secure

Learn more about banking fraud

What to do if you suspect fraud is happening to you

Gather all the relevant information including receipts, emails and text messages

Get in contact with CIBC by:

Contact the Canadian Anti-Fraud Centre at 1-888-495-8501 Opens your phone app.. Or, visit their website the Canadian Anti-Fraud Centre. Opens in a new window..

Report the incident to your local police force

If the fraud took place online, report the incident directly on the website under “report abuse” or “report an ad”

Place a flag on your accounts and report it to the following credit bureaus:

Learn more about banking fraud

Advice and well-being

Use our resources and tools to help take care of your finances and your family.

Enjoying retirement

Maximize every moment of your retirement with our expert tips and strategies. Here are some answers to questions you may have at different stages of your retirement journey.

Learn more about retirement planning about free Interac e-Transfers® for seniors.

Wills and estate planning

There are many good reasons for planning for the future, including writing a will. Learn more about what an estate plan is and why you need one.

Play video: Make smart decisions: Wills and estate planning (2:02) | Transcript

Tax tips

Discover tips that can help you make the most of your cash flow in retirement.

Play video: Learn more about tax savings (2:17) | Transcript

Smart Advice virtual events

Join our virtual events to learn from our experts about things that matter to you. Our events will help you plan for your future and build your financial well-being.

Explore our Smart Advice virtual eventsabout priority phone service for seniors. Opens a new window in your browser.

Tools and calculators

Our digital tools will help you make the decision that is right for you.

Explore our tools and calculators

We've got the tools and tips to grow your financial know-how. For some additional resources to help you take care of your finances, your family and your future, visit Smart Advice.

To learn how we’re supporting seniors and our communities, read CIBC’s 2023 Sustainability Report (PDF, 10 MB) Opens a new window..

Understanding powers of attorney and joint accounts

We all want to know our financial affairs are in good order, even when circumstances mean we can no longer manage them ourselves without assistance. Joint accounts and powers of attorney are ways you can allow other people to access your money.

Powers of attorney and joint accounts

Discover the tools people use to manage their banking. Learn about powers of attorney and joint accounts, including the risks and benefits of each option.

Play video: Make smart decisions — Considering powers of attorney and joint accounts (2:21) | Transcript

What is a power of attorney?

A power of attorney is a legal document in which you assign one or more individuals, known as an "attorney," the authority to act on your behalf regarding financial or legal matters for property.

Magnifying glass over a paper showing a graph and a folder underneath.

What is a joint account?

A joint account is a regular bank account in the name of two or more people with the same account privileges. Anyone, like a spouse, family member or friend, can be an account holder. With a join account:

Each person can deposit, withdraw or transfer funds, regardless of who put them into the account
Deposits payable to only one of the joint accountholders can still be deposited into the account

The risks of using a joint account

Some people see joint accounts as a simpler alternative to a power of attorney. But they are actually a transfer of ownership and can be risky. Since everyone has full and equal access to the funds regardless of where they originated, joint accounts can leave you vulnerable to financial abuse.

The government has created an online brochure on this topic: What every older Canadian should know about: powers of attorney and joint bank accounts Opens in a new window..

Learn more about powers of attorney and joint accounts

Helpful Government links

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Educational material

Fraud can happen to anyone, at any time. Find more resources here that you can use and share.

Fraud Prevention Tips (PDF, 45 KB) Opens in a new window.

Fraud Awareness for Seniors (PDF, 345 KB) Opens in a new window.

Need to talk?

Get in touch. We’re here to help.

Meet with us

Contact us

Call us:
1-800-465-2422

Chat with us

For questions about your account, sign on and start a secure chat. For general questions, chat with us online right now.

Ask a question

Seniors support centre

Programs and products for seniors

Priority telephone routing

Accessibility at CIBC

Protect yourself from fraud

Cookies are disabled

CIBC Smart™ for Seniors

Bank your way

Digital banking

Telephone Banking

ATM and branch network

Protect yourself

Common types of Senior-targeted scams

Grandchild emergency scam

Romance scam

Prize or inheritance scam

Service scam

Safe or scam? Test your fraud knowledge.

Scam red flags

Best practices for avoiding scams

What to do if you suspect fraud is happening to you

Advice and well-being

Enjoying retirement

Wills and estate planning

Cookies are disabled

Tax tips

Cookies are disabled

Smart Advice virtual events

Tools and calculators

Understanding powers of attorney and joint accounts

Powers of attorney and joint accounts

Cookies are disabled

What is a power of attorney?

What is a joint account?

The risks of using a joint account

Helpful Government links

Increasing page view font size

Windows, Linux, and Chrome operating system

Mac operating system

Educational material

Need to talk?