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Innovative Products and Services
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Innovative Products and Services

Retail and Business Banking provides clients across Canada with financial advice, products and services through a strong team of advisors and more than 1,100 branches, as well as ABMs, mobile sales forces, telephone banking, online and mobile banking.

Wealth Management provides relationship-based advisory services and an extensive suite of leading investment solutions to meet the needs of institutional, retail and high net worth clients. Our asset management, retail brokerage and private wealth management businesses combine to create an integrated offer, delivered through nearly 1,500 advisors across Canada.

Wholesale Banking provides a wide range of credit, capital markets, investment banking and research products and services to government, institutional, corporate and retail clients in key financial markets in North America and around the world.

We continue to expand our banking network, as well as our financial service offerings and banking solutions, in order to make banking with CIBC more convenient for our clients.

Greater access and choice for clients
Affordable banking
Accessible banking
Supporting newcomers to Canada
Aboriginal banking
Protecting our clients and their assets

Greater access and choice for clients
Our clients have access to one of the largest branch networks in Canada with more than 1,100 branches, including 28 newly opened or expanded branches this year:

  • over 650 branches open on Saturdays;
  • more than 100 branches open on Sundays;
  • over 100 CIBC Wood Gundy locations;
  • close to 300 President’s Choice Financial pavilions;
  • more than 3,400 automated banking machines (ABMs) across the country;
  • 24/7 telephone banking services offered in English, French, Cantonese or Mandarin; and
  • approximately 50 languages offered across our branch network.

We also offer our clients convenient around-the-clock access to a full range of financial services through our mobile banking App and mobile brokerage App, CIBC’s leading online banking site and mobile brokerage site and our multi-language automated telephone banking capability.

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Affordable banking
We’re making banking more affordable by offering a wide range of products and advisory solutions that include lower cost alternatives, such as:

  • the CIBC Everyday Chequing Account, a low cost account for clients who make only a few transactions every month;
  • no annual fee credit cards;
  • competitive mortgage and lending rates; and
  • President’s Choice Financial (PCF) No Fee Bank Account and Low-Cost Borrowing Account.

To help our clients better understand and manage their finances, CIBC and PCF offer free seminars at many locations on such topics as what you need to know when looking to buy a home, choosing the right mortgage, saving for a down payment, tax planning and CIBC Money Smarts for Students Seminars to improve financial literacy.

Learn more about CIBC’s financial literacy efforts

We also offer free day-to-day banking or discounts and special offers for children, students and seniors through:

  • CIBC SmartStart for Kids program and the CIBC Advantage for Youth offer for youth who are 18 years and younger;
  • CIBC Advantage for Students offer for students enrolled in a full-time post-secondary program and the CIBC Professional Edge Student program for mature students working towards a professional designation;
  • CIBC 60 Plus Advantage offer for seniors 60 years of age and older; and
  • the new CIBC Total Banking Rebate, which offers clients a reduction in their monthly chequing account fees when they hold multiple banking products with CIBC.

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Accessible banking
Creating an environment that is accessible to all clients and employees is a priority for CIBC. We continue to make enhancements across our organization so that we can offer barrier-free facilities and services. With every new CIBC branch that opens, we ensure it is fully accessible, from parking to counters to ABM and vestibule access.

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Supporting newcomers to Canada
With more than 250,000 immigrants arriving in Canada every year, helping new Canadians establish themselves in this country and build a successful future in Canada is a key priority for CIBC – not just in the first few years but throughout their lives.

We are focused on building strong relationships with new Canadians and giving them tangible reasons to make CIBC their bank of choice. This includes providing advice on savings and investment products that are unique to Canada, providing service in multiple languages, and extending special offers to meet their immediate and future financial needs. From a money saving bank account and credit card to help them establish their credit history in Canada, to a Newcomer Mortgage and savings options designed to help them achieve their goals and succeed in Canada, we want them to know CIBC is there to help them every step of the way.  

In 2012, as part of our long-term commitment to celebrating Canada’s rich cultural diversity, we were proud to sponsor a number of events across the country, including CIBC LunarFest, Taste of Asia, the CIBC Midweek South Asian Awards, and a series of cultural festivals at Harbourfront Centre in Toronto that kicked off with a celebration of multiculturalism on Canada Day.

for what matters.

In 2012, as part of our long-term commitment to celebrating Canada’s rich cultural diversity, we were proud to sponsor a number of events across the country.


Additionally, as lead partner of the Toronto 2015 Pan Am and Parapan Am Games, CIBC helped bring Play Me I’m Yours, an art installation featuring 41 pianos representing the countries participating in the Games, to Toronto street corners to highlight the Games’ diversity and focus on Pan American culture. Through these sponsorships, our goal is to help build community identity, strengthen relationships with our diverse clients, and engage our neighbours across Canada and around the globe.

for what matters.

As lead partner of the Toronto 2015 Pan Am and Parapan Am Games, CIBC helped bring Play Me I’m Yours to Toronto street corners.

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Aboriginal banking
CIBC supports Canada’s Aboriginal people (First Nations, Inuit and Métis) through our vast branch network off-reserve, an agency and seven on-reserve branches which are located in urban, rural and remote communities across Canada. Our seasoned Aboriginal banking team works closely with our clients to achieve their objective of economic self-sustainability through long-term relationship building, partnering and transfer of knowledge to the Aboriginal leadership and its community members on and off reserve.

CIBC is a proud member of:

  • Indspire (formerly the National Aboriginal Achievement Foundation);
  • Aboriginal Financial Officers Association of Canada;
  • National Aboriginal Trust Officers Association;
  • Aboriginal Chamber of Commerce of Canada;
  • Aboriginal Chamber of Commerce of Alberta;
  • Treaty Legacy Foundation of Canada;
  • Industry Council for Aboriginal Business (BC);
  • BC Aboriginal Business Association;
  • Literacy Partners of Manitoba; and
  • Norman Regional Development (MB).

We have been involved in other business ventures like the CAPE Fund. We attended and had input at the Public Policy Forum “Aboriginal Participation in Major Resources Development Projects” and the Corporate Aboriginal Relations of the Conference Board of Canada.

We were instrumental in hosting and sponsoring various Aboriginal wealth management and economic development conferences, literacy symposiums, Aboriginal charities and adult financial literacy courses for members of Canada’s Aboriginal communities to help them plan for a healthy and successful financial future.

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Protecting our clients and their assets
Safeguarding our clients’ personal information and privacy is important to us:

  • enhanced protection is provided for our credit and debit cards with chip technology; and
  • CIBC CreditSmart offers increased protection for credit card holders through credit report and fraud alerts.

We want our clients to be extremely satisfied with their overall experience at CIBC. Our Service Commitment to You outlines our focus on exceeding client expectations and sets out the standards that our clients can expect from CIBC and that we demand of ourselves.

It states: “Our clients should expect nothing less than the best possible service every time they deal with one of our representatives in person, by letter, on the telephone or when they are banking electronically with us through our automated banking machines, online, or through mobile banking.”

A full copy of Our Service Commitment to You can be found here.

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