CIBC Advanced Operating Account for Growing Enterprises
The account tier for businesses that have outgrown basic banking. 150 included transactions, a dedicated advisor who knows your industry, priority service, and comprehensive CIBC Smart Banking features.
Advanced Account Features and Premium Benefits
The Advanced Operating Account is where CIBC business banking becomes truly relationship-driven. Beyond the generous transaction allowances, you gain access to a dedicated business banking advisor — a named individual who understands your company, your industry, and your financial objectives.
This advisor is not a call centre agent reading from a script. They are a trained commercial banking professional who conducts quarterly reviews of your account activity, proactively suggests optimization opportunities, and serves as your direct line into CIBC's lending, investment, and treasury services.
- 150 included debit transactions per month ($0.35 per additional)
- 50 free Interac e-Transfers per month
- Named dedicated business banking advisor
- Free personalized business cheques (first 100 per year)
- Overdraft protection eligibility up to $50,000
- Priority service queuing at all CIBC branches
- Enhanced CIBC Smart Banking reporting and analytics
- Monthly fee waived with $40,000 minimum balance
Your Dedicated CIBC Business Banking Advisor
The Advisory relationship is the defining feature of the Advanced account. Your assigned advisor typically manages 80 to 120 business relationships, giving them sufficient bandwidth to provide meaningful attention to each client without the thousands-to-one ratios common at other institutions.
What Your Advisor Does
Quarterly financial health reviews, lending pre-qualification assessments, cash flow pattern analysis, and proactive product recommendations based on your account activity. When you call, they answer — or return your call the same business day.
Industry Specialization
CIBC groups its advisory teams by sector. Whether your business operates in construction, healthcare, technology, retail, or professional services, your advisor carries expertise in your industry's specific financial rhythms and challenges.
Enhanced CIBC Smart Banking for Advanced Accounts
Advanced account holders unlock additional CIBC Smart Banking capabilities that standard tiers do not include.
Cash Flow Forecasting
AI-powered projections based on your historical transaction patterns. Anticipate shortfalls up to 90 days in advance and plan your borrowing or investment moves accordingly.
Custom Reporting
Build and schedule custom financial reports that match your management reporting needs. Export to Excel, PDF, or directly into your accounting software via API integration.
Multi-User Permissions
Configure role-based access for your team. Give your bookkeeper view-only access, your operations manager payment initiation rights, and reserve approval authority for yourself.
Frequently Asked Questions
The CIBC Advanced Operating Account includes 150 monthly transactions (compared to 60 with Everyday), 50 free e-transfers (vs. 15), free first order of cheques, and a dedicated business banking advisor. At $65/month, it is designed for established enterprises with moderate to high transaction volumes that benefit from personalized financial advice and enhanced banking services.
Yes, Advanced Operating Account holders receive a dedicated CIBC business banking advisor who understands your industry and financial goals. Your advisor provides proactive financial advice, helps structure financing solutions, reviews your account configuration for optimization opportunities, and serves as your primary contact for all commercial banking needs.
Yes, the $65 monthly fee on the Advanced Operating Account can be waived by maintaining a minimum daily closing balance in your account. Contact your CIBC business banking advisor for current balance waiver thresholds. Many businesses find that maintaining the required balance is more cost-effective than paying the monthly fee, especially when combined with the interest earned on higher balances.