Convenient Ways to Bank with CIBC for Your Business
CIBC offers multiple banking channels so you can manage your business finances wherever and whenever it suits your workflow.
CIBC Smart Banking: Online and Mobile
The CIBC Smart Banking platform delivers your entire business banking experience through a secure digital interface. Access your accounts, initiate payments, manage payroll, and review real-time cash flow analytics from any device with an internet connection.
The mobile app mirrors the full desktop experience with biometric login, mobile cheque deposit, and push notifications for large transactions. Over 78% of CIBC business clients now manage their primary banking activities through the CIBC Smart Banking digital platform.
- Real-time account balances and transaction history
- Interac e-Transfer for business with same-day delivery
- Mobile cheque deposit with image capture
- Multi-user access with customizable permission levels
- Integration with QuickBooks, Xero, Sage, and FreshBooks
- Automated recurring payment scheduling
In-Branch Banking Services
Sometimes business banking requires face-to-face interaction. CIBC's network of over 1,100 branches and banking centres across Canada provides full-service business banking with extended hours at select locations.
Our in-branch services include account opening and management, cash and cheque deposits, foreign currency exchange, safety deposit boxes, and access to CIBC business banking advisors who can help structure complex transactions or review your lending needs in person.
Many branches now offer dedicated business banking hours and priority queuing for commercial clients. Call ahead to your local branch or book an appointment through the CIBC Smart Banking app to minimize your wait time.
Telephone Banking for Business
CIBC Telephone Banking provides 24/7 automated access to your business accounts. Check balances, review recent transactions, transfer funds between accounts, and make bill payments using our secure interactive voice response system.
For complex inquiries, our business banking telephone agents are available during extended hours. The dedicated business line bypasses the personal banking queue, connecting you directly with specialists who understand commercial account structures and business-specific products.
- 24/7 automated balance and transaction inquiries
- Bill payments and inter-account transfers
- Dedicated business banking priority line
- Multi-language support in English and French
ATM Network and Cash Management
Access your business funds through Canada's most extensive ATM network with no surcharge at CIBC machines nationwide.
3,400+ CIBC ATMs
Deposit cash and cheques, withdraw funds, check balances, and transfer between accounts at any CIBC ATM across Canada with no transaction fees for CIBC business account holders.
Global ATM Access
Use your CIBC business debit card at over 2 million ATMs worldwide through the Interac, Plus, and Cirrus networks. Foreign currency withdrawals are processed at competitive exchange rates.
Night Deposit Services
Businesses that handle large volumes of cash can use CIBC night deposit services at participating branches. Secure drop-off with next-business-day crediting to your operating account.
Banking Security You Can Trust
Every CIBC banking channel is protected by industry-leading security measures.
Frequently Asked Questions
CIBC offers multiple remote banking channels: CIBC Smart Banking online platform accessible from any browser, the CIBC mobile banking app for iOS and Android, telephone banking at 1-800-465-2422, and ATM access at over 3,800 CIBC ABMs across Canada. All channels provide secure access to account balances, transaction history, and payment capabilities.
Yes, the CIBC Smart Banking mobile app supports mobile cheque deposits for business accounts. Simply photograph both sides of the cheque using your smartphone camera, and funds are typically available within one to two business days. This feature eliminates the need to visit a branch for routine deposit transactions.
Yes, CIBC Smart Banking supports multiple automated payment options including scheduled bill payments, pre-authorized debits for receivables collection, automated payroll direct deposits, and recurring e-transfers. Automated payment workflows reduce administrative overhead and ensure that critical payments like payroll and vendor obligations are never missed.