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Savings Accounts

Limited time offer Earn RDS%rate[3].CESA.Published(null,5000.0_and over_0.0_CAD_Balance,1,1)(#O2#)% + %rate[3].CESA.Published(null,0.0_null_0.0_CAD_Bonus,1,1)(#O2#)% interest on new deposits with the CIBC eAdvantage Savings Account.^† Learn about this offer.About the eAdvantage Savings Account limited time offer.

Grow your savings, earn interest and invest in tomorrow

Reach your goals

Add a savings goal in CIBC Online Banking® to help you save for vacations, renovations and more.

Save automatically

Set up automatic transfers to easily build your savings.

Save more

There's no monthly fee, so pay only when you make transactions.

Find the perfect fit

There’s an account for every need – high interest, U.S. savings, or just the basics.

Check out our special offers: Youth Seniors

Check out our special offers:

Youth

Seniors

Choose from 4 great accounts

CIBC Bonus Savings Account

Build your savings

Interest rate

RDS%rate[3].CBSA.Published(null,3000.0_and over_0.0_CAD_Balance,1,1)(#O2#)%
when your balance is $3,000 or more.

RDS%rate[3].CBSA.Published(null,0.0_up to_2999.99_CAD_Balance,1,1)(#O2#)%
on balances up to $2,999.99.¹

Monthly fee

Transactions²

$5.00 each

Includes 1 free transaction per month

Apply now

Learn more

CIBC eAdvantage®
Savings Account

Maximize your savings with high interest

Interest rate

RDS%rate[3].CESA.Published(null,5000.0_and over_0.0_CAD_Balance,1,1)(#O2#)%
when your balance is $5,000 or more.³

Plus, RDS%rate[3].CESA.Published(null,0.0_null_0.0_CAD_Bonus,1,1)(#O2#)%
bonus interest on new deposits.^†

Monthly fee

Transactions²

$5.00
each

Apply now

Learn more

CIBC Premium Growth Account™

Start saving

Interest rate

RDS%rate[3].CBPGA.Published(null,0.0_and over_0.0_CAD_Balance,1,1)(#O2#)%
On every dollar⁴

Monthly fee

Transactions²

$1.50
each

Apply now

Learn more

CIBC US$ Personal Account

Deposit, withdraw and save your U.S. dollars

Interest rate

RDS%rate[3].CUPA.Published(null,0.0_up to_2999.99_CAD_Balance,1,1)(#O2#)%
On any balance⁵

Monthly fee

Transactions²

$0.75
US each

Apply now

Learn more

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Save on bank account fees

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Help and advice

Lost, stolen or damaged cards

1-800-663-4575
(Canada and U.S.)

514-861-9898
(Elsewhere)

Report fraud

1-800-465-2422
(Canada and U.S.)

902-420-2422
(Elsewhere)

Learn how to make your banking safer

Resources

Additional service fees

Find my documents

Personal Account Service Fees (PDF, 535 KB)

CIBC Personal Deposit Account Terms and Conditions (PDF, 615 KB)

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How to

Manage your account

Check your account details, create a budget, transfer money and more using online or mobile banking.

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Advice

Save for the future

Take control of your finances. Explore our tips for setting up budgets, savings plans and investments.

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Advice

Explore GICs

Think you know GICs (Guaranteed Income Certificates)? We break down the biggest myths about this great saving option.

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^† The bonus and regular rates may change at any time without prior notice. The regular interest rate is earned on the full daily closing balance when the balance is $5,000 or more. For eSA accounts opened before the offer period, the bonus rate is earned on the portion of the account’s daily closing balance that exceeds the closing balance as at October 15, 2018 (the “New Balance”) up to a New Balance limit of $5,000,000. For eligible eSA accounts opened during the offer period, the bonus rate is earned on the full daily closing balance up to a balance limit of $5,000,000. Bonus interest rate offer expires March 31, 2019. Interest is calculated daily and paid monthly. Other conditions apply. For more information, review the terms and conditions (PDF, 30 KB) .

¹ Regular interest (“Regular Interest”) is calculated daily at the current rate on each day’s full closing balance and paid monthly. The regular interest rate is paid on the full daily closing balance when the balance is $3,000 or more. Interest is credited to your account as of the last business day in the interest period. However, the interest cannot be withdrawn, and will not be printed at branch terminals or at CIBC's Bank Machines or made available through CIBC Telephone or Online Banking, until two business days after the end of the interest period.

Interest rates quoted are annual. Interest rates and balance tiers are subject to change without prior notice.

If you have any questions about our interest rates, call 1-800-465-2422, or come into your local CIBC branch today to open an account.

² A transaction includes cheques, withdrawals, transfers, pre-authorized payments, bill payments (including CIBC Credit Cards and CIBC Personal Lines of Credit) and debit purchases. For CIBC eAdvantage Savings Accounts, a transaction does not include transfers to your other CIBC bank account(s) using the transfer function on CIBC Online Banking, CIBC Mobile Banking, CIBC Telephone Banking and at CIBC ATMs. For all accounts, transfers to CIBC-branded loans (excluding CIBC Personal Lines of Credit), mortgages and investments (registered and non-registered) are free. "CIBC-branded” means any brand that has CIBC in its name and is offered by CIBC or its Canadian affiliates (and does not include CIBC Bank USA). Other fees (in addition to any transaction fee) include: withdrawals from non-CIBC bank machines, Interac e-Transfer transactions (the Interac e-Transfer fee is waived for CIBC Smart Accounts, CIBC PremierService Accounts and for clients who are enrolled in CIBC Advantage for Youth, CIBC Smart for Students, CIBC Smart for Seniors (on the CIBC Smart Account) and CIBC Advantage for Students (on the CIBC Everyday Chequing Account) and transactions in foreign currency (including cheques written in currencies other than the account currency).

³ Interest is calculated daily at the current rate on each day's full closing balance when the final balance is $5,000 or more, and paid monthly.

⁴ Interest is calculated on each day's final balance and paid monthly.

⁵ Interest is calculated on each day's final balance and paid monthly. When each day's final balance falls in any of the first four tiers, your entire account balance earns the rate displayed for your balance's highest tier. The rate for the final tier only applies to the portion of the balance falling in that tier.

Trademarks

Savings Accounts

Grow your savings, earn interest and invest in tomorrow

Reach your goals

Save automatically

Save more

Find the perfect fit

Choose from 4 great accounts

CIBC Bonus Savings Account

Interest rate

Monthly fee

Transactions2

CIBC eAdvantage® Savings Account

Interest rate

Monthly fee

Transactions2

CIBC Premium Growth Account™

Interest rate

Monthly fee

Transactions2

CIBC US$ Personal Account

Interest rate

Monthly fee

Transactions2

Our clients come first

Switch to CIBC

Save on bank account fees

Help and advice

Lost, stolen or damaged cards

Report fraud

Resources

How to

Manage your account

Advice

Save for the future

Advice

Explore GICs

Need to talk?

Transactions²

CIBC eAdvantage®
Savings Account

Transactions²

Transactions²

Transactions²