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CDIC Deposit Insurance Information
The following instruments or products are deposits eligible for deposit insurance from the Canada Deposit Insurance Corporation, subject always to maximum coverage limitations as outlined by the CDIC in Protecting Your DepositsProtecting Your Deposit. Opens a new window in your browser and provided such deposits are in Canadian funds, are payable in Canada, and have a term of no more than 5 years.
Savings, Chequing and Combined Savings-Chequing Accounts
Currently available:
- CIBC Everyday® Chequing Account
- CIBC Smart™ Account (formerly CIBC Unlimited® Chequing Account)
- CIBC Premium Growth Account
- CIBC PremierService® Account
- CIBC Bonus Savings Account
- CIBC eAdvantage® Savings Account
No longer available:
- CIBC Personal Chequing Account
- CIBC Regular Savings Account
- CIBC Daily Interest Savings Account
- CIBC Chequing Savings Account
- CIBC Waive Account®
- CIBC EverydayPlus® Chequing Account
Non-personal or Commercial Accounts
Currently available:
- CIBC Business Operating Account™
- CIBC Not-for-Profit Operating Account
- CIBC AgriInvest Account
- CIBC Business Investment Growth Account™
No longer available:
- CIBC Business Interest Account®
Guaranteed Investment Certificates (GICs)
Currently available:
- CIBC Short-Term GIC
- CIBC Redeemable GIC (formerly CIBC Redeemable Long-Term GIC)1
- CIBC Redeemable Short-Term GIC2
- CIBC Flexible GIC®3
- CIBC Save-Up GIC™
- CIBC T-Bill Rate GIC
- CIBC Treasury Certificate GIC
- CIBC Cashable Escalating Rate GIC®
- CIBC EasyBuilder GIC®
- CIBC Variable Rate GIC
- CIBC Guaranteed Market Return GIC, Short-Term Investment (MLGIC)4 held for CIBC Guaranteed Market Return GIC and the Cash Account (MLGIC)
- CIBC Monthly Income Fund-linked GIC, Short-Term Investment (MLGIC) held for a CIBC Monthly Income Fund-linked GIC and the Cash Account (MLGIC)
- CIBC Market Return GIC, Short-Term Investment (MLGIC) held for a CIBC Market Return GIC and the Cash Account (MLGIC)
- CIBC Floating Market Rate GIC, Short-Term Investment (MLGIC) held for a CIBC Floating Market Rate GIC and the Cash Account (MLGIC)
- CIBC Market Mix GIC, Short-Term Investment (MLGIC) held for a CIBC Market Mix GIC and the Cash Account (MLGIC)
Periodically or seasonally offered
- CIBC Bonus Rate GIC
- CIBC Special Offer GIC
No longer available:
- CIBC Premium Rate GIC®
Tax Free Savings Account (TFSA)
Currently available:
- CIBC TFSA Tax Advantage Savings Account™
TFSA GICs
Currently available:
- CIBC TFSA Guaranteed Investment Certificate (Redeemable)
- CIBC TFSA Guaranteed Investment Certificate (Non-Redeemable)
- CIBC Cashable Escalating Rate TFSA GIC™
- CIBC Escalating Rate TFSA GIC™
- CIBC Flexible TFSA GIC™
- CIBC Guaranteed Market Return GIC, Short-Term Investment (MLGIC)4 held for CIBC Guaranteed Market Return GIC and the Cash Account (MLGIC)
- CIBC Monthly Income Fund-linked GIC, Short-Term Investment (MLGIC) held for a CIBC Monthly Income Fund-linked GIC and the Cash Account (MLGIC)
- CIBC Market Return GIC, Short-Term Investment (MLGIC) held for a CIBC Market Return GIC and the Cash Account (MLGIC)
- CIBC Floating Market Rate GIC, Short-Term Investment (MLGIC) held for a CIBC Floating Market Rate GIC and the Cash Account (MLGIC)
- CIBC Market Mix GIC, Short-Term Investment (MLGIC) held for a CIBC Market Mix GIC and the Cash Account (MLGIC)
Periodically or seasonally offered
- CIBC Bonus Rate TFSA GIC
Registered Retirement Savings Plan (RRSP)
Currently available:
- CIBC RRSP Daily Interest Savings Account
RRSP GICs
Currently available:
- CIBC RRSP Guaranteed Investment Certificate (Redeemable)
- CIBC RRSP Guaranteed Investment Certificate (Non-Redeemable)
- CIBC Stock Market Advantage® RRSP GIC
- CIBC Cashable Escalating Rate RRSP GIC™
- CIBC Escalating Rate RRSP GIC™
- CIBC Flexible RRSP GIC™
- CIBC Guaranteed Market Return GIC, Short-Term Investment (MLGIC)4 held for CIBC Guaranteed Market Return GIC and the Cash Account (MLGIC)
- CIBC Monthly Income Fund-linked GIC, Short-Term Investment (MLGIC) held for a CIBC Monthly Income Fund-linked GIC and the Cash Account (MLGIC)
- CIBC Market Return GIC, Short-Term Investment (MLGIC) held for a CIBC Market Return GIC and the Cash Account (MLGIC)
- CIBC Floating Market Rate GIC, Short-Term Investment (MLGIC) held for a CIBC Floating Market Rate GIC and the Cash Account (MLGIC)
- CIBC Market Mix GIC, Short-Term Investment (MLGIC) held for a CIBC Market Mix GIC and the Cash Account (MLGIC)
Periodically or seasonally offered
- CIBC Bonus Rate RRSP GIC
Registered Retirement Income Fund (RRIF)
Currently available:
- CIBC RRIF Daily Interest Savings Account
RRIF GICs
Currently available:
- CIBC RRIF Guaranteed Investment Certificate
- CIBC Stock Market Advantage® RRIF GIC
- CIBC Escalating Rate RRIF GIC™
Periodically or seasonally offered
- CIBC Bonus Rate RRIF GIC
Life Income Fund (LIF)
Currently available:
- CIBC LIF Daily Interest Savings Account
LIF GICs
Currently available:
- CIBC LIF Guaranteed Investment Certificate
- CIBC Escalating Rate LIF GIC™
Periodically or seasonally offered
- CIBC Bonus Rate LIF GIC
OTHER (Not available through CIBC Banking Centres)
Currently available:
- CIBC Full Service Short-Term GIC
- CIBC Full Service Long-Term GIC
- Mortgage Tax Account
- CIBC VISA* Card Security Deposit
- CIBC Full Service Cashable Escalating Rate GIC™
- CIBC Full Service Flexible GIC
- CIBC Escalating Rate GIC®
- CIBC Wood Gundy Asset Advantage Account® (CIBC Canadian dollar chequing account only)
- Renaissance High Interest Savings Account (Canadian dollar savings account only)
- CIBC Guaranteed Market Return GIC and the Subscription Deposit held for a CIBC Guaranteed Market Return GIC (Canadian dollar only)
- CIBC Monthly Income Fund-linked GIC and the Subscription Deposit held for a CIBC Monthly Income Fund-linked GIC
- CIBC Dividend Growth Fund-linked GIC and the Subscription Deposit held for a CIBC Dividend Growth Fund-linked GIC
- CIBC Global Market Mix GIC and the Subscription Deposit held for a CIBC Global Market Mix GIC
- CIBC Market Return GICs and the Subscription Deposits held for a CIBC Market Return GIC (Canadian dollar only)
- CIBC Equity Growth GICs and the Subscription Deposits held for a CIBC Equity Growth GIC
- CIBC Equity Income GICs and the Subscription Deposits held for a CIBC Equity Income GIC
- CIBC Index Growth GICs and the Subscription Deposits held for a CIBC Index Growth GIC
- CIBC Index Growth (Guaranteed Return) GICs and the Subscription Deposits held for a CIBC Index Growth (Guaranteed Return) GIC (Canadian dollar only)
- CIBC Floating Market Rate GICs and the Subscription Deposits held for a CIBC Floating Market Rate GIC (Canadian dollar only)
- CIBC Market Mix GICs and the Subscription Deposits held for a CIBC Market Mix GIC
- CIBC Non-Redeemable Long-Term GIC
Simplii Financial™5
- Simplii Financial No Fee Chequing Account
- Simplii Financial High Interest Savings Account
- Simplii Financial GIC
- Simplii Financial Tax-Free Savings Account
- Simplii Financial RRSP Savings Account
- Simplii Financial RRSP GIC
No longer available
- Simplii Financial Savings Account
- Simplii Financial Daily Interest RRSP Account
The following accounts may be CDIC insured but not used by depositors in the normal course of business with CIBC:
Outstanding payment items including suspense accounts, items in transit, certified cheques, drafts, Global Money Orders and unclaimed cheques.
Trade Names
- Renaissance
- Wood Gundy
- Simplii Financial
Revised September 28, 2018
CIBC MORTGAGES INC.
Guaranteed Investment Certificates (GICs)
Currently available:
- CIBC Mortgages Inc. Long-Term GIC
- CIBC Mortgages Inc. Flexible GIC
RRSP Savings Account
No longer available:
- CIBC Mortgages Inc. RRSP Savings Account
Other
Not available through CIBC Banking Centres:
- CIBC High Interest Savings Account (CMI)
Not directly available to depositors:
- Mortgage Tax Account
Outstanding payment items including suspense accounts, items in transit and unclaimed cheques.
Trade Name
- CIBC
Revised September 28, 2018
CIBC TRUST CORPORATION
Guaranteed Investment Certificates (GICs)
Currently available:
- CIBC Trust Long-Term GIC
- CIBC Guaranteed Investment Certificate6,7
- CIBC Stock Market Advantage® GIC
- CIBC Escalating Rate GIC® (Non-redeemable)
- CIBC Trust Full Service Escalating Rate GIC™
RRSP Daily Interest Savings Account (DISA)
No longer available:
- CIBC Trust RRSP Savings
Other
Not available through CIBC Banking Centres:
- CIBC High Interest Savings Account (CTC)
Instruments and Products Formerly Issued by CIBC Mortgage Corporation
No longer available:
Savings Account
- CIBC Investor’s Rate Account®
The following accounts may be CDIC insured but not used by depositors in the normal course of business with CIBC Trust Corporation:
Outstanding payment items including suspense accounts, items in transit, trustee demand accounts, and unclaimed cheques.
Trade Name
- CIBC
Revised September 28, 2018
For further information, contact CDIC at 1-800-461-2342.