US cross-border banking

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Locations

Locations. Opens in a new window.（https://locations.cibc.com/?utrc=A363:1）

Sign on to CIBC Online Banking.（https://www.cibconline.cibc.com/ebm-resources/public/auth-gateway/main/client/index.html?locale=en&auth_context=login）

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Locations. Opens in a new window.（https://locations.cibc.com/）

Sign on to CIBC Online Banking.（https://www.cibconline.cibc.com/ebm-resources/public/auth-gateway/main/client/index.html?locale=en&auth_context=login）

Personal（https://www.cibc.com/en/personal-banking.html）

Ways to Bank（https://www.cibc.com/en/personal-banking/ways-to-bank.html）

US Cross-Border Banking

US cross-border banking

If you frequently cross the border into the US for business or pleasure, you can conveniently bank with our solutions just like you do in Canada.

CIBC provides US cross-border banking solutions that fit your needs

Whatever your needs are, we’ve got options that will make your banking easier on either side of the border.

US cross-border banking solutions are simple with CIBC

We make trip planning simpler with services including foreign cash ordering, travel insurance and advisor support.

US bank accounts

Credit card

Mortgage

Insurance

US savings and chequing accounts

Whether you visit, work, live or shop south of the border, our US savings and chequing accounts will make your everyday US banking easier.

Savings account

CIBC US$ Personal Account

Ideal for people who want to save and earn interest on US funds

Earn interest on every dollar saved 3

Have your interest calculated daily and get paid monthly.

Forget about currency exchange fluctuations

Deposit and withdraw US dollars from any CIBC banking centre or US currency ATM in Canada without currency conversion.

Use online banking like you're home

Transfer funds in real time to other CIBC accounts through online or mobile banking.

Use this account with your Canadian CIBC debit card.

Learn more about CIBC US$ Personal Account. Opens a new window.（https://www.cibc.com/en/personal-banking/bank-accounts/savings-accounts/us-personal-account.html）

US CHEQUING ACCOUNT

CIBC Bank USA Smart Account™

Ideal for frequent travellers who live, travel, shop and work in the US 1

Bank when you like

Enjoy no monthly fee for unlimited transactions 2 , plus transfer funds in real time between your Canadian and US CIBC accounts.

Enjoy convenient access to your US dollars

Shop at US retailers and withdraw US cash at CIBC Bank USA ATMs and other ATMs in participating networks without surcharge fees.

Move your money easily

Send money to friends and family in the US for free with Zelle ® . Pay US bills in US dollars online any time.

Spend and withdraw money with your CIBC Bank USA debit card.

Learn more about CIBC Bank USA Smart Account. Opens in a dialog.（https://www.cibc.com/en/modals/personal-banking/ways-to-bank/smart-account-modal.html）

Are you a Canadian attending school in the U.S.?

With student-friendly accounts and credit cards, we’ve got you covered. Check out our U.S. students banking page to learn more about how we can help you with your student journey.

Learn more about U.S banking benefits for students.（https://www.cibc.com/en/student/student-banking-in-usa.html）

CREDIT CARD

CIBC U.S. Dollar Aventura® Gold Visa* Card

Ideal for those who shop in U.S. dollars. Skip the currency conversion fees and earn rewards on everyday U.S. purchases. 4, 5, 6

Special offer

Enjoy an annual fee rebate if you have a CIBC US$ Personal Account or CIBC Bank USA Smart Account, and a premium CIBC personal credit card. ◊

Interest rate : RDS%rate[2].VSUSD.Published(null,null,6,null)(#O2#)% on purchases 7 and RDS%rate[2].VSUSD.Published(null,null,3,null)(#O2#)% (or RDSRDS%rate[2].VSUSD.Published(null,null,90,null)(#O2#)% for Quebec residents) on cash 7 | Annual fee: $35 US

Get 1 Aventura® Point for every $2 you spend

Plus, earn up to 2,500 Aventura Points. 5, 8

Move points to and from other Aventura accounts

Transfer your points between your CIBC U.S. Dollar Aventura Gold Visa* Card and other Aventura personal and business products. 9

Have protection

Save on car rentals with Car Rental Collision and Loss Damage Insurance. 10

Learn more about the CIBC U.S. Dollar Aventura Gold Visa Card.（https://www.cibc.com/en/personal-banking/credit-cards/all-credit-cards/us-dollar-aventura-gold-visa-card.html）

MORTGAGE

Foreign National Residential Mortgage

CIBC Bank USA offers expert advice and hands-on support to Canadians who want to finance a home in the U.S. 11

Take advantage of flexible options

Choose a mortgage that works for your budget and long-term goals.

Don’t worry about prepayment penalties

Prepay all or part of your mortgage at any time without penalty.

Work with a team that knows Canadians

Use your Canadian credit history and your existing relationship with us to your advantage.

For more information, contact your relationship manager.

Meet with us Opens a new window.（https://www.cibconline.cibc.com/ebm-resources/public/auth-app-meetings/client/index.html#/client-guest?spId=SF&subSiteId=book&brand=cibc&channel=web&entryPoint=cibcdotcom&locale=en）

INSURANCE

CIBC Travel Insurance

Protect yourself from the unexpected when you cross the border.

Depending on the coverage you choose, CIBC Travel Insurance 12 may help cover your costs if

you have an unexpected medical emergency;

you must cancel your trip or return home unplanned; or

your baggage is lost or stolen while you’re travelling. 13

Learn more about CIBC Travel Insurance.（https://www.cibc.com/en/personal-banking/insurance/travel.html）

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