CIBC's ITD Banking Bundle

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Focus on your professional growth knowing CIBC's got your finances covered

As an Internationally Trained Dentist, transitioning into a new life in an unfamiliar country can be challenging. At CIBC, we strive to help professionals like you with meaningful financial advice. A dedicated CIBC Imperial Service advisor will support you every step of the way by understanding your complex and changing needs.

We are committed to making it easy to do business with us, and have exclusive offers for you and your family.

Exclusive interest rate on a Professional Edge line of credit1

  • Borrow at CIBC Prime2 minus 25% (currently 3.70%#)
  • For internationally trained dentist enrolled in the recertification program, a guarantor isn't required1

A premium chequing account - CIBC Smart™ Plus Account

  • An all-in-one banking solution with a monthly account fee rebate of $29.951
  • Unlimited ATM withdrawals in Canada. the U.S. and internationally3

A premium credit card^ - CIBC Aventura® Gold Visa* Card

  • Enjoy a $10.000 minimum limit when bundled with a Professional Edge Line of Credit
  • Annual fee of $120 waived when bundled with your CIBC SmartTM Plus Account
  • No proof of income required

To learn more, connect with a CIBC Imperial Service Financial Advisor by filling the form below.

Legal Disclaimers:

¹ Approval subject to applicants meeting CIBC’s normal lending criteria. Credit limit determined by CIBC, in its sole discretion. Part-time students are eligible for reduced credit limits determined by CIBC. Qualified guarantor may be required. Ongoing access to the Professional Edge Student Personal Line of Credit and monthly fee rebate on CIBC Smart™Plus Account is subject to annual proof of enrollment, among other things as determined by CIBC in its sole discretion.

† Continue to pay interest only on the Professional Edge Student Personal Line of Credit, up to 24 months after graduation from an accredited Canadian medical or dental school, or up to 12 months after graduation, residency or articling from other qualified CIBC Professional Edge studies. If you leave your program without graduating, your CIBC Professional Edge® Student Line of Credit will automatically convert to a CIBC Personal Loan with set principal and interest payments. Additional conditions and restrictions apply. Products and their features may change at any time.

² CIBC Prime means the variable interest rate determined by CIBC from time to time to be the CIBC Prime rate for Canadian Dollar lending products. CIBC Prime rate may change without notice. Your interest rate will vary whenever CIBC prime rate varies and/or whenever we change your variable interest rate in our sole discretion. For current CIBC prime rate visit www.cibc.com.

# CIBC Prime Rate is 3.95% on July 31, 2019. Refer to the current CIBC Prime Rate.

³ 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 (rebated for CIBC Smart Plus Accounts except the 2.5% administration fee on the converted amount of foreign currency ATM withdrawals), Interac e-Transfer transactions (the Interac e-Transfer fee is waived for CIBC Smart Accounts, CIBC Smart Plus 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 Smart Plus 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).

Fees charged by other financial institutions or third parties for using their ATMs, and the 2.5% administration fee on the converted amount for foreign currency ATM withdrawals are not included in this feature and will be charged to your account. ATM withdrawal amounts may be limited to a maximum dollar withdrawal amount.

^ Eligibility is limited to students in the following programs: medical, dental, law, optometry, pharmacy, veterinary studies. Go to cibc.com for additional information regarding eligible cards.

† This offer applies to the following eligible cards: CIBC Aventura Gold Visa Card and CIBC Aventura Visa Infinite . You must apply and be approved for a new eligible card between July 1, 2019 and October 31, 2019 to qualify for this offer.

If you apply and are approved for a new card, you can receive:

     i. A welcome bonus of 15,000 Aventura Points when you make your first purchase at any time with your

     ii. An additional bonus of 5,000 Aventura Points if you have at least $1,000 in net purchases posted to your account during the first 4 monthly statement periods. For this bonus the following do not qualify as purchases: cash advances, balance transfers, CIBC Convenience Cheques, fees, interest, Aventura Points redemptions and payments. It may take up to several business days for purchases to be posted to your account. Aventura Points are awarded to you within 8 weeks after all qualifying purchase(s) are posted to your account. Card account must be open and in good standing at the time the bonus Aventura Points are

     iii. A $120 travel credit. The $120 travel credit can be used in a single transaction towards flight, hotel, car rental and vacation package bookings made using your CIBC Aventura Visa Infinite or CIBC Aventura Gold Visa Card and towards taxes and fees. The $120 travel credit can also be used towards a travel booking charged to your CIBC Aventura Visa Infinite or CIBC Aventura Gold Visa Card and in conjunction with any rewards purchase or redemption of Aventura Points. If the value of your booking is less than $120, you forfeit the balance of your travel credit. Only the primary cardholder or a delegate can use the travel credit. To apply the travel credit, you must call an Aventura Travel Assistant at 1-888-232-5656; the travel credit cannot be applied or used for online bookings. The $120 travel credit offer cannot be combined with any other CIBC credit card products offering a travel credit. Your account must be in good standing at the time of booking to take advantage of the travel credit. Unused credits will expire on June 30, 2020.

At CIBC Imperial Service, investment advice and services are provided by CIBC Imperial Investor Service (“IIS”) division of CIBC Investor Service Inc. (“ISI”) or by CIBC Securities Inc. (“SI”), and in Quebec by SI. ISI is a subsidiary of CIBC, Member of the Investment Industry Regulatory Organization of Canada. SI is a subsidiary of CIBC and member of the Mutual Fund Dealers Association of Canada. Canadian Imperial Bank of Commerce provides student credit products.

All information is valid at the time of printing and is subject to change without notice.

*Trademark of Visa Int., used under license.
Interac e-Transfer is a registered trade-mark of Interac Corp. Used under licence.

“CIBC Imperial Service Design” is a trademark of CIBC, used under license. The CIBC Cube Design is a trademark of CIBC. All other trademarks are owned by CIBC or the irrespective owners.