Transcript: How to bank with CIBC

What if sending money were as easy as sending an email?

[Three scenarios with Percy Penguin in the background show how CIBC clients can bank on-the-go. A woman banks on her smartphone while sitting on a picnic blanket in a park. A man banks from a desktop computer. A woman has coffee while banking on a tablet.]

Imagine using your phone to pay for coffee, depositing your paycheque by snapping a photo or checking your bank balance with a glance at your watch.

[A woman uses her smartphone to take a picture of a cheque. A man uses his tablet while waiting to pay for his coffee. A man sits on his couch in his living room and checks his Apple Watch^™.]

CIBC brings your bank and your money to you, wherever you are. This is banking that fits your life.

[“CIBC: Banking that fits your life” logo.]

Register for CIBC Mobile Banking^® and CIBC Online Banking^®: register once to bank on all your devices.

Registering for digital banking is easy. Just download the CIBC Mobile Banking App^® or head to cibc.com to start.

[CIBC digital banking is displayed on a tablet, smartphone, laptop and desktop computer. “Available on the App Store” logo. “Android App on Google Play” logo.]

Enter your debit or credit card details and select Register.

[On a screen, a user enters a card number and password. The user selects the Remember Card checkbox, then the Sign On button.]

For your security, tell us where to send your verification code.

[A Confirm Your Identity screen shows three contact methods: email, call or text. The user enters a phone number in the Call field and selects the Send button.]

When you receive it, enter the code.

[On the Verification code screen, the user enters the code and selects the Submit button.]

Then, create a password.

[From the Create your password screen, the user enters a password, then selects the Submit button.]

And thanks to one-time registration, you’re ready to bank from your mobile or desktop device.

[A sign-on screen displays completed card number and password fields.]

If you ever need it, select “Forgot your password?” and follow the steps for a reset.

[The Forgot Password screen prompts the user to enter the card number and expiry date.]

If your device supports fingerprint sign-on, you can use that to sign on.

[The user presses the fingerprint identity sensor on a smartphone to sign on.]

And the mobile banking app even works on your Apple Watch.

[An Apple Watch shows three menu options: Accounts, Transfer and Find Us.]

Check your balance, make transfers: stay up-to-date on your finances.

From CIBC Mobile Banking^® or CIBC Online Banking^®, select “My Accounts” and you can check balances, find recent transactions and read eStatements.

[CIBC digital banking is displayed on a tablet, desktop computer and smartphone. Selecting My Accounts displays account balances and transaction details including dates, types and amounts.]

Selecting “Transfers” from the main menu lets you transfer money between your accounts.

[Transfers is selected from the menu. A user selects the account, amount and date of the transfer.]

Pay a bill: pay bills easily, online or on your mobile device in seconds.

Want to pay a bill? To pay a bill using digital banking, select “Bill Payments” from your mobile device or desktop.

[CIBC digital banking is displayed on a tablet, desktop computer and smartphone. A user selects Bill Payments from the menu, which reveals options to pay a single bill or multiple bills.]

To add a bill, search for your recipient or payee and select it. You can even give it a nickname. Then, enter your bill’s account number.

[On the Add Payee screen, the user searches for the name of the bill and selects it from the list of results. Then, the user enters the bill’s account number.]

For your security, tell us where we can send you a verification code.

[A Confirm Your Identity screen shows three contact methods: email, call or text. The user enters a phone number in the Call field and selects the Send button.]

When you receive it, enter the code.

[On the Verification Code screen, the user enters the code and select the Submit button.]

To make a one-time payment, select the payee, enter your amount, and select the account you want to pay from. Then, confirm the details. Your payment will be processed in 1 to 2 business days.

[After selecting Bill Payments from the menu, the user inputs the payee, amount and account.]

You can also set up automatic recurring bill payments.

[A dropdown menu displays options to pay a bill once, weekly, monthly or annually.]

Now you can confidently stay on top of your bills — anytime, anywhere.

Send money with Interac e-Transfer^®: send money quickly and safely.

To transfer money, start from CIBC Mobile Banking^® or CIBC Online Banking^® and select Interac e-Transfer^®.

[CIBC digital banking is displayed on a tablet, desktop computer and smartphone. Interac e-Transfer^® is selected. A list of accounts and balances is shown. A user selects the account, recipient and then chooses a security question and answer.]

Add a recipient, save that recipient’s details and enter the amount you want to send. Create a security question for your recipient to answer.

For your security, tell us where we can send you a verification code. When you receive it, enter the code.

[A Confirm Your Identity screen shows three contact methods: email, call or text. The user enters a phone number in the Call field and selects the Send button. On the Verification Code screen, the user enters the code and selects the Submit button.]

Within 30 minutes, your recipient will get an email notifying them of the transfer.

[Interac e-Transfer notification email arrives. The user can open the transfer using either CIBC Online Banking or in the Mobile Banking App. To complete the transfer, the user is asked to answer a security question.]

With a few clicks and the correct answer to your question, the transfer is complete. We’ll notify you when your recipient accepts the transfer.

[A CIBC transfer notification email reads “Your funds transfer was successful.”]

If your transfer isn’t accepted after 30 days, you can reclaim it.

[The Reclaim Transfer screen shows the sender the amount, account and recipient. After viewing the details, the sender selects “Next” to reclaim the transfer.]

And if you want to cancel the transfer before it’s accepted, it’s easy to cancel that, too.

[Select the transfer from the Transfer Details screen to cancel.]

Set alerts: stay updated about activity on your accounts.

CIBC’s alerts help keep you on top of your finances by sending you free automatic messages to your phone, email or Message Centre.

[A “Held funds now available” message pops up on a smartphone screen.]

Using CIBC Online Banking^®, select “Manage My Alerts”. Then, choose the alerts you want to use.

[Selecting Manage My Alerts from the menu displays optional and fraud protection alerts. A user selects the checkbox beside an alert that reads “A bank machine withdrawal is more than this amount.”  The user enters $1,500.]

We’ll remind you when payments are due and even when there’s suspicious activity on your account, so you can avoid late fees and stay on top of your account activity.

Manage your account: order cheques, stop payments, update contact info and more.

Look at all you can do in the “Customer Services” section in your CIBC Online Banking^®, on your desktop or mobile web.

[Selecting Customer Services from the menu displays 6 options to update personal information and settings: 1. Change contact information. 2. Stop payments. 3. Change a password. 4. Change or edit account nickname. 5. Unlink accounts from a CIBC debit card. 6. Remove association to online investment accounts.]

Update your personal details,

[Selecting Change Your Contact Information from the menu opens a new window where a user can update their email address and phone number.]

or change your statement preferences.

[Selecting Edit Statement Preferences from the menu opens a new window where a user can choose to receive eStatements or mailed monthly statements.]

Order cheques,

[Selecting Order Cheques from the menu opens a new window where the user can confirm personal information.]

contribute to or withdraw from your TFSA,

[Selecting CIBC Tax-Free Savings Accounts from the menu opens a new window, displaying a list of TFSAs.]

order foreign cash,

[Selecting Order Foreign Cash from the menu opens a new window, displaying foreign currency options, the amount to exchange, and the exchange rate.]

send global money transfers,

[Selecting “Global Money Transfer” from the menu opens a new window, displaying foreign exchange rates and fees.]

and stop payment on a cheque or preauthorized debit.

[From the Customer Services menu, selecting Stop Payment will prompt the user to enter information about the cheque or pre-authorized debit they want to stop.]

Just enter the cheque number, payee, amount and account and select “Stop Payment”, all from your computer or mobile device.

CIBC eDeposit^®: depositing a cheque is as easy as taking a picture.

First, endorse the cheque. Then, select eDeposit and use your smartphone or tablet to take photos of the front and back of the cheque.

[A user signs the back of a cheque then positions their mobile device camera over the cheque. The user takes a picture of the front of the cheque, then flips it over to take a picture of the back of the signed cheque.]

Enter the amount of the cheque and select the account into which you want to deposit the money. Select “Deposit” and you’re done. Once it’s deposited, keep your cheque for at least 5 business days before destroying it.

[The cheque image displays on the screen. The user enters the amount and account to deposit the money.]

Book a meeting: for when you want to meet face to face.

To schedule an appointment, select “Meet with us” from the home page.

[On the Meet with us form, a user selects Personal Banking or Business Banking.]

Tell us what you want to meet about,

[The user selects the type of banking and topic they need help with. Options include Bank Accounts, Credit Cards, Borrowing, Investing or Advice.]

choose a convenient branch,

[The result displays the Banking Centre’s address, phone number and business hours. The user can also search for  a different Banking Centre.]

and select a date and time.

[A calendar displays available appointment dates. The user selects a date and time. A screen displays a summary of the meeting information including the user’s name and contact information, meeting date and time, branch location, reason for the meeting and preferred discussion language. A button at the bottom of the screen reads “Confirm and book meeting”.]

We’ll send you a confirmation email with the name of the person you’re meeting with, and a reminder the day before.

[A CIBC Meeting Confirmation email appears in an inbox. It opens to display meeting information and a reference number. It also contains a link to add the meeting to the user’s personal calendar. A button at the bottom of the screen reads “Cancel this meeting”.]

Select the link to add the meeting to your personal calendar. If you need to cancel, go to the appointment-booking tool and use the reference number in your confirmation email to cancel.

[Six scenarios with Percy Penguin in the background show how CIBC clients can bank on-the-go. A woman banks on her laptop. Another checks her smartphone in line at the store. A man checks his Apple Watch while waiting for the bus. Another checks his tablet in line at a café. A woman banks on her tablet in her kitchen. A man checks his watch while relaxing on the couch.

On your desk, in your pocket and even on your wrist, with CIBC, your bank is wherever you are.

[“CIBC: Banking that fits your life” logo.]