CIBC FirstCaribbean Business Banking Unlimited Chequing Account

Manage expenses -- set monthly service fee
Maximise earnings -- surplus operating funds can be swept to an interest-bearing account
Bank anytime -- FREE 24-Hour access to accounts through Internet Banking to track account balances, transfer funds and more
Reconcile bank statments - made easy through the duplicated cheque writing system and recording of the cheque numbers on the bank statement
Automation of reoccuring payments -- pre-authorised payments can be arranged to cover reoccuring obligations
Eliminates the need to carry cash -- 24-Hour account access to accounts 7 days a week via our Instant Teller network, other financial institutions and merchant locations where available

Account Features

Balances & Fees
A minimum amount is required to open this account A monthly service charge is applied on the last working day of the month See your local branch for details on the minimum amount and monthly service fee

Additional Features
Unlimited cheque writing: The first 250 cheque leaves are free, applies to standard cheques not personalised versions Personalised cheques are available in a variety of styles and scenes; a charge is levied for printing All cheques are magnetically (MICR) encoded with sequential numbering Government Stamp Duty may be applicable A stop payment facility is available for a fee Discounted night deposit bags based on availability Capability to transfer surplus funds to the CIBC FirstCaribbean Business Banking Interest Account FREE Internet Banking with bill payments. Some transactions (e.g. for wire transfers), will attract separate charges A FREE statement is only available via our Internet Banking Service A FREE mini-statement of the last 10 transactions is provided through our Instant Tellers Mailed statements may be requested for an additional charge Mailed statements will be provided for FREE to customers without access to Internet Banking 24–Hour Automated Telephone Banking A CIBC FirstCaribbean Overdraft Facility can be established on the account subject to agreement and meeting of the qualifying criteria Customers will have no authorisation to present cheques when funds are not held on the account Arrange standing orders to pay bills and loans and to transfer funds to accounts at other banks

Additional Features

Unlimited cheque writing:
- The first 250 cheque leaves are free, applies to standard cheques not personalised versions
- Personalised cheques are available in a variety of styles and scenes; a charge is levied for printing
- All cheques are magnetically (MICR) encoded with sequential numbering
- Government Stamp Duty may be applicable
- A stop payment facility is available for a fee
Discounted night deposit bags based on availability
Capability to transfer surplus funds to the CIBC FirstCaribbean Business Banking Interest Account
FREE Internet Banking with bill payments. Some transactions (e.g. for wire transfers), will attract separate charges
A FREE statement is only available via our Internet Banking Service
- A FREE mini-statement of the last 10 transactions is provided through our Instant Tellers
Mailed statements may be requested for an additional charge
- Mailed statements will be provided for FREE to customers without access to Internet Banking
24–Hour Automated Telephone Banking
A CIBC FirstCaribbean Overdraft Facility can be established on the account subject to agreement and meeting of the qualifying criteria
- Customers will have no authorisation to present cheques when funds are not held on the account
Arrange standing orders to pay bills and loans and to transfer funds to accounts at other banks

Special Conditions
FREE banking at CIBC FirstCaribbean Instant Tellers is available ONLY to businesses that fall into any one of the following categories: Is a sole trader/proprietor Has a business account where only one signatory to the account is required Has a business account with more than one signatory and only one signature is required to perform transactions on the account. A charge is levied for withdrawals and inquiries done at non-CIBC FirstCaribbean ATMs CIBC FirstCaribbean Instant Tellers have 24-Hour access for Cash Withdrawals, Mini-Statements, Transfers and other transactions using the CIBC FirstCaribbean Bank Card

Special Conditions

FREE banking at CIBC FirstCaribbean Instant Tellers is available ONLY to businesses that fall into any one of the following categories:
- Is a sole trader/proprietor
- Has a business account where only one signatory to the account is required
- Has a business account with more than one signatory and only one signature is required to perform transactions on the account. A charge is levied for withdrawals and inquiries done at non-CIBC FirstCaribbean ATMs
- CIBC FirstCaribbean Instant Tellers have 24-Hour access for Cash Withdrawals, Mini-Statements, Transfers and other transactions using the CIBC FirstCaribbean Bank Card

Product features vary by location. Please contact your local branch for further details.

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