Asset Advantage Account®

AAA Delivers Successful Money Management

Asset Advantage Account® (AAA) simplifies your life by conveniently integrating your investment account with the management of your everyday finances. AAA is a multi-faceted investment service that integrates all your investment, banking and borrowing transactions into one easy-to-access account. AAA seamlessly links the financial expertise of your CIBC Wood Gundy Investment Advisor with the banking resources of CIBC.

Capitalize On The Many Benefits Of AAA

The features of AAA include:

  • One-to-one personalized investment services
  • Powerful compounding on cash balances: CIBC Wood Gundy's best interest rates on Canadian and U.S. funds
  • Interest rates on margin accounts that are among the lowest in the industry, applicable regardless of the size of the loan

Convenient banking features including:

  • Access anywhere, anytime to your accounts 24 hours a day, seven days a week through CIBC online and telephone banking
  • Comprehensive reporting to help you manage your portfolio
  • Auto Pay Service on any CIBC Visa: Through the Auto Pay Service, you can arrange to have your bank account debited each month on the payment due date for either the current month's Minimum Payment due or the full Balance on your CIBC Visa Card. In order to enroll in the Auto Pay option, you will have to sign and return an Auto Pay Service authorization form before your payments can be processed automatically. Auto Pay is available on any CIBC credit cardOpens a new window in your browser. (excluding Small Business VISAs and US Dollar VISAs). For more information or to request an Auto Pay Service Authorization Form, please call 1-800-465-4653.

Find Out How We Can Help

To learn more about all the convenient features and benefits of Asset Advantage Account, please contact your CIBC Wood Gundy Investment Advisor today.

Use our Find An AdvisorOpens a new window in your browser. tool to locate a CIBC Wood Gundy Investment Advisor near you and take the first step to achieving the financial future you want.

Can I Combine My Investments With My Banking?

As CIBC Wood Gundy's premium investment account, Asset Advantage Account® (AAA) combines all the features of a traditional investment account with CIBC Wood Gundy's best interest rates and a complement of CIBC personal banking and VISA* card services - together in one account, with one monthly statement and a single annual fee.

Features:

With AAA you enjoy personalized, ongoing investment advice, complete trading and margin privileges in multiple currencies and all the services of a premium bank account. AAA offers no-charge chequing in Canadian and U.S. dollars; preauthorized bill payments; direct deposit services; overdraft protection; and a wide range of electronic banking services. With CIBC bank machines, Telephone Banking and Online Banking services, you can use AAA to perform most banking transactions, 24 hours a day. As an AAA client, you can obtain funds from any Interac** or PLUS* system bank machine, worldwide. Using the AAA convenience card, you can make direct payment purchases from your AAA using Interac Direct Payment terminals at participating merchants in Canada.

For your convenience, CIBC automatically pays the VISA bill out of the available cash and margin credit in your account each month:

Auto Pay Service on any CIBC Visa

Through the Auto Pay Service, you can arrange to have your bank account debited each month on the payment due date for either the current month's Minimum Payment due or the full Balance on your CIBC Visa Card.

In order to enroll in the Auto Pay option, you will have to sign and return an Auto Pay Service authorization form before your payments can be processed automatically.

Auto Pay is available on any CIBC credit cardOpens a new window in your browser. (excluding Small Business VISAs and US Dollar VISAs). For more information or to request an Auto Pay Service Authorization Form, please call 1-800-465-4653.

AAA's greatest advantage is that it offers what most investment accounts don't - premium interest rates on every dollar of cash held in the account. As an AAA client, you also enjoy CIBC Wood Gundy's lowest rates on any margin balances carried. AAA cheques are cleared first using the available cash in the account, then available margin then available VISA credit. In this way, AAA always provides overdraft protection from the least expensive source of funds.

Use our Find An AdvisorOpens a new window in your browser. tool to locate a CIBC Wood Gundy Investment Advisor near you and take the first step to achieving the financial future you want.