text:
Accessibility links
Products and services
Tools and Resources
Products and services
Buying a new home is a big step and we're here to help you through the whole process.
Products and services
Tools and Resources
Find a borrowing option that fits your needs and financial goals
Products and services
Tools and Resources
Products and services
Tools and Resources
A Simple way to Pay
Introducing mobile wallets for Apple Pay®, Google PayTM and Samsung Pay®
Frequently asked questions
Here's where you'll find the answers to many of your Frequently Asked Questions.
Top client questions
I heard about a potential fraud, what happened?
On Sunday, May 27, we received a claim that fraudsters electronically accessed certain personal and account information for some of our clients.
We immediately began investigating and have taken additional security measures to protect our clients accounts.
Who is affected?
A limited number of clients are affected and we are reaching out to them through all available channels to offer support. You may be affected if:
- You are not able to access online or mobile banking
- You see any transactions or account activity that you don't recognize or did not authorize
Affected clients should contact us at 1-888-723-8881. We are available 24-7 days a week.
What is Simplii doing to help and protect affected clients?
We are extending free credit monitoring to affected clients and are committed to returning 100% of any money lost from affected accounts as a result of this issue. We have also changed the functionality of a limited number of Simplii debit cards. Affected clients can continue to use their existing card for debit card purchases and ATM transactions, however online and mobile banking have been temporarily disabled to protect their accounts.
Affected clients should contact us by calling 1-888-723-8881 so we can issue their new debit cards and enable online and mobile banking services. We are available 24-7 days a week.
We will continue to advise clients and take additional steps as necessary. We have a dedicated team that is working around the clock to make this right for our clients.
What else can I do?
- Always use a complex password for banking. Protect your PIN number, passwords, card and account numbers. Use different passwords for your credit card and bank accounts. Simplii will never request personal information, PINs or passwords by email.
- Regularly check your statements, online accounts and banking apps to verify your transactions. Report any inaccuracies immediately.
- Always be cautious when receiving unsolicited emails or opening email attachments from senders you don't know. They can be phishing emails or may contain malicious software.
How should I report suspected fraud?
To report suspected fraud, or if you think you have been a victim of fraud (e-mail fraud, text message fraud, identity fraud, phishing, spyware): Send an E-mail to: firstname.lastname@example.com or call us at 1-888-723-8881.
Getting started
How do I open a bank account?Did you know? If you are a Simplii client, signing on to Online Banking to apply for a new account is faster! Sign on now
- Call us toll-free at 1-888-723-8881
- Apply online
How do I re-order cheques?
When you're starting to run low on cheques, you can re-order them online or call us at 1-888-723-8881. We'll put your new cheques in the mail right away.
How do I re-order a bank card?
You can reorder a bank card by calling us at 1-888-723-8881 to have a new one mailed to you. We will replace one lost or stolen card per year, at no cost to you. However, replacing more than one lost or stolen card per year will carry an additional cost (this charge does not apply to replace returned damaged cards). A separate courier charge will apply if you request courier delivery. For more information on charges visit our product and services agreement.
What can I do to access funds in an emergency?
In an emergency, contact us toll-free at 1-888-723-8881. A Personal Banking Representative will help you.
About 1Simplii Financial™ Personal Banking Products and Services
What's the relationship between the 1Simplii Financial™ brand and CIBC?
Simplii Financial™ is a trademark and division of CIBC. Banking products and services branded Simplii Financial™ are offered by CIBC. Simplii Financial™ products and services are not available in Quebec. In this FAQ, "we", "us" and "our" refer to the Simplii Financial division of CIBC.
Do you offer services for small businesses?
We open individual or joint 1Simplii Financial™ accounts in personal names only. Business accounts and/or non-profit organizations accounts are not offered at this time.
Joint Accounts
Can I open a joint 1Simplii Financial™ account?
You can open a joint account with one other person. We will deposit to the joint account any cheques that are payable to both or any one of you, and will require only the signature, authorization or consent of one of you to carry out transactions on the account.
What are some risks of a joint account?
- All money deposited to the account is joint property with the right of survivorship. This means that if one of you dies, all money in your account automatically becomes the property of the other account holder regardless of your estate plan.
- Because we will act on the instructions of either account holder, your joint account holder could withdraw money from the account without your permission, even if you made some or all of the deposits.
- You and your joint account holder will be both individually and jointly responsible for unpaid amounts on the account. This means that we will be entitled to recover the full outstanding amount from either one of you (or if one of your dies, from your estate).
- The money in the account may be subject to claims by the other account holder's creditors, even if you made some or all of the deposits.
General information about joint accounts, including some of their risks, is available in this Canadian government publication.
Bank Machines
What bank machines can I use to access money in my account?
You have free use of CIBC bank machines across Canada. Please note that withdrawals from savings accounts cannot be made at a bank machine (funds must first be transferred to another account) and some machines are not capable of accepting deposits.
You can also withdraw money from any other bank machine displaying the 2Interac® or 3PLUS* sign. Go to the Cost For Special Request and Additiontal Items in your Products and Service Agreement for use of non-CIBC bank machines will apply, in addition to any fee levied by the bank machine.
For more details regarding which 1Simplii Financial™ accounts are accessible through bank machines, contact us toll-free at 1-888-723-8881. A Personal Banking Representative will help you.
Can I withdraw money outside of Canada?
You can withdraw money from most bank machines outside of Canada. You will be charged per withdrawal for each withdrawal through these bank machines. Some bank machines may levy additional surcharges. In addition, for foreign currency withdrawals through bank machines outside Canada, a converted Canadian dollar amount will be posted to your account based on the same conversion rate CIBC is required to pay on the date of conversion, plus an administrative fee. The currency conversion may not happen on the date of your withdrawal.
Please note that we cannot guarantee access to your 1Simplii Financial™ accounts via bank machines outside Canada. Some issues that may prevent access while traveling abroad:
- Some foreign bank machines may not recognize accounts called "Other" and "Savings"
- Some foreign bank machines may have withdrawal limits in place that will prevent you from withdrawing the amount you requested
- The amount you attempt to withdraw may exceed the daily maximum on the account because of foreign exchange rate
What is Simplii Financial's branch/institution number or transit number?
Simplii Financial's branch or institution number is 010 and the transit number is 30800.
Deposits, Withdrawals and Overdraft
How do I make a deposit?
You have two convenient options for depositing cash and cheques into your account:
- At a CIBC bank machine
- Through the 1Simplii Financial™ Mobile Banking App
For more details regarding making deposits at a bank machine, speak to a representative by calling 1-888-723-8881.
What is a direct deposit?
Direct deposit is a convenient system to automatically deposit funds into a bank account. If you instruct your employer, a government agency or other bank(s) to deposit funds directly into a 1Simplii Financial™ account, you will eliminate the hassle of making your deposits yourself. For more details regarding which accounts are eligible for direct deposits, speak to representative by calling 1-888-723-8881.
To set direct deposit up on your account, simply fill in a direct deposit form (which you'll receive when you register for online banking) and give it to anyone from whom you receive regular payments.
How soon are my deposits available?
Direct deposits into your 1Simplii Financial™ bank account are in most cases available immediately. Canadian dollar bank machine deposits will post to your account immediately but funds available are subject to a hold of up to 5 business days or your hold period, as outlined in your product letter. We consider Saturdays, Sundays and national holidays to be non-business days.
Here are some examples to help you determine when your funds will be available:
- If your hold period that is stated in your product letter is 5 business days and you were to make a Canadian dollar deposit at the bank machine on a Tuesday, you will have access to these funds on the morning of the following Tuesday, assuming that there are no holidays between the deposit date and your access to funds date. If in this example, the Monday were a national holiday, you would then have access to these funds on the morning of the following Wednesday. Additional holds will apply for your non-Canadian cheque deposits. For details on all of these hold periods please refer to the Processing and Verifying Transactions section of your 1Simplii Financial™ products and services agreement.
Is overdraft protection available on my accounts?
Overdraft protection is available on the No Fee Chequing Account. You can qualify for limits up to $5,000. A charge will apply when you use the service, in addition to a fixed interest rate on overdraft balances. If you use your overdraft, you must bring your account balance over zero at least once a month.
How much money can I access daily?
For your security in the case of a lost or stolen card, we place daily dollar limits on bank machine withdrawals and debit card purchases. Please refer to your product letter or contact a personal banking representative toll-free at 1-888-723-8881 for details.
Can I make US dollar withdrawals and deposits?
You can withdraw U.S. cash at 700 CIBC bank machines nationwide. And as a 1Simplii Financial™ customer, you will receive preferred exchange rates on your U.S. dollar transactions.
Can I withdraw money outside of Canada?
You can withdraw money from most bank machines outside of Canada. You will be charged per withdrawal for each withdrawal through these bank machines. Some bank machines may levy additional surcharges. In addition, for foreign currency withdrawals through bank machines outside Canada, a converted Canadian dollar amount will be posted to your account based on the same conversion rate CIBC is required to pay on the date of conversion, plus an administrative fee. The currency conversion may not happen on the date of your withdrawal.
Please note that we cannot guarantee access to your 1Simplii Financial™ accounts via bank machines outside Canada. Some issues that may prevent access while traveling abroad:
- Some foreign bank machines may not recognize accounts called "Other" and "Savings"
- Some foreign bank machines may have withdrawal limits in place that will prevent you from withdrawing the amount you requested
- The amount you attempt to withdraw may exceed the daily maximum on the account because of foreign exchange rates
What is the difference between a personal loan and a line of credit?
A loan is a lump sum that you borrow from a financial institution. To repay the loan, you make fixed payments over a predetermined period of time.
A line of credit is a revolving source of funds with a set limit. You access the funds only as you need them, and any amount that you repay becomes accessible to you again without reapplying. Unlike a personal loan, with a line of credit you can write cheques and make bank machine withdrawals, and you only have to pay interest on the funds that you actually use.
What is a Secured Line of Credit?
A Secured Line of Credit is a revolving Line of Credit that is fully secured by the equity in your home. You can access your available credit anytime without having to reapply and you can make monthly payments of as little as interest only.
What information do I need to provide when I apply for a loan or line of credit?
If you are applying for a loan or line of credit, you will be asked to provide personal and employment information. In addition, you will be asked to provide information about what you own and other debts you may owe. With your consent, a credit bureau report will be obtained to qualify you for the product.
If you are applying for a secured line of credit, you will also be asked to provide information about your mortgage and/or any collateral that is secured against the property.
How do I obtain a copy of my credit bureau report?
Contact one of Canada's credit bureaus to receive a copy of your credit report by mail, free of charge. For a fee, you can also view your credit report online. If you have been denied credit on the basis of a rating, which you feel is inaccurate, you can request that the information be corrected.
For more information, contact one of the credit bureaus directly at:
- TransUnion Canada: 1-866-525-0262 www.tuc.ca
- Equifax Canada: 1-800-465-7166 www.equifax.ca
How do I access a 1Simplii Financial™ Line of Credit?
You can access your available credit under your line of credit in the following ways:
- Bank machine
- Cheque
- Debit Card
- Pre-authorized payments
- Telephone banking
- Internet
- Mobile banking app
How is interest calculated on my line of credit?
You are charged interest from the day you withdraw money, until you pay the money back in full. Interest is calculated on a daily balance and payable on a monthly basis. There is no interest-free grace period.
What are the payment options on my personal loan?
Payments are required on a monthly basis. However, you can set up weekly or biweekly payments on your personal loan at any time during the term (please allow 5 business days or more before the due date). Loans can be repaid in part or in full, anytime, without prepayment charge.
Is there a limit on how much I can prepay on my line of credit?
You have the flexibility to decide how much you'd like to pay each month towards your outstanding balance. With a personal line of credit choose as little as $50 or 2% of your balance, whichever is greater. And, with a secured line of credit your payments can be as low as interest only. There is no prepayment charge if you wish to pay any amount above the minimum.
What are the costs associated with getting a line of credit?
There are no set-up or annual fees associated with our personal line of credit. There is a one-time set up fee of $150 for processing, appraisal and registration of our secured line of credit.
What is a co-borrower of a line of credit or personal loan?
A co-borrower is a person who is equally responsible for repaying a credit balance with a primary borrower. If the primary borrower is unable to repay the line or loan, the co-borrower will be asked to repay.
Where can I get information on the types of security for real-estate secured loans and lines (standard or collateral charges)?
For information on the types of security that can be taken by a lender for a mortgage loan or real estate secured line of credit, visit Types of Registered Charges for Real Estate Secured Lending (PDF, 56 KB)
Mortgage basics
What type of mortgages does 1Simplii Financial™ offer?
We offer both fixed and variable rate mortgages with competitive rates, flexible payment options and convenient features to help you feel right at home.
How can I get preapproved for a mortgage?
Simply gather your personal and employment information, details of what you own and owe and apply to get pre-approved by phone at 1-888-236-6362 or apply online!
What is a down payment?
A down payment is a lump sum deposit towards the purchase of your home. You can put down as much as you want, or as little as 5% depending on the purchase price of your home. If your down payment is less than 20% of the purchase price of your home, you will need mortgage default insurance. The premium for mortgage default insurance is usually added to your mortgage. For more information visit CMHC.
If you are a first time home buyer, you may have the option of borrowing up to $25,000 from your RSP funds to put towards your down payment. For more information click here to visit the Canada Revenue Agency's website.
What's the difference between a fixed rate mortgage and a variable rate mortgage?
With a variable rate mortgage, your interest rate fluctuates with changes to CIBC Prime Rate. As a result, if CIBC Prime Rate drops, so will the amount of interest you pay. Your payment amounts may increase or decrease as interest rates vary. With a fixed rate mortgage, you pay the same interest rate for the entire length of your mortgage term. Your regular mortgage payment is also fixed. That means:
- It's easier to budget for the future since you know exactly what your interest payments will be and how much of the principal balance will be paid off during the term
- You don't have to worry about your interest payments increasing because of rising interest rates. You will know exactly how much interest you will be paying throughout the term of your mortgage
What does amortization mean?
Amortization is the time it would take for your regular payments to pay off your mortgage. If you want to keep your mortgage payments as low as possible, you can choose a longer period of time − up to 30 years for uninsured mortgages. Or if you prefer to pay off your mortgage more quickly, you can choose 25 years or less. The longer the amortization the more interest you pay over the life of the mortgage.
What's the difference between a short term and long term mortgage?
A short-term mortgage has a term less than 3 years and generally offers a lower interest rate than that of a long term mortgage. When the current rates are high and you think rates may drop, choosing a short term mortgage allows you to lock in for a shorter term.
A long term mortgage has a term of 3 years or greater and generally offers a higher interest rate than that of a shorter term. When the current rates are reasonably low, choosing a long term mortgage secures the interest rate for a longer period of time and makes budgeting easier.
What are some additional costs to consider when purchasing a home?
- Mortgage Default Insurance: If your down payment is less than 20% of the purchase price of your home you will be required to pay for mortgage insurance. For more information visit Canada Mortgage and Housing Corporation (CMHC).
- Legal fees: these include the cost of hiring a real estate lawyer to negotiate the purchase agreement and close the deal, as well as out-of-pocket expenses incurred by the lawyer for such things as title searches and registrations.
- Property insurance: This is an ongoing expense of owning a home and you are required to provide proof of insurance at the time you enter into a mortgage on your home.
- Property Appraisal: Financial institutions may require a property appraisal be completed at the buyer's expense before finalizing your mortgage.
- Taxes payable on purchasing land: Most provinces levy a one-time tax, usually called Land Transfer Tax or Property Purchase Tax, when you buy a home. This tax is usually based on a percentage of the purchase price of the home.
- Survey: It's wise to obtain an up-to-date survey of the property you intend to purchase that outlines the exact size of the property, and the location of the boundaries and buildings on the property.
- Home Inspection: A home inspection by a qualified professional may save you headaches in the long run. A home inspector will be able to identify potential problems with the home or outline repairs that need to be made.
- Title Insurance: You may wish to purchase a title insurance policy to cover any title-related issues such as fraud, encroachments or zoning non-compliance that may arise in connection with your new property. Your real estate lawyer can provide more information.
- New Furnishings: Don't forget you'll want to furnish your new home.
- It makes sense to take these additional expenses into account.
How do I transfer my mortgage to 1Simplii Financial™?
- Step 1: Speak to one of our Personal Banking Representatives by calling 1-888-723-8881 and select the 1Simplii Financial™ mortgage and optional features that meet your needs.
- Step 2: We'll contact your existing financial institution to complete the paper work for you.
- Step 3: To help you feel at home, we'll pay your appraisal fee.
When does a prepayment charge apply and how is the prepayment charge calculated?
Where can I get information on the types of mortgage security (standard or collateral charges)?
For information on the types of security that can be taken by a lender for a mortgage loan or real estate secured line of credit, visit Types of Registered Charges for Real Estate Secured Lending (PDF, 56 KB)
Mortgage rules
How will the new mortgage rules in Canada affect me?
With Canada's new mortgage rules, we want to help make sure you know how these new rules may affect you.
Review these scenarios to help you understand when the new qualification rules apply:
Scenario New Qualification Rules Apply You're a home buyer looking to apply for a mortgage
You're refinancing an existing Simplii Financial mortgage
You're transfering your mortgage to Simplii Financial from another financial institution
Your mortgage is coming up for renewal
No qualifying activity is done for renewal (no increase in mortgage amount)
Here's what you need to know about the new rules:
For home buyers with an uninsured residential mortgage (for example, most mortgages where the borrower's down payment is 20% of the property value or more):
- The rate that the lender is required to use when qualifying a client is the greater of the client mortgage rate plus 2% OR the Bank of Canada's 5-year conventional mortgage interest rate
For home buyers with an insured residential mortgage (for example, where the borrower's down payment is less than 20% of the property value):
- The rate that the lender is required to use when qualifying a client is the greater of the client mortgage rate OR the Bank of Canada's 5-year conventional mortgage interest rate
Note: The new rules don't apply if you are renewing your existing mortgage loan with Simplii Financial.
Need additional help understanding the impact of the new rules?
Call a Simplii Financial Mortgage Specialist at 1-888-276-3744.
Tax Free Savings Accounts
What is a tax-free savings account (TFSA)?
A TFSA is a registered savings plan that allows taxpayers to earn investment income tax-free inside the plan. Contributions to the plan are not tax-deductible and withdrawals of contributions you made, and earnings on the plan, assuming you follow the rules, are not taxable.
Who is eligible to open a TFSA?
Any individual (other than a trust) who is a resident in Canada and 18 years of age or older is eligible to open and contribute to a TFSA. 1Simplii Financial™ TFSA accounts are not currently available in the province of Quebec.
How can I open the Tax-Free Savings Account?
You can open the Tax-Free Savings Account by calling 1-888-723-8881 or online by selecting "accounts and products" from the top navigation and then "tax-free investment options."
How much can I contribute to a TFSA per year?
Currently, you can contribute up to $5,500 this calendar year, plus any unused contribution room from previous years, starting in 2009, or the year you turned 18, whichever is more recent for you. This assumes you aren't already in an over-contribution position. If you didn't contribute the full allowable amount each year since you were eligible, you can add the difference to the amount you contribute in the current year. Plus, if you withdrew any amount from your TFSA, other than to correct an over-contribution, and have not re-contributed, you can add that to your next year's contribution.
How will I know what my contribution room for a TFSA is each year?
If you don't know your TFSA contribution room, you can contact Canada Revenue Agency. TFSA contributions in excess of your personal contribution room will be subjected to a 1% per month penalty tax.
For more information, please visit the Canada Revenue Agency here.
Are TFSA contributions tax-deductible?
No. TFSA contributions are not tax-deductible. Any interest earned, however, will not be taxed as income, assuming you are not in an over-contribution position.
If I don't make a contribution into a TFSA in a given year, will I be able to use my unused contribution room in a future year?
Yes. There is no limit on the number of years unused contribution room can be carried forward.
What happens if I contribute more to a TFSA than my contribution amount?
Excess contributions will be subject to a penalty tax of 1% per month on the excess amount for each month that the excess remains in the account(s). Deliberate over-contributions made after October 16, 2009 may also be subject to increased penalty taxes.
Will I have to pay tax on my withdrawals from a TFSA or pay withholding tax?
No, funds are not taxable even when withdrawn by you (withholding tax does not apply in most cases).
Do my withdrawals from a TFSA affect taxes payable or income-tested benefits, such as the Canada Child Tax Credit or Old Age Security?
No, funds do not affect Canadian taxes payable or federal income-tested benefits. For contributions see Are TFSA contributions tax-deductible?, above.
Where can I get more information on TFSAs?
Registered Retirement Savings Plans
What is a Registered Retirement Saving Plan (RRSP)?
An RRSP is a registered retirement savings plan where your money can earn interest that is tax-deferred until withdrawn. Each year that you contribute to an RRSP, you might be eligible for an income tax refund after filing your annual tax return.
How do I determine my RRSP contribution limit?
The Canada Revenue Agency (CRA) provides you with this information each year on your Notice of Assessment (NOA). You can also find out by contacting CRA at 1-800-959-8281 or by logging onto the "My Account" section of the CRA site
How can I withdraw from my RRSP?
You can withdraw from your 1Simplii Financial™ RRSP at anytime by calling us at 1-888-723-8881. Withdrawals from an RRSP are subject to withholding tax. Withdrawals made under the CRA Home Buyer's Plan or Lifelong Learning Plan are not subject to withholding tax.
What is the Home Buyer's Plan?
The Home Buyers' Plan (HBP) is a Canadian government program that allows you to withdraw funds from your registered retirement savings plan (RRSP) to buy or build your first home (certain restrictions apply). If eligible, you can withdraw up to $25,000 in a calendar year.
Your RRSP contributions must remain in the RRSP for at least 90 days before you can withdraw them under the HBP.
Generally, you have to repay all HBP withdrawals to your RRSP within a period of no more than 15 years. You will have to repay an amount to your RRSP each year until your HBP balance is zero. If you do not repay the amount due for a year, it will have to be included in your income for that year.
For more information, click here to visit the Canada Revenue Agency's website.
What is the Lifelong Learning Plan?
The Lifelong Learning Plan (LLP) allows you to withdraw amounts from your RRSP to finance full-time training or education for you or your spouse or common-law partner.
If eligible, you can withdraw up to a total of $20,000.
Generally, you have to repay all withdrawals to your RRSP within a period of no more than 10 years. You will have to repay an amount to your RRSP each year until your LLP balance is zero. If you do not repay the amount due for a year, it will have to be included in your income for that year.
For more information visit the Canadian Revenue Agency's website here.
Who can contribute to an RRSP?
Any person with Canadian-earned income under the age of 71 and who has filed a tax return can contribute to an RRSP up to the annual prescribed limits in the Income Tax Act. You must be a Canadian resident to open an RRSP through 1Simplii Financial™, however, 1Simplii Financial™ RRSPs are not currently available in the province of Quebec.
How can I transfer my RRSP to 1Simplii Financial™?
Transfers into your RRSP savings account can be initiated by calling us at 1-888-723-8881, or using the form located here. Transfers into your mutual fund RRSP can only be initiated by calling us at 1-888-723-8881.
Guaranteed Investment Certificates (GICs)
What are the benefits of investing in a GIC?
A Guaranteed Investment Certificate (GIC) is a secure investment product, where both the principal and interest are guaranteed for the term of the investment at a competitive rate of interest. GIC amounts of up to $100,000 are protected by the Canadian Deposit Insurance Corporation (CDIC).
How can I add to a GIC that I have?
When your GIC matures, you can add to the amount invested when you purchase a new GIC.
What are the benefits of laddering my GIC investment before maturity?
Developing a laddered plan can be an easy way to help you maximize GIC returns while maintaining a secure portfolio. This method of investing (also known as a laddering strategy) can help you reduce the risk of interest rate fluctuations and potentially increase your portfolio's overall return. This is achieved by splitting an investment equally over all GIC terms (1, 2, 3, 4, and 5 years). Click here for more information on GIC laddering.
Can I access my GIC Investment?
Typically you can only access your GIC upon maturity. Registered GICs can only be redeemed before maturity in the following circumstances:
- Withdrawing to participate in the Home Buyers' Plan
- Withdrawing for a Lifelong Learning Plan
Withdrawal due to extreme financial hardship (subject to approval)
Are GICs covered by Canada Deposit Insurance Corporation?
GICs are eligible for deposit insurance from the Canada Deposit Insurance Corporation (CDIC) up to $100,000. For further information, please contact CDIC directly at 1-800-461-CDIC (1-800-461-2342) or visit their web site at www.cdic.ca.
Registered Education Savings Plan (RESP)
What is a Registered Education Saving Plan (RESPs)?
An RESP is a registered education savings plan that lets you contribute a lifetime maximum of up to $50,000 per child. Unlike an RRSP, your contributions to an RESP are not tax-deductible, but the investment income earned is tax-deferred until withdrawn. When income and any Government Assistance paid into the plan is withdrawn to pay for the child's education, it is taxed at the student's tax rate, which may be lower than that of the contributor.
What are the benefits of opening an RESP?
- Tax-deferred growth — Although your contributions are not tax deductible, all investment income generated in the RESP is tax deferred as long as it remains in the plan
- Tax savings — When plan income and government assistance is used to pay for the child's post-secondary education, it is taxed in the child's hands. The child may pay little or no taxes on the money if they otherwise have little or no taxable income.
- Government Assistance (see next question below)
What RESP Grants are available?
Basic Canada Education Savings Grant:
- As a savings incentive, the Government of Canada offers the Canada Education Savings Grant (CESG). The government will contribute an extra 20% on the first $2,500 contributed every year, which amounts to an extra $500 per year, up to a maximum lifetime grant of $7,200 per child.
Additional Canada Education Savings Grant:
- Families that qualify, based on income, can receive an additional CESG
- Families with a net family income of $45,916 or less are entitled to an additional 20% grant on the first $500 of RESP contributions
- Families with net family income of more than $45,916 but not more than $91,831 are entitled to an additional 10% grant on the first $500 of RESP contributions
- These are based on 2017 income brackets. Income brackets are updated yearly
Canada Learning Bond (CLB):
- Available for children who qualify — The CLB is available for children born after January 1, 2004, who live in families entitled to the National Child Benefit. The CLB provides an initial $500 after the RESP is opened, and up to 15 annual CLB payments of $100 for each subsequent year that the children's family is receiving the National Child Benefit supplement. All CLB payments are deposited directly into the RESP account. The maximum CLB available for a beneficiary is $2,000. CLBs cannot be shared with other beneficiaries
Alberta Centennial Education Savings Plan (ACES):
- An initial $500 grant for beneficiaries born or adopted in 2005 or later, to Alberta residents. Subsequent grants of $100 are available for children enrolled in school in Alberta at age 8, 11 and 14, if their parents live in Alberta. Subsequent grants require a minimum matching deposit to the RESP of $100 per beneficiary, per request, within one year before the application date. All applications must be received within 6 years of the applicable birthday or date of adoption
How do I receive the Government Assistance for the RESP?
In order for an RESP to receive government assistance, the child named in the RESP needs a Social Insurance Number.
For an RESP mutual fund account comprised of individual funds, government assistance is paid monthly and deposited directly to CIBC Money Market Fund. For an RESP mutual fund account comprised of a portfolio, government assistance is paid monthly and is allocated proportionately to the various mutual funds in the portfolio.
Who can open an RESP account for a beneficiary?
Anyone! A family member, friend, relatives, or guardians can all open an RESP for a beneficiary. However, in all cases where the beneficiary is under the age of majority, the primary care giver (usually the parent or legal guardian of the child) must sign forms required by Human Resources and Skills Development Canada (HRSDC), which administers the government assistance for RESPs. If the beneficiary is over age 18, the beneficiary must sign the HRSDC forms.
Is there a minimum or maximum contribution amount for the RESP?
Minimum: To get started with your RESP offered through 1Simplii Financial™, you can either contribute $25 a month or $500 as a lump sum.
Maximum: The lifetime RESP contribution limit is $50,000 per child. There is no annual maximum contribution limit. There may be restrictions depending on the type of plan and the age of the beneficiary.
Do I need to provide the beneficiary's Social Insurance Number?
Yes, in order to open an RESP through 1Simplii Financial™, you must provide a Social Insurance Number for the beneficiary (child) named in the RESP. It is also a requirement in order for an RESP to receive government assistance.
What are the types of RESPs?
Family plan RESP
With a family plan, you (the subscriber) can name more than one child as a beneficiary of the plan, but all beneficiaries must be your child, grandchild, great-grandchild or sibling, by birth or adoption. If the child for whom the plan was originally intended decides not to go on to postsecondary education, the funds can be used for another child named in the plan.
Individual plan RESP
You can name only one child as beneficiary on an individual plan. He or she does not have to be related to you.
What if the child does not pursue higher education?
If you have a family plan, you can use the earnings to pay for the education of another child named in the plan. With an individual plan, you may have the option of naming another beneficiary, but government assistance may have to be returned to the government.
If no beneficiary chooses to pursue higher education, you may be able to transfer up to $50,000 of accumulated income earned in the plan tax-deferred from the RESP to your RRSP subject to these special conditions:
- You must be a Canadian resident.
- Your normal RRSP contribution limits apply. If you do not have sufficient RRSP contribution room, you may be able to withdraw plan earnings, however, some restrictions and additional taxes may apply.
- The RESP must have been in effect for at least 10 years and all RESP beneficiaries must be at least 21 and not currently seeking higher education, or all beneficiaries are deceased
You can always get back the contributions you made to the plan that haven't already been withdrawn but if they aren't used for the beneficiary's higher education, the government assistance in the plan may have to be paid back. You cannot transfer any government assistance amounts to your RRSP. If they are not used as educational assistance payments for a beneficiary, they are returned to the government.
What is other helpful information about RESPs?
In order to open an RESP account through 1Simplii Financial™ and to receive government assistance into the RESP, the child named in the RESP needs a Social Insurance Number. Lifetime RESP contribution maximum: $50,000 per child. If more than one RESP is opened for the same child, total contribution amounts contributed for the child (including contributions by anyone other than you, and whether to the same or different RESPs) cannot exceed the allowable lifetime maximum.
In the mutual fund RESP offered through 1Simplii Financial™, government assistance paid into the RESP is paid monthly and deposited directly to CIBC Money Market Fund. You can then change how that amount is invested in the usual way. Any government assistance paid into an Index Portfolio Rebalancing Service account is allocated proportionally to the various mutual funds in the portfolio.
For more information about RESPs, please call 1-888-723-8881.
Registered Retired Income Funds (RRIF)
What is a Registered Retirement Income Fund (RRIF)?
An RRIF is a tax-deferred account designed to provide owners (annuitants) with a source of income after they have retired. It is designed to generate income from the savings accumulated under an RRSP or a registered pension plan. You can only transfer property to an RRIF from an RRSP, a registered pension plan, or from another RRIF. An RRIF is one option available when you are required to choose a retirement income option for your RRSP when it "matures", by December 31st of the year in which you turn 71. When your RRSP matures, you can choose from a number of options, including a taxable cash withdrawal, a registered annuity, an RRIF or any combination of these.
One of the most common options is to transfer your RRSP to an RRIF. With this approach, you can benefit from continuing tax deferral on the growth of the assets that were in your RRSP. You can establish an RRIF anytime, but it must be done no later than the year in which you turn 71. Once you establish an RRIF, minimum annual payments must start coming out after the year it is set up.
Do I need an RRIF?
Your choice depends largely on the type of current retirement plan you hold. RRSPs are most frequently converted to a RRIF, in order to maximize continued tax deferral.
How do I receive the income of an RRIF?
There is a minimum amount that you receive annually from an RRIF. This amount is calculated by the financial institution that holds the RRIF on the basis of the age of the account holder at the time of opening the account. Alternatively, the payments can also be calculated on the basis of the age of the account holders spouse or common-law partner. You have one time to make the decision of whose age to base the minimum payments on - before the first minimum payment is made − and it can't be changed after that.
What is a LIF?
A LIF is a life income fund (referred to as LRIF in Newfoundland and Labrador). LIFs are RRIFs that hold locked-in pension funds, funds that came from a registered pension plan Locked-In RRSP, or a Locked-In Retirement Account. LIFs must pay out the annual RRIF minimum but they also have maximum annual payments and other features based on the pension law that governs the locked-in funds.
Mutual Funds
What is a mutual fund?
A mutual fund is a pool of money managed and invested by investment experts. When you invest in a mutual fund, you're really combining your money with that of other like-minded investors. Each mutual fund has a professional investment manager who researchess, chooses and monitors investments for the fund. Each fund also has an investment objective, which determines the type of investments the fund owns.
What mutual funds are available to 1Simplii Financial™ customers
1Simplii Financial™ personal banking customers can purchase mutual funds through CIBC Securities Inc1 CIBC mutual funds have approximately $6.4 billion in index funds under management as of June 30, 2017. CIBC Securities Inc. offers you:
- 12 index funds, a money market fund, and 13 unique Index Portfolio Rebalancing Service portfolios
- Canada's only index fund to track the Wilshire 5000, the broadest equity index in the U.S.
- An Index Portfolio Rebalancing Service to monitor and automatically rebalance your portfolio and keep your investments on track
- Competitive management expense ratios (MERs)
- A special management fee rebate for 1Simplii Financial™ customers
- The flexibility to invest on your own terms − for as little as $25 a month
1CIBC Mutual Funds are offered by CIBC Securities Inc., a subsidiary of CIBC. Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the prospectus before investing. Mutual funds are not guaranteed; their values change frequently and past performance may not be repeated. Ask for more details.
Where can I access my mutual fund account?
You can access your mutual fund account online by signing in to your online banking, mobile banking through your smartphone or by calling 1-888-723-8881 and asking to speak to a mutual funds representative. There is no accessibility to your mutual fund account at CIBC bank machines.
Is the special management fee rebate on mutual funds available for 1Simplii Financial™ customers who are residents of Quebec or non-residents of Canada?
No. The special offer by CIBC Securities Inc. for customers of 1Simplii Financial™ is not available in Quebec at this time. CIBC mutual funds are not offered to non-residents of Canada.
Where can I open a mutual fund account?
You can request an account open kit either online or over the phone at 1-888-723-8881.
What is a management fee?
A management fee is the fee paid out of fund assets to the fund manager for investment portfolio management.
What is a management expense ratio (MER)?
A management expense ratio is the management fee plus any other expenses incurred for the operations of the funds expressed as a percentage of the funds' total assets.
What fees do customers pay that are associated with CIBC Securities Inc. mutual fund accounts?
All CIBC mutual funds offered to 1Simplii Financial™ customers have fees paid by the funds expressed as the Management Expense Ratio (MER).
The only out of pocket fees that customers will pay are specific to mutual funds held in registered plan accounts, and to the Index Portfolio Rebalancing Service (IPRS). There are semi-annual administration fees, withdrawal fees and account closing fees associated with registered plan accounts, and there is an annual fee associated with the IPRS.
For more information on mutual fund fees, call 1-888-723-8881.
How does the management fee rebate for CIBC mutual funds work?
With this special offer for 1Simplii Financial™ customers, you'll receive a management fee rebate of 10 basis points, which translates into a savings of approximately 10% off of the current management fee. The special management fee rebate is calculated as follows:
- calculated daily, paid quarterly
- based on closing market value of the index funds within an account for the previous day
- paid to the investor's account through a distribution of additional units of the funds
- considered income to non-registered account holders and reported on the Statement of Trust Income and T3 tax slips. Applicable sales taxes included
If you redeem or exchange all units of a mutual fund, you will be entitled to receive any accrued rebate up to and including the date of the trade.
Can a 1Simplii Financial™ RRSP Loan be used to purchase CIBC mutual funds with the special management fee rebate?
No. The 1Simplii Financial™ RRSP Loan cannot be used in conjunction with the CIBC mutual fund special management fee rebate offer at this time.
What are the benefits of investing in mutual funds?
Mutual funds provide you with the potential to earn higher returns than some other investments such as fixed income securities, and provide for portfolio diversification. Diversification, which is often difficult or too costly for individual investors, may limit potential total losses. If one of the securities in the fund you own is losing value, its losses may be offset by other securities that are performing well.
What are the risks associated with investing in mutual funds?
Investing in mutual funds allows you to put your money to work, even if you have a relatively small amount of money to invest. However, mutual fund investing also has risks. Some mutual funds have relatively lower risk. Others have relatively high risk, but even then, they are generally less risky than an individual security because of the benefits of diversification. In general, the greater the risk, the higher the potential return on your investment. For more detail on specific risks associated with investing in mutual funds see the simplified prospectus and Amendment No. 1
What is the year-end account report and what information does the report include?
In January of each year you will receive a year-end account report for each investment account you hold. The new report includes a detailed view of the performance of your account and our fees associated with it.
Your year-end account report will include text, tables and charts that explain:
- How your account's market value has changed
- How your account has performed
- Fees you paid
- Fees paid by others in connection with your account
Ways to bank
Debit card
What is a chip card?
A chip card is a bank card or credit card containing an embedded computer chip, which gives the card the ability to store and process data. A chip card provides enhanced security because it is very difficult to duplicate.
What are the benefits of the chip card?
Chip technology brings with it a number of benefits, both to consumers and merchants. The most important benefit that chip cards bring to the Canadian marketplace is added security. Chip cards are more difficult to copy, thereby reducing counterfeit fraud.
How do I use a chip card?
Your bank card will contain both an embedded computer chip and a magnetic stripe. When used at a chip-enabled point-of-sale terminal, you will no longer swipe your card through the machine. Instead, you'll simply insert your card in the terminal for the length of your transaction and follow the prompts.
With non-chip enabled point-of-sale terminals outside of Canada, your card is swiped exactly like your old one. The store merchant will let you know if you're using a chip-enabled terminal or not.
Will I be able to use chip cards outside of Canada?
Yes, you should be able to. Many countries, particularly in Europe, have already successfully adopted chip technology and Canadian chip cards will be compatible with these systems.
In countries that have yet to switch to chip technology, such as the United States, cardholders should still be able to use their cards because they'll continue to have a magnetic stripe.
Keep in mind that any international transaction depends on third party systems that are outside our control. We unfortunately cannot guarantee that your bank card will work 100% of the time outside Canada.
What is 4Interac Flash technology?
4Interac Flash is sometimes called "contactless debit." You can use your chip-enabled debit card for everyday purchases in Canada from your Simplii Financial account without entering your PIN. All Simplii Financial debit cards are enabled for contactless debit transactions.
How does 4Interac Flash work?
When using a terminal that is 4Interac Flash enabled, simply hold your card over the terminal and wait for the approval to appear on the screen and/or a beep sound. You don't have to insert your card or enter your PIN for purchases up to $100 at participating merchants. Your purchase will be deducted from your bank account immediately just like Interac debit purchases that use chip and PIN.
Is 4Interac Flash safe?
There are several security features to help protect cards enabled with contactless technology and contactless transactions from fraud. 4Interac Flash is part of the secure microchip that's already on your card. Your card has chip technology to protect it from being copied and counterfeited. For additional safety, if you go over your 4Interac Flash spending limit, the terminal will ask you to do a PIN transaction to confirm that you are the actual cardholder. In addition, 4Interac Flash comes with 4Interac Zero Liability Policy – this means you will receive 100% reimbursement of funds if your card is lost/stolen and is fraudulently used.
Can I disable the contactless feature if I don't want to use it?
All 4Interac Flash cards are issued with the contactless feature enabled. If you want to functionality turned off, you can do so by calling us at 1-888-723-8881.
Online Banking
I have never banked online. Is it difficult to do?
Banking online is very simple. Once you have registered and have a password, there's an extensive Help section if you have questions. You can also call us toll-free at 1-888-723-8881 if you need additional assistance.
How secure is online banking?
Your online security is our most important concern. So when you sign in to your accounts, you can feel confident knowing your account information is protected by one of the most secure forms of encryption widely available for Internet browsers. For more information, click here.
How do I register for online banking?
Once your account has been activated, simply select a password to register. Have your bank card with you and follow the instructions.
What computer hardware, operating system, and software do I need to bank online?
When you access your 1Simplii Financial™ accounts over the Internet, your browser is checked to ensure it meets our minimum security requirements. You should protect yourself online by using an up-to-date browser with the most recent security updates.
How far in advance should I schedule my online bill payments?
Though some merchants accept the date on which the bill is paid from your account as the date on which they received payment, not all merchants treat payments as being received as of that date. Some require additional time to process your payment. Therefore, you should schedule a bill payment to occur several business days in advance of the date on which you wish the payment to be effective to ensure it arrives in time. Please note that the posting date for transactions completed after 6pm EST or on weekends/holidays will show as the next business day.
What is an 4Interac e-Transfer® and what do I need to use the service?
An Interac e-Transfer® is a way to send and receive money electronically, 24 hours a day, 7 days a week. It allows you to send money to almost anyone with an e-mail address and a Canadian-dollar bank account at a Canadian financial institution.
You will need to be registered for online banking in order to use this service. You will also need the recipient's e-mail address and a security question and answer.
How do I send an 4Interac e-Transfer®?
Sign in to online banking and select "Interac e-Transfer" from the left-hand navigation. Follow the on-screen instructions to complete the transfer.
What are the fees for 4Interac e-Transfer®?
Sending or receiving an Interac e-Transfer® is free. Should you stop an Interac e-Transfer®, you will be charged $3.50.
Which bank accounts can be used for sending and receiving an 4Interac e-Transfer®?
The following 1Simplii Financial™ accounts have access to the Interac e-Transfer® service:
- No Fee Chequing Account
- Personal Line of Credit
- Secured Line of Credit
Is there a limit on how much money can be sent or received by 4Interac e-Transfer®?
Each individual Interac e-Transfer® must be for a minimum of $0.01 and a maximum of $3,000. The limits for sending an Interac e-Transfer® are as follows:
- For any 24-hour period, a maximum of $3,000 may be sent
- For any 7-day period, a maximum of $10,000 may be sent
- For any 30-day period, a maximum of $30,000 may be sent
How can I get more information on the status of an 4Interac e-Transfer®?
Sign in to online banking and select "Interac e-Transfer" from the left-hand navigation menu. Then select "e-Transfer status" to see a list of transactions and links to the current status of each.
How can I view 4Interac e-Transfer® I have sent?
Sign in to online banking and go to the "Interac e-Transfer" page, then select the "e-Transfer status" link to view current and previous transfers.
What is the difference between a stop payment and a reclaim 4Interac e-Transfer®?
A stop payment occurs when the sender chooses to stop the payment; the sender will be charged a fee for this request.
A reclaim email money transfer occurs when the Interac e-Transfer® is undeliverable for one of following reasons:
- Recipient's e-mail address is not valid
- Recipient is unable to answer the security question
- Recipient declines the transfer
- Interac e-Transfer® expires
When the Interac e-Transfer® transaction cannot be completed, the funds are returned to the sender. No fees are charged for reclaiming e-Transfer transactions.
My friend opened a new account and did not mail in a cheque, or show ID. Why do I have to?
Depending on when your friend became a 1Simplii Financial™ customer, our account opening procedure may have been different at that time.
If your friend was already a customer and recently applied for another account or product, he or she would not be required to verify their identity again.
Can I use a cheque from a joint bank account to verify my identity?
Yes. As long as your name appears on the cheque, and it is signed by you.
I've applied for an account or other product online. Now what?
If you are already a 1Simplii Financial™ customer (and you applied when you were signed in), you can check the status of your application online by signing in to online banking and selecting the view status link. You will also receive a confirmation letter to let you know that your account is ready.
If you are a new 1Simplii Financial™ customer, you will receive either a welcome kit, or a letter with further instructions.
Mobile Banking
What is "Mobile Cheque Deposit"
This is a feature within 1Simplii Financial™ Mobile Banking that allows you to deposit a cheque from anywhere using your smartphone camera.
How do I make a cheque deposit on my phone?
First, you must have the 1Simplii Financial™ Mobile Banking app and be registered for 1Simplii Financial™ Online and Mobile Banking in order to sign on. Select "Deposit" and follow the steps on screen.
Please note: Your mobile device must be compatible with the 1Simplii Financial™ Mobile Banking application, and your smartphone and/or tablet must have a camera on the back side.
What devices are compatible with Mobile Cheque Deposit?
This feature on the 1Simplii Financial™ Mobile Banking app is available for all 4.x 5Android™, 6iPhone®, and 8iPod® touch devices on iOS6 and above.
Mobile Cheque Deposits will not work on smartphones without a camera or 7BlackBerry® smartphones.
Is there any cost for the Mobile Cheque Deposit feature?
No, there are no additional fees to use Mobile Cheque Deposit.
Can I deposit a foreign currency cheque into my Canadian account using mobile banking?
No, Mobile Cheque Deposit only accepts Canadian dollar items deposited to Canadian dollar accounts.
What is "3D Touch"?
3D Touch is a quick action available on compatible Apple devices. When you firmly press and hold the 1Simplii Financial™ App icon, you'll be able to transfer funds, pay bills or deposit a cheque in fewer steps.
How do I use 3D Touch on the 1Simplii Financial™ Mobile Banking App?
Press firmly on the 1Simplii Financial™ App icon and hold until you see 3 quick actions to transfer funds, pay bills or deposit a cheque with Mobile Deposit. If you're signed in, you'll be able to begin your transaction right away. If you're not signed in to the app, you'll be asked to sign in first before you get to the appropriate screen.
What is "Fingerprint ID"?
Fingerprint ID is a fingerprint sensor for 5Android™ devices. If you have set up your fingerprint on your Android phone or tablet, you can also set it up on the 1Simplii Financial™ Mobile Banking App to sign on with a single touch.
How do I set up and use Fingerprint ID?
Once you've saved your fingerprint on your 5Android™ device, sign on to the 1Simplii Financial™ Mobile Banking App and select Settings from the drawer menu and then Set up Fingerprint ID. When you turn on Fingerprint ID in the app, you'll be asked to enter your mobile banking password and touch the sensor to confirm your fingerprint. Once you're authenticated, your preference will be saved and you'll have the option to use your fingerprint the next time you sign on. Just press the sensor with your fingerprint to sign on.
What is "Touch ID"?
Touch ID is a fingerprint sensor for Apple devices. If you have set up your fingerprint on your 6iPhone® or 8iPad® you can also set it up on the 1Simplii Financial™ Mobile Banking App to sign on with a single touch.
How do I set up and use Touch ID?
Once you've saved your fingerprint on your Apple device, sign on to the 1Simplii Financial™ Mobile Banking App and select Settings from the drawer menu, then Set up Touch ID. When you turn on Touch ID in the app, you'll be asked to enter your mobile banking password. Once you're authenticated, your preference will be saved and you'll have the option to use your fingerprint the next time you sign on. Just press the Sign On button and once the Touch ID message appears, use your fingerprint on your device's home button to sign on.
Technical Issues
My computer screen does not display an entire page. I have to use the bottom scroll bar to view all the information. How can I reduce the scrolling?
The scrolling results from a combination of your display settings and your font settings. The 1Simplii Financial™ web site has been optimized for a display setting of 1024 by 760 pixels. Please consult the help menu of your operating system and browser to determine how to adjust the display and font size so as to avoid scrolling.
What is encryption and why do I need it?
Encryption refers to the practice of scrambling data so unauthorized parties cannot decipher it. It is important that your confidential information remain secure as it is passed between your device (e.g., computer or smartphone) and the issuer's server. To ensure your information is as secure as possible, we require that your browser use 128-bit encryption. This is the most secure browser technology currently available.
What is my browser cache and why should I clear it?
Caching refers to your browser's ability to store visited web pages on your hard drive. Caching is helpful because it allows a page to be accessed from your hard drive instead of from an Internet source. This can help you access pages more quickly. However, if your browser retrieves a page from its cache instead of the Internet source, the page displayed may not be the most recent version. It is important to periodically clear your browser's cache so your browser can retrieve an updated version of a page. It is especially important to clear your cache if you have received an error message and are trying to correct the error. See your browser's help menu for more information on performing this function.
Privacy and Security
Is my money secure with 1Simplii Financial™?
We are committed to taking good care of you and your money. With 1Simplii Financial™, your deposits are held by CIBC, a member of the Canada Deposit Insurance Corporation. If you would like further information on CDIC, you can contact them directly at 1-800-461-CDIC (1-800-461-2342) or visit their web site at www.cdic.ca
What is your privacy policy?
An important part of our commitment to you is respect for your right to privacy. You can read the privacy policies applicable to 1Simplii Financial™ here.
How secure is online banking?
Your online security is our most important concern. So when you sign in to your accounts, you can feel confident knowing your account information is protected by one of the most secure forms of encryption widely available for Internet browsers.
What is personal verification?
As an extra security measure, 1Simplii Financial™ will occasionally require that you answer one of your personal verification questions to confirm your identity when you sign on to online banking. The answers to these questions are as important as your online banking password and your bank machine PIN, so make sure you remember them and do not disclose them to anyone.
How does personal verification work?
All you have to do is think of 3 questions and 3 answers. You enter the questions and answers on the personal verification page, found under "special requests" in online banking, then select "send request". The next time we need to confirm your identity or you forget your online banking password, we will ask you your personal verification questions.
What questions should I use for my personal verification questions?
Use questions to which only you would know the answers. At the same time, make sure you don't use questions so obscure you won't remember the answers a few months from now. Use letters and/or numbers in your questions and answers (at least 4 characters) — do not use symbols or punctuation marks.
You will have the option to create your own questions or select them from the a standard list of questions to ensure that no one but you will be able to access your online account.
Don't use questions and answers that somebody else could guess, like your name or that of any close friend or relative.
Do not share your personal verification question answers with anyone, and do not disclose them in any e-mails. Giving your personal verification question answers to another person or company places your finances and privacy at risk.
How do I change my personal verification questions?
1. Sign on to online banking and select "special requests".
2. From under "your information", select "personal verification questions".
3. Set up your new personal verification questions and answers and select "send request".
What do I do if I forget my personal verification questions or answers?
You will need to reset your password by contacting us at 1-888-723-8881. After verifying yourself, press 4 to select the online banking option from the main menu of the automated system and follow the prompts. Once you have reset your password, you will need to re-register for online banking and create new personal verification questions and answers.
What is the green device on CIBC bank machines?
It's a card reader, which helps prevent others from obtaining your bank and/or credit card information through illegal devices or practices at a bank machine. It's an extra step we've taken to ensure your privacy is protected.
How does the green card reader on CIBC bank machines affect my banking?
Your cards and banking transactions will be better protected but the device itself will not affect the way you do your banking.
What's the difference between my online password, telephone password and bank machine PIN?
- Your online banking password is used to access online banking. It is between 6 and 12 characters, and is case sensitive (i.e. it recognizes letters that are in upper and lower case).
- Your telephone banking password is used to access telephone banking. It is 5 characters in length.
- Your bank machine PIN is used to access your accounts at a bank machine. It is 4 characters in length.
What can I do to ensure my online banking account information is safe?
- Do not share your account information and password with anyone.
- Do not create a password using your name, phone number, address, date of birth or common words in the dictionary. For added security, you can use a combination of letters and numbers, mix upper and lower case characters, and change your password often.
- Do not share your personal verification questions (PVQs) or answers with anyone.
- When setting your PVQs, use questions to which only you would know the answers. At the same time, make sure you don't use questions so obscure you won't remember the answers a few months from now. Don't use questions and answers that somebody else could guess, like your name or that of any close friend or relative.
- To prevent unauthorized access to your accounts, be sure to sign off of online banking, close off your browser or sign off of the mobile banking applications used by you for mobile banking as soon as you finish using them. This will end your secure session and your account info cannot be accessed without re-entering your card number and password.
- You should memorize your password and personal verification questions and not record them anywhere
- For your security, if no activity is detected for 10 minutes in online banking, you will be automatically logged-off. To re-access your account information, simply log back in to online banking.
- E-mail is not a secure form of communication and may be lost, intercepted, or altered. Never use email to send confidential information such as account numbers
- Make sure you are using one of the supported browsers that use 128-bit encryption. If you do not have a recommended browser, you can download the latest version free of charge from the Microsoft or Firefox web sites.
- Use an up-to-date anti-virus program, anti-spyware program and a firewall
The Electronic Device you use may be vulnerable to viruses or online attacks that seek to intercept or alter information including sensitive information that you provide through the Internet. To reduce the chances of harm, you should take all reasonable precautions, including ensuring that any Electronic Device you use to access Online Banking has an up-to-date anti-virus program, anti-spyware program and a firewall, if such security measures are available for your Electronic Device. To prevent unauthorized access to your Accounts, you must sign off of Online Banking, close your browser, or sign-off of the mobile applications used by you for Mobile Banking, as soon as you finish using them.
How do I change my passwords?
- For online banking password — sign in and select "Special requests" from the menu. Click on "Password change" and follow the directions on the screen. You can also reset your online banking password using the personal verification questions and answers you previously provided.
- For telephone banking password — call us toll-free at 1-888-723-8881, and a Personal Banking Representative can assist you in changing your telephone password.
- For bank machine PIN — you will receive your 1Simplii Financial™ PIN in the mail. Should you wish to change it, you can do so at most CIBC bank machines.
What do I do if I forget any of my passwords?
If you forget your online banking password, you can reset it by answering your personal verification questions. This is a convenient way for you to reset your password without even picking up the telephone.
If you haven't set up your personal verification questions and answers, please contact us at 1-888-723-8881 to reset your password. After verifying yourself, press 4 to select the online banking option from the main menu of the automated system and follow the prompts. Once you have reset your password, you will need to re-register for online banking.
For assistance with all other passwords, please contact a Personal Banking Representative toll-free at 1-888-723-8881.
What should I do if my 1Simplii Financial™ bank card is lost or stolen?
If your bank card is lost or stolen, call us immediately toll-free at 1-888-723-8881.
How do I clear my browser cache?
If you share a computer and Internet connection with someone, that other person could view your confidential financial information by hitting the "Back" button on your web browser after you have used it to bank online. You can keep your private information secure by closing your web browser after your banking session or by clearing your browser's cache. The cache maintains a copy of web pages that have been viewed recently. Refer to your browser's help menu (commonly available by pressing F1) for instructions on how to clear your cache.
Power of Attorney
What is a Power of Attorney (POA)?
A Power of Attorney is a legal document that gives someone the authority to manage your affairs on your behalf. That person is called an "attorney", but does not need to be a lawyer. General information about Powers of Attorney, including risks, advantages, and how to choose an attorney, is available in this Canadian government publication.
How do I set up a POA for my 1Simplii Financial™ banking products?
We offer a general POA form that, if validly completed, gives your attorney the right to carry out certain 1Simplii Financial™ banking and securities-related transactions. It is not mandatory to use our form. You can also use a power of attorney form prepared by a lawyer or other third party.
Before your attorney can operate your account on your behalf, give us a call at 1-888-723-8881. We'll ask you for some information about your attorney, including his/her home phone number, address, occupation and date of birth. If you would like to use our general POA form, we'll mail one to you and ask you to complete and return it. If you would like to use your own POA document, we'll ask you to mail us an original or notarized copy. Finally, we'll ask you to have your attorney present two pieces of identification at a pavilion. At least one of the IDs must be government-issued photo identification.
What if there are issues with a POA?
On occasion, we may question the authority of the attorney to give instructions on your behalf or the acceptability of a POA document. In these cases, we will inform you or your attorney that a review is required, except where prohibited by law. Certain reviews require more time, but we'll tell you how long we expect the review to take.
If we aren't able to act on your POA or your attorney's instructions, you or your attorney can contact us with any concerns. See the section "How to resolve concerns with 1Simplii Financial™" on the legal stuff page.
Important note: nothing in the FAQs constitutes an offer or solicitation. The information below is of a general nature only and is subject to change. It is not intended (and should not be relied upon) as specific investment, financial, legal, accounting, tax or other advice.


text:
Chameleons Forum
Click Here To Register and Become A Member Of The RepticZone Family
Back to Chameleons Forum Forums Home Members Area
View Profile
Panther Cham-purchased male, received female!! (They won't replace)
Hello everyone, I recently ordered a male Blue Bar Ambilobe Panther Chameleon from Backwater Reptiles on-line. As tge little guy reached his 5th month, I started wondering if maybe he was a female due to the fact that no kind of color was showing. I e-mailed Backwater Reptiles & they had me send pictures. Upon review of the pictures, they came to the conclusion that this chameleon is in fact a female. As a first time Panther Chameleon owner I had/have no idea how to sex this awesome lizard except to look for the coloration that males begin showing between 4-6 mths of age. Although there are many reasons I love these creatures, the beautiful coloration of the males is what mainly attracted me to these awesome creatures. They advertised a male. I purchased & ordered a male, and received a female. I was told that because it's been so long that I purchased her, they cannot offer me a male at $0 cost. I was told I can get a male at a discounted price. I had no way of knowing it was a female until now that she's 5-6 mths old. I am very disappointed to say the least. I do feel kinda bad giving her up, but I just can't have 2 of them right now. I would very much like to find her a new home & I am only looking to get what I paid for her so that I can purchase the male. With the holidays near I really can't afford to buy another Chameleon without at least getting some money back for her. I paid $190 + $35 shipping. I am asking for $175 + shipping. There's absolutely nothing wrong with her. She is fed well & is healthy. Is anyone interested or can anyone advise me on what to do? Thanks for reading...sorry so long![Image]
|12/03/15 10:38pm

subset: commoncrawl


text:
- Trending Now: More Trending:
- hogwash probity sequacious inadmissible oligarch, pejorative
Recent Examples of eutrophication from the Web
The decay process of algae uses up the oxygen in a process called eutrophication, Levin said.
If the phytoplankton blooms are too large, this can lead to eutrophication, when oxygen is lost from the water and kills marine life.
These example sentences are selected automatically from various online news sources to reflect current usage of the word 'eutrophication.' Views expressed in the examples do not represent the opinion of Merriam-Webster or its editors. Send us feedback.
eutrophication Has Greek Roots
Eutrophication, which comes from the Greek eutrophos, "well-nourished", has become a major environmental problem. Nitrates and phosphates, especially from lawn fertilizers, run off the land into rivers and lakes, promoting the growth of algae and other plant life, which take oxygen from the water, causing the death of fish and mollusks. Cow manure, agricultural fertilizer, detergents, and human waste are often to blame as well. In the 1960s and '70s, the eutrophication of Lake Erie advanced so extremely that it became known as the "dead lake". And many areas of the oceans worldwide—some more than 20,000 square miles in extent—have become "dead zones", where almost no life of any kind exists.
First Known Use of eutrophication
in the meaning defined aboveSee Words from the same year
Learn More about eutrophication
Britannica.com: Encyclopedia article about eutrophication
Seen and Heard
What made you want to look up eutrophication? Please tell us where you read or heard it (including the quote, if possible).


text:
By MacDonald Dzirutwe
HARARE (Reuters) - Zimbabwe's Movement for Democratic Change (MDC) challenged President Robert Mugabe's landslide re-election in the top court on Friday, calling for a re-run of the July 31 vote it says was rigged.
Lawyers for the MDC, which is led by Mugabe's defeated rival Morgan Tsvangirai, filed papers with the Constitutional Court in Harare arguing the election should be annulled because of widespread alleged illegalities and intimidation of voters.
Western governments have questioned the vote's credibility.
"We want a fresh election within 60 days. The prayer that we also seek is to declare the election null and void," MDC spokesman Douglas Mwonzora told journalists outside the court.
Zimbabwe's electoral commission announced last weekend that Mugabe, Africa's oldest leader at 89, beat Tsvangirai with just over 61 percent of the votes against his rival's nearly 34 percent. The outcome extends for five more years Mugabe's 33-year rule in the southern African state once known as Rhodesia.
Zimbabwe's constitution says the court must rule on the case within 14 days. Analysts predict the MDC legal challenge is unlikely to prosper because they say Mugabe's ZANU-PF party dominates the judiciary and state institutions.
Mwonzora said the MDC was also preparing a legal challenge against the two-thirds majority in parliament won by ZANU-PF.
"Some High Court judges could back up MDC claims to seats in specific constituencies, but ZANU-PF's control of the Zimbabwe Electoral Commission and the Constitutional Court make any re-run very unlikely," Mark Rosenberg, senior Africa analyst for the Eurasia Group, wrote in a briefing note this week.
Another defeated presidential contender, Welshman Ncube, called the MDC challenge futile.
Tsvangirai was not present in court and the filing of the papers was a low-key event, with no public demonstration by MDC followers to back it. There was no visible police presence, but workers and soldiers peeped out through windows from the Zimbabwe Defence Forces headquarters across the road.
ZANU-PF has denied any vote-rigging in the election, which Tsvangirai, who had served as Mugabe's prime minister in a fractious unity government, has dismissed as a "huge fraud" and a "coup by ballot".
"The person on trial here is not the MDC but Mr. Mugabe. Zimbabweans expect nothing but justice," Mwonzora said.
Mugabe will be sworn in only after the case is decided.
While election observers from the African Union and the Southern African Development Community (SADC) broadly approved the presidential and parliamentary elections as orderly and free, the vote has been met with serious scepticism from the West.
The United States, which maintains sanctions against Mugabe, has said it does not believe his re-election was credible. The European Union, which has been looking at easing sanctions, has also expressed concerns over alleged serious flaws in the vote.
In its arguments to the court seeking a re-run and detailing irregularities in the July 31 vote, the MDC alleged hundreds of thousands of voters were turned away, and that the voters' roll was flawed, containing at least 870,000 duplicated names.
In its assessment, Zimbabwe's leading domestic observers' body, the Zimbabwe Election Support Network (ZESN), had already called the election "seriously compromised", saying registration flaws may have disenfranchised up to a million people.
ZESN also cast doubt on the authenticity of the voters' roll, noting that 99.97 percent of voters in the countryside - Mugabe's main source of support - were registered, against just 67.94 percent in the mostly pro-Tsvangirai urban areas.
Ncube, leader of a smaller MDC faction who won only about three percent of the presidential vote, said he would not be bothering to challenge the election outcome.
He argued that the Constitutional Court had already shown its pro-Mugabe political colours when last month it rejected a bid to postpone the July 31 election date. Regional diplomatic grouping SADC had requested a postponement, arguing that this would allow more time to better prepare for a credible poll.
"The futility of going to the courts must be read with the Constitutional Court ruling, which led to the frog marching of Zimbabweans into an election for which ZEC (the Zimbabwe Electoral Commission) were ill prepared to run," Ncube said.
"Taking this matter to court will be akin to going to Robert Mugabe and asking him to reverse his 'victory'," Ncube said.
Mugabe, a former liberation fighter who has ruled Zimbabwe since he won 1980 elections that ended white minority rule, has rejected Western criticism of his re-election.
(Additional reporting by Cris Chinaka; Writing by Stella Mapenzauswa and Pascal Fletcher; Editing by Pascal Fletcher and Michael Roddy)


text:
FIFA 17 4-4-2 (2) Formation Guide for Ultimate Team
Players must be looking for what formation will suit their play styles. In this page, the 4-2-2 (with two CDMs) formation guide will be given to instruct players who are confident in attacking but less in defending as it allows more cover for the defense.
This formation is a good one for players that want to counter the oppositions chipped through balls, the 2 CDMs give good cover in front of the defence and if chosen well should be able to close down any of the opposition looking to play in their strikers. Having 2 CDMs will mean that the space for CFs and CAMs will be minimal, allowing you to mark them out of the game for more effectively. But the formation also gets the disadvantage. With no attacking central midfielders, your attacking play will most likely be limited to long balls forward or wing play. So it has to mention that as you will be most likely attack down the wing or playing a long ball forward it is essential that at least one of the stikers operates as a target man and can challenge.
By the way, game players also need to put the right players for this formation. So here are player instructions:
For keeper is irrelevent particularly with this formation, just pick the best keeper you can afford. It's better to choose with high handling (+83), because that will minimalize the rebounds.
In terms of LB and RB, they need to stay back while attacking. That means they need to be fast enough to beat the flank. So H/M or H/H are the perfect work rates.
For CBs, the passes they will give are extremely easy. At least one defender with higher defensive work rates than attacking work rates is neccesary. M/H or even L/H are perfect.
CDM is a very important position. You need two best players when it comes to physicality and defending stats while they are able to give a decent pass as well.
Dribbling, acceleration and passing are vital attributes which RM and LM should possess. If you like using some skills, so at least 4 stars is needed then. Regarding work rates: their attacking 'WR' must be higher than their defensive WR, otherwise they will have a chat with your wingbacks while you need them further down the pitch.
A striker who's only job is to get behind the opponents defence. So pace (+85) and dribbling (+80) are vital attributes.
Then it comes to the custom tactic the formation applies:
Build up play
Speed: 48
Passing: 36
Positioning: Organised
Chance creation:
Passing: 49
Shooting: 49
Crossing: 49
Positioning: Free form
Pressure: 39
Aggression: 44
Team Width: 52
Defender line: Cover
There are two points you shall bear in mind. First, always be patient; second, don't pressure with your CDM's in transition because that will leave a gap between the midfield and defence in the centre (the most important part of the pitch).
Have fun with your game. If you want cheap FIFA 17 coins, you can take a view at our website as we have a big promotion on Halloween for our loyal customers. Up to 15% discount for our products, with the code from our email or live chat service. Extra 5% discount with the coupon code "halloween". If it's your first time to buy, more than $20 for our products will gain you access to the coupon code from our email. If not, connect us on live chat. The promotion is just available on Halloween!


text:
Reports and Intelligence is an online library for research reports in numerous sectors and their verticals. This is the one stop destination for well researched reports with exact market analysis.
We have a well known clientele lists who are master in preparing research reports. We make sure that all our clients adopt a rational and scientific approach in order to sell their reports on our webs tie. Thus, every report that we sell are well studied and based on accurate facts and figures.
We act as single point of contact for market, business and investment related inquires and information, help managerial level personnel to make decision based on latest reports and analysis; which will prove to be beneficial for their growth. Hence, all the reports which we sell are competent enough to help your goals reach its destination.
We know exactly how market works and where are new opportunities, hence we make sure to publish research on topics that is currently in vouge and has immense scope for growth. Research reports that we publish will provide with all the required information of the particular market.
Our service is very efficient and makes sure that users have a pleasing experience with us. This is because we understand your concern and wish to placate your needs every time you contact us. Customer satisfaction is our top most priority and we feel that our brand value depends on customer satisfaction. Hence, we always strive to achieve excellence in order to give you best service in the market. We always wish to add value to our users. And, also, we provide 24/7 offline support just to make sure that our user's queries are addressed with immediate effect.
With comprehensive information about our authors and their reports on various sectors, we can help you to locate your needs and work towards them by taking important decisions. Such decisions based on our information will help you great deal to make your investment and business decision fruitful.
Our staffs have great expertise and are adept at handling the needs. Apart from managing reports for our users, our team also helps them by providing them with all the relevant information and all market trends.
We know that actions speak more than words and so, we deliver what others will promise. We have our own standards where we want to exceed your expectations and we make sure that we always do.
Press Media
Copyright ©2018 Reportsandintelligence All Rights Reserved


text: How this woman lost 160 pounds in 2 years by following 5 steps Click Here to Follow Me on Facebook Click Here to Follow Me on Twitter Click Here to Get Your FREE Report for The Fast & Easy Way to Shred Fat Now Without Exercise! As Erica Lugo sat on the couch, her then 3-year-old son Connor gazed at her and asked her to sit on the floor to play with him. "No," she immediately said. The reason? Lugo felt too tired to get off the couch. As sad as it was at the time, that "no" sparked a realization. Click Here to read this story. If you are interested in starting a Weight Loss Diet, Click Here


text:
If you've been struggling with debt over the last few months, then this article is for you. So many people across the country suffer their debts without seeking the right assistance; they seem to believe that their situation is hopeless. If things get bad enough, then they may seek "solutions" that will only make things worse.
If someone were to say to you that you could be debt-free within a year, then you may not believe them. Of course, not everyone who makes this claim to you is trying to help; they may be pretending to offer some sort of magic solution in order to take advantage of you and your situation. But it may be a lot more feasible than you realize; it just requires you to be proactive in your financial strategy.
We're going to take a look through some of the best financial steps that you can take in order to help relieve a massive portion of your debt in less time than you might think.
Get professional advice
No, this blog post doesn't exactly count. There's some useful advice in here for sure, but you can't exactly ask this article questions and get personalized responses; it's a completely static object! If you want to stop stressful debt collection calls, sometimes the best thing to do is seek the help of a personal finance professional. Yes, it's true that they're not free, which makes this advice seem, at first, a little odd. Surely spending more money isn't going to get you out of debt? But this isn't exactly true; the best ways of getting out of debt often aren't free.
This being said, you need to be very careful around professionals who seem to be offering some sort of magical solution. The best personal finance professional is someone who will be honest with you and your situation. But the key term to remember there is your situation; getting direct help with your unique situation can often be better than reading catch-all advice.
Apply for debt consolidation
Debt consolidation is a means of clumping all your credit together into one affordable monthly payment. The level of that payment is partly down to you. Whichever company you use, they will look at your finances and suggest a payment quantity. If you would like to increase the amount you pay to ensure your debts are cleared in under one year, you just have to let the specialist know.
Make sure you don't agree to anything you can't afford though as you could end up in more trouble than you're in at the moment! This is definitely something you should look into if you have more than one line of debt to worry about. It's not a free option, of course, but it can be tremendously helpful if your current situation is becoming unbearable.
Start investing the money you have
While some investments can be a little like gambling, you could make a lot of money if you choose safe solutions where the odds are tipped in your favor. The stock market, for instance, is a brilliant place to make a huge profit. You don't even need to understand how it works thanks to specialist companies that offer brokering advice.
Just make sure you research any brokerage firm you consider using and read reviews from previous clients. Contrary to popular belief, they're not all like the scoundrels you may have seen in The Wolf of Wall Street - but there are certainly some brokers who are better behaved than others!
Downsize your home
Owning a five-bedroom home might have been a good idea when you're children were small. However, it could be sensible for you to downsize now they've grown and flown the nest. (Besides, you probably need an excuse to declutter and reduce the amount of possessions you have, right?) Downsizing your home could result if you having a huge lump sum hit the bank. That money could be used to pay off any creditors you have in a matter of days!
Unfortunately, it's not something that a lot of families consider simply because moving out of home is such a complex process - and, of course, it can also be an expensive process in itself! But it can save you an awful lot of money within the space of just a few months if you're living in a much bigger property than what you really need.
Debt can weigh heavily on you, and it's a weight you should get off of your shoulders as soon as possible. Take these steps and see what a difference it can make to your financial situation.
Facebook | Twitter | Bloglovin' | Pinterest | Instagram


text:
Luna's Photo Calendar 2017
by Luna
Created on: Jan-30-2017 Published on: Jan-30-2017
8.5" x 8.5" - Case w/Laminate - Hardcover - Color - Photo Book
Theme: Calendar Sales Term: Everyone
28 pages 161 reads 0 people's favorite 0 likes
Add as a Favorite Like it
List Price: $26.36
Share with Friends
You can email the book link to your family and friends so that they can click the link in the email to read or buy the book even if the book is a private one. You can also post the link to facebook, twitter or pinterest.
Author Profile
Joined: Jan-30-2017
More Books From this Author:
Author's Personal Bookstore
Author Bio


text:
Comments on this Resource
More from Joanne J. Jung
Heart Lectures 1 & 2
from BBST 103: Biblical Interpretation & Spiritual Formation
18:27 — February 16, 2011
Heart Lectures 1 & 2
Dr. Joanne Jung confronts the "sanctification gap" that often exists between the knowledge of the mind and the longings of the heart. By using the Parable of the Sower, Dr. Jung demonstrates the ne...
Changing the Heart: Thought and Action
from BBST 103: Biblical Interpretation & Spiritual Formation
16:50 — February 23, 2011
Changing the Heart: Thought and Action
Dr. Joanne Jung discusses the vital process of transformation, which only takes place in a heart that is consistently exposed to truth. This transformation, as Jung explains, is directly connected ...
Jingles, Jesus, & Bartimaeus
from The Good Book Blog
June 7, 2011
Jingles, Jesus, & Bartimaeus
Pop Quiz. Identify the correct company to which these advertising jingles are associated: "You deserve a break today" "Have it your way" Fascinating how advertising agencies craft a need for a p...
More From Ruby Women
The Light of Christmas
31:18 — November 26, 2013
The Light of Christmas
No description available
Living Your Legacy in Finance, Family, and the Future
from Faith, Family and Finances
9:15 — January 30, 2013
Living Your Legacy in Finance, Family, and the Future
Judy Ten Elshof considers the story of Esther to understand how she perceived legacy. Elshof explains that Esther surrendered entirely to the legacy of God and urges her audience to do the same.
Leaving a Legacy
from Faith, Family and Finances
by Pamela Pugh
12:36 — January 30, 2013
Leaving a Legacy
Pamela Pugh considers the unique impact that women are positioned to have on the world and explains that they have been gifted to bring unity, charity, and wisdom to society. Pugh goes on to show t...
New Creation in Christ
from The Good Book Blog
June 4, 2012
New Creation in Christ
The biblical story, from beginning to end, can rightly be described as an epic of new creation. As its prologue opens with God's creation of heaven and earth, so its epilogue closes with the dramat...
The Personal Process of Worship
from Undergraduate Chapel: After Dark Spring 2013
by Mike Ahn
33:06 — February 27, 2013
The Personal Process of Worship
Michael Ahn, Assistant Director of Chapel Programs, discusses periods of consolation and desolation in the life of a Christian. He explains that periods of consolation are gifts from God that orien...
Father Heart of God
from Greater
by Mark Speeter
51:20 — March 11, 2015
Father Heart of God
We have the desire, even as adults, to be loved, affirmed, and protected. It is God's heart to love His creatures as a father does his child, not because of what the child can do, but simply becaus...


text:
Energize your earnings potential
Installing our solutions could lead to more potential savings through state and utility incentive programs. Our turnkey approach makes it easy to take advantage of these opportunities.
Make savings happen
Your energy reduction project will help decrease air pollution and environmental damage over the lifecycle of the product. We'll show you the numbers to prove it.
Sit back and relax
We'll schedule the required inspections and make sure your paperwork is accurately completed and filed. Just provide us with a few signatures – we'll take care of the rest.
Earn back your investment
Most customers don't even realize they already fund local utility incentives on their energy bill. Our solutions are your opportunity to earn back your investment.