Private Banking Solutions

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Tailored strategies for every step of your life

CIBC is pleased to offer a full complement of private banking solutions, with deep expertise in developing sophisticated lending and deposit strategies to meet the needs of affluent clients.

As we develop a holistic wealth plan to complete your financial picture, we will consider a broad range of strategies, including private banking solutions with the following potential benefits:

Marketable secured lines of credit

Establish liquidity lines of credit secured by an investment portfolio to provide flexible, efficient access to capital; typically can be set up with no up-front fee and only carries an interest charge against the drawn amount


Provide access to liquidity for either planned purchases or unforeseen, opportunistic events, allowing clients to carry less cash on their personal balance sheets and avoid unplanned liquidations of portions of their investment portfolio.

Tailored lending

Leverage the expertise of experienced private bankers to secure a range of customized lending solutions, whether borrowing needs are straight-forward or complex


Provides financing for the purchase of an airplane, yacht, art collection, or commercial real estate; leverages illiquid assets such as business interests.

Residential real estate

Secure fixed and adjustable rate mortgages, Home Equity Lines of Credit (HELOC) and Home Equity Loans (HELO)


Offers financing of primary residence or vacation properties, access to a floating rate line of credit secured by a home with a Home Equity Line of Credit (HELOC), or the ability to lock in a fixed interest rate and a preset amortization schedule with a Home Equity Loan (HELO).

Deposit accounts

Manage both your personal and business liquidity needs with consumer checking and savings accounts and certificates of deposit (CDs), as well as business checking accounts and treasury management


Earn an attractive interest rate on cash with convenient and flexible online and mobile banking, including remote deposit capture for checks (via phone). No charge for ATM use and rebates for external ATM fees of up to $50/month available depending on account balances.


Serving financial needs

The private banking solutions can help serve our clients' financial needs in the following ways:

Marketable secured lines of credit

  • Pay tax obligations
  • Facilitate the down payment on a new home while waiting to sell an existing home or finance into a longer-term solution

Tailored lending

  • Secure a commercial mortgage to refinance an income-producing property held in an LLC
  • Establish custom lines of credit to finance the purchase of private company stock as part of a corporate recapitalization

Residential real estate

  • Finance purchase of new homes, primary or secondary
  • Fund remodel projects and related opportunities
  • Help rising generation family members purchase their first home and build a strong credit rating

Deposit accounts

  • Earn interest on proceeds from a liquidity event while an investment strategy is established and executed
  • Set up accounts for rising generation family members as part of teaching financial stewardship
  • Open business checking accounts and establish treasury management for family office needs


Daniel E. Sullivan Jr.

Head of Private Banking

"What I enjoy most about banking is working with individuals and families every day to provide options that make their lives easier. Whether we’re helping someone secure a mortgage to purchase a new home or establish a line of credit to take advantage of an opportunity in the marketplace, the ability to efficiently deliver creative, high-quality solutions is a critical component of our approach to wealth management. Of course, our focus is not only on delivering these solutions, but also on developing the client relationship—that’s what differentiates us from others in the industry, and what makes our business so rewarding." Contact Dan



CIBC At a Glance

CIBC Private Wealth is a division of CIBC, a 150-year-old Toronto-based global financial institution. CIBC Bank USA was founded in 1991 as The PrivateBank and joined CIBC in 2017. Together, we are dedicated to delivering exceptional performance and service with an ongoing focus on you and your best interests.


  • High-quality, middle-market commercial bank
  • Headquartered in Chicago
  • ~1,300 employees
  • 46 offices in 18 states

CIBC, Global Parent Company

  • Founded in 1867
  • ~46,000 employees
  • Recognized in 2016 as one of the top 10 safest banks in North America by Global Finance Magazine



CIBC placed 8 of 10 banks ranked in Global Finance magazine’s “Safest Banks in North America” list, published September 29, 2016. Banks were selected through an evaluation of long-term foreign currency ratings—from Moody’s, Standard & Poor’s and Fitch—and total assets of the 500 largest banks worldwide.