Connect CIBC to Mozaic — every CIBC account, alongside everything else.

CIBC Online Banking, via Plaid's OAuth integration

CIBC is one of the major Canadian banks with full Plaid OAuth support. When you pick CIBC inside Mozaic, a Plaid-managed popup loads cibc.com and you sign in with your CIBC card number (or username) and password the same way you would on CIBC Online Banking. If your CIBC profile has a security challenge enabled — a verification code by SMS, email, or voice call — that prompts inside CIBC's popup. The Mozaic app, the Mozaic backend, and Plaid never see your credentials.

After you authorise the connection, CIBC issues a read-only OAuth token to Plaid. Plaid forwards it to Mozaic, your accounts appear in the app within a minute, and a rolling sync schedule keeps them current. The token stays valid for roughly ninety days before CIBC requires you to reauthenticate — Mozaic surfaces an in-app reauth nudge ahead of expiry so the connection doesn't quietly fail.

Chequing, savings, the Costco Mastercard, mortgages — all of it

Mozaic reads every product CIBC exposes through Plaid. Deposit side: Smart Account, Everyday Chequing, Smart Plus, Student Banking, the eAdvantage Savings tiered-rate buckets, TFSA Tax Advantage Savings, the RRSP cash savings accounts, and the US$ Personal Account. Credit side: CIBC Aventura Visa Infinite, Aventura Privilege, Dividend Visa Infinite, the full Costco Mastercard family, Aeroplan Visa Infinite Privilege, and any business cards you hold on the same profile. Liabilities: CIBC Personal Line of Credit, Home Power Plan HELOC, and CIBC mortgages — each with current rate and principal-paid trend.

The Costco Mastercard is one of the things that makes CIBC distinctive in this list. Mozaic reads it as a regular Mastercard credit account through the CIBC connection — you don't sign in to "Costco" anywhere; the card is a CIBC product behind the scenes. Statements, minimum payments, and cashback dollars roll up the same as any other CIBC card.

The Costco card, Simplii separateness, and CIBC Investor's Edge

The CIBC Costco Mastercard sometimes gets miscategorised by other apps because it doesn't say "CIBC" on the front of the card. In Mozaic, it shows up as a CIBC credit account — which is what it is, contractually — and inherits the same connection as your other CIBC cards. There's no extra step to add it.

Simplii Financial is a separate institution. CIBC owns Simplii, but Simplii has its own sign-in at simplii.com and its own Plaid integration. If you hold both a CIBC and a Simplii account, you'll add them as two institutions in Mozaic — same composition into the net-worth line, just two separate connections under the hood.

CIBC Investor's Edge accounts are not part of this connection — and not part of any automated connection today. Investor's Edge lives on a different system from CIBC Online Banking, and neither Plaid nor SnapTrade currently exposes it for read-only data sync. If you hold positions at Investor's Edge you can still track them in Mozaic as manual assets — balances, holdings, and notes you update on your own cadence — so they sit beside the rest of your accounts in net worth and goals. The day brokerage coverage opens up we'll surface a one-click upgrade from the manual entry to the API-driven sync.

CIBC sits in a bigger picture once it's connected

CIBC is the fifth-largest Canadian bank by deposits, with a primary customer base that skews toward households with one or more CIBC-issued mortgages and credit cards. For a lot of Mozaic users it's the institution that holds the mortgage and the Aeroplan card, not necessarily the chequing where the paycheque lands. The point of connecting CIBC isn't to see your CIBC balance — CIBC Online Banking does that already. The point is to see CIBC alongside everything else: your Wealthsimple TFSA, your Investor's Edge RRSP as a manual asset, the US 401(k) you still hold. Mozaic composes them into one net-worth line in your reporting currency, narrates cash flow across the whole picture, and tracks goals against the accounts that fund them.

The institution is just the start of the story — the rest is what your money is doing across institutions.