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

CIBC Online Banking, connected through Plaid

When you pick CIBC inside Mozaic, Plaid Link opens a secure, encrypted screen where you enter your CIBC card number (or username) and password, the same credentials you'd use on CIBC Online Banking. If your CIBC profile uses two-step verification (a one-time code by SMS, email, or voice call), Plaid Link prompts you for it during setup, the same step you'd get signing in to CIBC online. Neither the Mozaic app nor the Mozaic backend ever sees your password.

Once you authorise the connection, Plaid returns a read-only access token to Mozaic, nothing more. Your accounts appear in the app within a minute, and a rolling sync schedule keeps them current. Canadian bank connections re-confirm access every few months (roughly ninety days), and Mozaic shows the reconnect prompt in-app ahead of time 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 login 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 Plaid connection. Investor's Edge lives on a different system from CIBC Online Banking, and Mozaic reaches it through SnapTrade rather than Plaid. The flow is similar (sign in at CIBC, authorise read-only), but the token is held by SnapTrade. Both integrations sit in your Mozaic accounts list and refresh independently.

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, 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.