Overview
Treasury Software’s ACH Universal fully supports CIBC (Canadian Imperial Bank of Commerce) Canadian EFT files using the CPA-005 1464-byte format. This guide walks you through how to properly configure your account to create CIBC-compliant Canadian Electronic Funds Transfer (EFT) files, including institution formatting, settlement account requirements, file naming conventions, and File Creation Number (FCN) handling.
Table of Contents
- CPA-005 & CIBC Format Overview
- Step-by-Step CIBC Canadian EFT Setup
- File Naming Requirements (CIBC-Specific)
- File Creation Number (FCN) Rules for CIBC
- Frequently Asked Questions (FAQs)
CPA-005 & CIBC Format Overview
CIBC uses the Canadian Payments Association (CPA) Standard 005, 1464-byte fixed-width EFT file format.
Key Points:
- Uses a 1464-byte CPA-005 format
- Requires a 9-digit institutional routing structure
- Uses different Origin IDs for credits vs debits
- May require a separate settlement account
For CIBC:
- Institution Number: 010
-
Routing format:
- 0 (constant)
- 010 (CIBC institution)
- 5-digit branch transit
-
Example:
- Branch transit = 22222
- Routing = 001022222
Step-by-Step: CIBC Canadian EFT File Setup
Step 1: Open Canadian EFT Settings
- From the Home tab, click Canada EFT Settings
- Check Activate Canadian format
Step 2: Select Canadian Imperial Bank of Commerce (CIBC)
- Select CIBC from the bank list
- Enter the Destination Data Centre (always begins with 010)
Step 3: Enter Company & Banking Information
Complete the following fields:
- Company information (as required)
- CIBC Account Number (7 digits)
- Institutional ID (9 digits total)
- Format:
- 0 + 010 + branch transit
- Format:
ACH Universal supports CIBC's 1464 byte file format.
Step 4: Settlement Account Setup
CIBC requires a settlement account, which extends beyond the standard CPA-005 format.
- Typically, use the same account and institution details as entered above
- If a different settlement account is required, enter it in the designated field
✅ Note:
- ACH Universal supports this requirement
- Only single settlement account setups are supported
Step 5: Save Configuration
- Do not modify the “Other Codes” section (pre-configured for CIBC)
- Click OK / Save Changes
File Naming Requirements (CIBC-Specific)
Format Structure:
| FTS submissions | SCA submissions | Example | |
| Client defined | Free form A-Z 0-9 | Free form A-Z 0-9 | ABCPayroll |
| CIBC File Type | CIBC1464 | 1464 | CIBC1464 |
| Flag (Production/Testing) | P or T | P or T | P |
| Extension | dat | dat | dat |
Example:
ABCPayroll.CIBC1464.P.dat
How to Set File Name:
- Go to:
Home → Create EFT Page → Change File Name / Location - Enter file name and click Save
File Creation Number (FCN) Rules for CIBC
CIBC uses a simplified FCN process.
Key Rules:
- FCN starts at 0100
- Automatically increments by +1 for each file
- No manual maintenance required
- No resetting or override needed
✅ ACH Universal automatically handles FCN generation
Frequently Asked Questions (FAQs)
1. Do I need separate Origin IDs for credits and debits?
Yes. CIBC assigns different Origin ID numbers for credit and debit transactions.
2. What if my file upload fails?
Verify that:
- The correct Origin ID is used (credit vs debit)
- File naming matches CIBC requirements
- Routing and account formatting are correct
3. Do I need to manage FCN sequencing manually?
No. CIBC’s FCN is fully automated within ACH Universal and requires no user intervention.
Need Help?
Still have questions? Contact Treasury Software Support or visit www.treasurysoftware.com for personalized assistance.
