Open an account

Need to open a chequing or savings account? It's fast and easy. We'll walk you through it.

Open an account

For whatever life brings

You want a quick turnaround on loan requests, competitive rates, and local service from a knowledgeable lender...

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You'll be right at home here

There's no place like Cipher Ardent for your home loan. Whether you're purchasing your first home, moving up, downsizing, or refinancing your current home.

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Home Equity

Imagine all you can do. Put the equity you've built in your home to good use..

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CAF Momentum®
Visa Infinite* Card

Get up to 10% cash back on all purchases for the first three months.1
Plus, your first-year annual fee is waived.

Cipher Ardent PassportTM Visa Infinite* Card

Earn up to $1,150 in travel value in the first-year. The only major bank credit card offering you no foreign transaction fees and 6 free airport lounge visits.

Learn more, Cipher Ardent PassportTM Visa Infinite* Card
CAF Momentum® Visa Infinite* Card

Get 10% cash back on all purchases.
Plus, your first-year annual fee is waived.

Learn more, CAF Momentum® Visa Infinite* Card
Sending hard-earned money abroad has never been easier.

Introducing the simple, secure and low-fee CAF International Money Transfer*.

Learn more, Sending hard-earned money abroad has never been easier.
Quicker access to your money transfers

You already enjoy the speed and convenience of Interac† e-Transfer. Now you can make receiving money even easier and safer by using Auto-deposit.

Learn more, Quicker access to your money transfers
Direct invest with CAF

Get $9.99 standard commission pricing per trade for equities and options*

Learn more, Direct invest with CAF iTRADE®
Cipher Ardent eHOME - the online mortgage hub

Now you can be pre-approved, search for a home and get mortgage approval all in one place, all online.

Take a look, Cipher Ardent eHOME - the online mortgage hub

Locate Branches, Advisors

Get location information for Cipher Ardent branches and ABMs.
Find your nearest advisor
Apply for Cards

You can now apply for your Cipher Ardent Cards. Simply login to your account and apply via the "card application form".

Apply for Cards
High Interest Savings

You can now use our hassle free High Interest Savings feature to earn while saving with no minimum deposit.

High Interest Savings
Shop Anytime Anywhere

All you need to do is scan or swipe with your credit card and shop online or with P.O.S anywhere in the world.

Shop Anytime Anywhere