I think 15K could be worth more than that, if you're lucky. Not much, but maybe 2c/pt. I should not that I'm not going to bother chasing this promo. Though I might be tempted by TD's promo, if I weren't a customer -- which is ironic because the 1GB iPod Shuffle that TD is offering, is only 11500 Aeroplan points from FutureShop!

The $13 may not be waived, but note that TD requires a $5000 minimum balance to waive their $25 (and if you hit $4999.99 for even a day, you're out $25). I think TD gives you more for your $25 than CIBC does for $13. If CIBC offered to waive the $13 for a $5000 minimum balance, it wouldn't be worth it -- you could lock that $5000 in a GIC at 5% and earn $20/mo.

=aw