Choose the path that fits your journey

Apprentices

Support for getting started, managing school and income, and building financial confidence early.

Trades professionals

Everyday banking and credit to help you manage income, balance life, and plan for what’s next.

Business owners

Banking built to support cash flow, invoicing, equipment purchases and growth.

More ways to support your journey

Take charge of your finances with our helpful banking guide

Still a trades student? 

Learn about banking perks available to students, including everyday accounts, credit cards and tools to help you manage money while you study.

Explore student banking options

Tiered banking

Move through CIBC Smart Account tiers as your balances grow and unlock benefits like monthly account fee rebates and annual fee rebates on an active eligible credit card.

Explore how account tiers work

Refer a friend

Know an apprentice or skilled trades professional who could benefit from everyday banking? Invite them to open a CIBC Smart Account and earn a cash reward when they qualify.

Refer now To refer a friend.

Smart advice for every stage of your career

Partner perks

Journie logo.

Save up to 10 cents per litre on gas

Link and use your CIBC card with Journie Rewards to save on gas at participating Pioneer, Fas Gas, Ultramar and Chevron locations.

SPC+ logo.

Enjoy a free SPC+ membership

Level up your savings with up to 30% off 450+ brands you love. From VIP contests to premium giveaways, SPC+ can help elevate your student experience.

Skip+ logo.

Start your 12-month Skip+ free trial

Link your eligible CIBC debit card with your Skip account to enjoy exclusive savings and rewards with your Skip+ membership.

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TurboTax

CIBC has teamed up with TurboTax to answer all your questions and connect you with a real tax expert. Get your maximum tax refund and access special offers by choosing between expert-assisted products and DIY solutions.

Celebrating our winners

Winner of the 2025 Build Your Future Contest

Frequently asked questions