Bank a lot? No worries with the CIBC Smart™ Account

Enjoy a flexible monthly fee that adjusts to you.

Is this right for me?

CIBC Premium™ Banking Bundle

Great for those who bank a lot

  • All-inclusive banking with the CIBC PremierService® Account: a flat monthly fee for unlimited transactions1, unlimited non-CIBC Interac® bank machine withdrawals in Canada and unlimited Interac e-Transfers®
  • Waived annual credit card fee on CIBC’s premium rewards cards
  • Choice of eligible savings accounts, to help you meet your short- and long-term goals
  • Security from temporary cash shortages, with CIBC Overdraft Protection Service
Save over$1502annually
You get:
  • A chequing account suite with a flat monthly fee
    Other account-related fees may apply
  • Savings account
    No monthly fee
    Other account-related fees may apply
  • CIBC Overdraft Protection Service Overdraft fee is waived;
    interest charges and overlimit fees apply
  • Choice of premium rewards credit card – we pick up the annual fee
  • No-fee bank drafts, travellers cheques, money orders and stop payments
Is this right for me?

CIBC Homeowner™ Banking Bundle

Great for those who need a mortgage or secured line of credit, and want to save even more on everyday banking

  • Choice of CIBC chequing account
  • Save more, with a monthly chequing account rebate, with 30-50% off the regular monthly fee, applied automatically for each month that you qualify**
Save up to 50%On your monthly
chequing account fee
You get:
Small Business Save over $1,000 with our CIBC Small Business Growth Package™
Newcomers Get free daily banking for a year
Students Get free transactions and no monthly fees

This offer is not available if you already receive a discount or rebate on your chequing account. This offer, including eligible participating products, may be changed or be cancelled at any time without notice

** Joint account holders must apply for the rebate; it will not be automatically applied.

1 A "transaction" includes cheques, withdrawals, transfers, pre-authorized payments, bill payments (including CIBC Credit Cards and CIBC Personal Lines of Credit), and debit purchases. For CIBC eAdvantage Savings Accounts, a transaction does not include transfers to your other CIBC bank account(s) using the transfer function on CIBC Online Banking®, CIBC Mobile Banking®, CIBC Telephone Banking and at CIBC ATMs. Additional fee(s) apply to withdrawals from non-CIBC bank machines, Interac e-Transfer® transactions (the Interac e-Transfer fee is waived for CIBC Smart Accounts) and transactions in foreign currency (including cheques written in currencies other than the account currency). These fees apply to all customers, including CIBC Advantage for Youth, CIBC Advantage for Students and CIBC 60 Plus Advantage customers.

2 Potential annual savings of over $150 is based on a comparison of the annual cost of the CIBC Premium Banking Bundle ($347) versus the total cost of individual fees associated with the following banking products and associated transaction costs when purchased and paid for separately over a period of one year ($518): (1) CIBC Smart™ Account [calculation factors in the maximum regular monthly account fee over the period of a year for this account]; CIBC Overdraft Protection Service ("COPS") (savings calculation is based on the total annual cost of waived monthly overdraft fees under the Monthly Fixed Fee option for COPS [as opposed to the Pay Per Use Fee option]; over limit fees, interest charges and other applicable charges apply depending on your use of COPS); one (1) set of cheques; one money order/draft; one (1) certified cheque service; waived annual fees for travel rewards credit card for the primary cardholder and one (1) authorized user; one (1) assisted stop payment; and the annual administration fee associated with CIBC Mutual Fund RRSP account. The amount you save will vary depending on whether you use the banking products (including associated transactions) and services as outlined above.