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Tiered banking
CIBC Smart™ Account
Banking that rewards every stage of life.
- Three account tiers with features and benefits that unlock automatically
- Opportunities for annual fee rebates on an activeⓘ eligibleⓘ credit card
- Unlimited transactionsⓘ, including Interac e-Transfer® transactionsⓘ
$16.95 or $0 monthly fee for up to 3 accountsⓘ, ⓘ
Get a monthly fee rebate with an end-of-day account balance of $4,000 each day of that month in one CIBC Smart Accountⓘ, ⓘ
Tiered banking
CIBC Smart™ Account for Newcomers
Start banking in Canada with the account designed for your new life.
- Unlimited transactionsⓘ, including Interac e-Transfer transactionsⓘ
- Send money internationally with CIBC Global Money Transfer™, ⓘ
- Three account tiers with features and benefits that unlock automatically
$0 monthly fee for 2 yearsⓘ
Tiered banking
CIBC Smart™ Account for Foreign Workers
Live and bank in Canada with confidence. Get started in a few easy steps.
- Unlimited transactionsⓘ, including Interac e-Transfer transactionsⓘ
- Send money internationally with CIBC Global Money Transfer™, ⓘ
- Three account tiers with features and benefits that unlock automatically
$0 monthly fee for 2 yearsⓘ
TIERED BANKING
CIBC Smart™ for Seniors with a CIBC Smart™ Account
Over 65? Get extra perks with CIBC Smart for Seniors.
- No monthly account feeⓘ
- Unlimited transactionsⓘ, including Interac e-Transfer transactionsⓘ
- Three account tiers with features and benefits that unlock automatically
$0 monthly feeⓘ
Basic account
CIBC Smart™ for Seniors with a CIBC Everyday® Chequing Account
A basic account with no monthly feeⓘ for seniors over 65.
- 18 transactionsⓘ, ⓘ included monthly, $1.25 for each transaction over 18
- No fee for using Interac e-Transferⓘ, included in monthly fee
- Our low-cost account commitment to Canadian consumers
$0 monthly feeⓘ
Compare savings accounts
High interest savings
CIBC eAdvantage® Savings Account
Save without the effort.
- Get RDS%rate[3].CESA.Published(null,0.0_and over_0.0_CAD_Bonus,1,1)(#O2#)%ⓘ interest for 3 months when you open your first account, limits apply
- Regular interestⓘ on every dollar
- Smart Interest when you save $200 or more in a month, limits applyⓘ
$0 monthly fee
U.S. dollar
CIBC US$ Personal Account
Ideal for people who want to save and earn interest on U.S. funds.
- Regular interest rateⓘ: RDS%rate[3].CUPA.Published(null,0.0_up to_2999.99_CAD_Balance,1,1)(#O2#)% to RDS%rate[3].CUPA.Published(null,60000.0_and over_0.0_CAD_Portion,1,1)(#O2#)%
- No currency conversion for depositing and withdrawing U.S. funds
- Withdraw U.S. funds from any CIBC Banking Centre or CIBC U.S. currency ATM in Canada
$0 monthly fee
Tax Free Savings Account
CIBC TFSA Tax Advantage Savings Account®
Get an account that gives you daily interest, tax-free.
- Interest rateⓘ: RDS%rate[4].TASATF.Published(null,5000.0_-_24999.99_CAD_Balance,1,1)(#O2#)%
- Access your money anytime
- Set up recurring deposits to grow your savings
$0 monthly feeⓘ
Registered retirement savings plan
CIBC RRSP Daily Interest Savings Account
Build your retirement savings with guaranteed principal and interest.
- Interest rateⓘ: RDS%rate[4].DISA.Published(null,5000.0_-_24999.99_CAD_Balance,1,1)(#O2#)% + %rate[4].DISA.Published(null,5000.0_-_24999.99_CAD_Bonus,1,1)(#O2#)%
- Easy access to your money
- Grow your savings faster with tiered interest
$0 monthly fee
U.S. dollar
CIBC US$ Personal Account for Seniors
Manage your U.S. funds with ease.
- Regular interest rateⓘ: RDS %rate[3].CUPA.Published(null,0.0_up to_2999.99_CAD_Balance,1,1)(#O2#)% to RDS%rate[3].CUPA.Published(null,60000.0_and over_0.0_CAD_Portion,1,1)(#O2#)%
- 2 free transactionsⓘ per month
- Free paper statements and paperless statementsⓘ
$0 monthly fee
Features of our bank accounts
Online and mobile banking
Manage your accounts the way you like with our award-winning CIBC Mobile Banking® App or CIBC Online Banking®.
Digital access within minutesⓘ
Apply online and access your bank account instantly. You can also add your debit card to your mobile wallet and start shopping on the first day.
Personalized insights
Manage your spending and grow your savings with help from CIBC Insights. Our mobile banking tool offers tailored tips based on your debit and credit card activity.
Your bank account questions answered
