Get more for your money with our chequing accounts

Save on fees

Unlock monthly fee rebates on up to 3 CIBC Smart Accountsⓘ, ⓘ when you meet daily balance requirements or average monthly balanceⓘ requirements. Learn more about tiered banking.

Get digital access within minutesⓘ

Apply online and access your bank account instantly, plus add your debit card to your mobile wallet and start shopping the same day.

Save money with rewards and discounts

Get exclusive offers with our partners including Skip, Journie Rewards and Paymi.

Find the chequing account that’s right for you

Tiered banking

CIBC Smart™ Account

Get $500ⓘ cash. Conditions apply.

$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ⓘ, ⓘ

  • Three account tiers with features and benefits that unlock automatically as your eligible balances grow
  • Opportunities for annual fee rebates on an activeⓘ eligibleⓘ credit card
  • Unlimited transactionsⓘ, including Interac e-Transfer® transactionsⓘ
Learn more   about the CIBC Smart Account. Open an account Opens in a dialog.

Banking that rewards every stage of life

Learn more about tiered banking

Tier 1

in average monthly eligible balances  Learn about eligible balances. Opens in a dialog.

$16.95 monthly fee

Tier features and benefits:

  • Monthly fee for up to 3 accountsⓘ, ⓘ: $16.95 or $0, monthly fee rebated with an end-of-day account balance of $4,000 each day for that month in one CIBC Smart Account
  • Transactionsⓘ: Unlimited, including Interac e-Transfer transactionsⓘ
  • ATM fees: Fee for one non-CIBC ATM withdrawal in Canada is rebated each monthⓘ, ⓘ  

Tier 2

in average monthly eligible balances  Learn about eligible balances. Opens in a dialog.

$0 monthly fee

All Tier 1 features and benefits, and:

  • Monthly fee for up to 3 accountsⓘ, ⓘ: $0
  • Credit card annual fee rebate: Up to $50 for the primary cardholderⓘ
  • ATM fees: Fees for unlimited non-CIBC ATM withdrawals in Canada, the U.S. and internationally are rebated each monthⓘ

Tier 3

in average monthly eligible balances  Learn about eligible balances. Opens in a dialog.

$0 monthly fee

All Tier 1 and 2 features and benefits, and:

  • Credit card annual fee rebate: Up to $139 for the primary cardholderⓘ
  • CIBC Overdraft Protection Service: Monthly Fixed Feeⓘ is not applied on up to 3 CIBC Smart Accountsⓘ
  • Stop payments: Rebated for cheques and pre-authorized paymentsⓘ only

Get rewarded and save with our partners

Journie logo.
Save up to 10 cents per litre on gas with Journie.
Skip logo.

Get a 12-month Skip+ free trial when you link your CIBC credit or debit card.ⓘ

SPC+ logo.

Students can save on everyday purchases with a free SPC+ membership.ⓘ

Koodoo logo.

Newcomers and international students can get 30 days of free Canada-wide Koodo service with a CIBC account.ⓘ

Tiered banking

Chequing offer — under 25

CIBC Smart™ Start

Get $175ⓘ cash and 12 monthsⓘ of Skip+ for free. Conditions apply.

Get unlimited everyday banking.

  • No monthly fee until age 25ⓘ
  • Unlimited transactionsⓘ, ⓘ
  • Deals and discounts just for students

$0 monthly feeⓘ

Tiered banking

Chequing offer — over 25

CIBC Smart™ for Students

Get $175ⓘ cash and 12 monthsⓘ of Skip+ for free. Conditions apply.

Unlimited everyday banking for full-time students graduating at age 25 and up.

  • No monthly fee while you’re in schoolⓘ 
  • Unlimited transactionsⓘ, ⓘ
  • Deals and discounts just for students

$0 monthly feeⓘ

Tiered banking

Chequing account

CIBC Smart™ Account for Apprentices

No monthly fee for 24 months.ⓘ

Take advantage of perks for eligible skilled trades apprentices.

  • Unlimited transactionsⓘ, ⓘ
  • Partner perks and discounts
  • Three account tiers with features and benefits that unlock automatically as your eligible balances grow

$0 monthly fee for 24 monthsⓘ

Banking that rewards every stage of life

Learn more about tiered banking

Tier 1

in average monthly eligible balances  Learn about eligible balances. Opens in a dialog.

$16.95 monthly fee

Tier features and benefits:

  • Monthly fee for up to 3 accountsⓘ, ⓘ: $16.95 or $0, monthly fee rebated with an end-of-day account balance of $4,000 each day for that month in one CIBC Smart Account
  • Transactionsⓘ: Unlimited, including Interac e-Transfer transactionsⓘ
  • ATM fees: Fee for one non-CIBC ATM withdrawal in Canada is rebated each monthⓘ, ⓘ  

Tier 2

in average monthly eligible balances  Learn about eligible balances. Opens in a dialog.

$0 monthly fee

All Tier 1 features and benefits, and:

  • Monthly fee for up to 3 accountsⓘ, ⓘ: $0
  • Credit card annual fee rebate: Up to $50 for the primary cardholderⓘ
  • ATM fees: Fees for unlimited non-CIBC ATM withdrawals in Canada, the U.S. and internationally are rebated each monthⓘ

Tier 3

in average monthly eligible balances  Learn about eligible balances. Opens in a dialog.

$0 monthly fee

All Tier 1 and 2 features and benefits, and:

  • Credit card annual fee rebate: Up to $139 for the primary cardholderⓘ
  • CIBC Overdraft Protection Service: Monthly Fixed Feeⓘ is not applied on up to 3 CIBC Smart Accountsⓘ
  • Stop payments: Rebated for cheques and pre-authorized paymentsⓘ only

Get rewarded and save with our partners

Journie logo.
Save up to 10 cents per litre on gas with Journie.
Skip logo.

Get a 12-month Skip+ free trial when you link your CIBC credit or debit card.ⓘ

SPC+ logo.

Students can save on everyday purchases with a free SPC+ membership.ⓘ

Koodoo logo.

Newcomers and international students can get 30 days of free Canada-wide Koodo service with a CIBC account.ⓘ

Tiered banking

CIBC Smart™ Account for Newcomers

Pay no monthly fee for 2 years.ⓘ Plus, get $500ⓘ cash. Conditions apply.

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 as your eligible balances grow

$0 monthly fee for 2 yearsⓘ

Tiered banking

CIBC Smart™ Account for Foreign Workers

Pay no monthly fee for 2 years.ⓘ Plus, get $500ⓘ cash. Conditions apply.

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 as your eligible balances grow

$0 monthly fee for 2 yearsⓘ

Banking that rewards every stage of life

Learn more about tiered banking

Tier 1

in average monthly eligible balances  Learn about eligible balances. Opens in a dialog.

$16.95 monthly fee

Tier features and benefits:

  • Monthly fee for up to 3 accountsⓘ, ⓘ: $16.95 or $0, monthly fee rebated with an end-of-day account balance of $4,000 each day for that month in one CIBC Smart Account
  • Transactionsⓘ: Unlimited, including Interac e-Transfer transactionsⓘ
  • ATM fees: Fee for one non-CIBC ATM withdrawal in Canada is rebated each monthⓘ, ⓘ  

Tier 2

in average monthly eligible balances  Learn about eligible balances. Opens in a dialog.

$0 monthly fee

All Tier 1 features and benefits, and:

  • Monthly fee for up to 3 accountsⓘ, ⓘ: $0
  • Credit card annual fee rebate: Up to $50 for the primary cardholderⓘ
  • ATM fees: Fees for unlimited non-CIBC ATM withdrawals in Canada, the U.S. and internationally are rebated each monthⓘ

Tier 3

in average monthly eligible balances  Learn about eligible balances. Opens in a dialog.

$0 monthly fee

All Tier 1 and 2 features and benefits, and:

  • Credit card annual fee rebate: Up to $139 for the primary cardholderⓘ
  • CIBC Overdraft Protection Service: Monthly Fixed Feeⓘ is not applied on up to 3 CIBC Smart Accountsⓘ
  • Stop payments: Rebated for cheques and pre-authorized paymentsⓘ only

Get rewarded and save with our partners

Journie logo.
Save up to 10 cents per litre on gas with Journie.
Skip logo.

Get a 12-month Skip+ free trial when you link your CIBC credit or debit card.ⓘ

SPC+ logo.

Students can save on everyday purchases with a free SPC+ membership.ⓘ

Koodoo logo.

Newcomers and international students can get 30 days of free Canada-wide Koodo service with a CIBC account.ⓘ

Tiered banking

CIBC Smart™ Account

Get $500ⓘ cash. Conditions apply. 

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 as your eligible balances grow

$0 monthly feeⓘ

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ⓘ 

Banking that rewards every stage of life

Learn more about tiered banking

Tier 1

in average monthly eligible balances  Learn about eligible balances. Opens in a dialog.

$16.95 monthly fee

Tier features and benefits:

  • Monthly fee for up to 3 accountsⓘ, ⓘ: $16.95 or $0, monthly fee rebated with an end-of-day account balance of $4,000 each day for that month in one CIBC Smart Account
  • Transactionsⓘ: Unlimited, including Interac e-Transfer transactionsⓘ
  • ATM fees: Fee for one non-CIBC ATM withdrawal in Canada is rebated each monthⓘ, ⓘ  

Tier 2

in average monthly eligible balances  Learn about eligible balances. Opens in a dialog.

$0 monthly fee

All Tier 1 features and benefits, and:

  • Monthly fee for up to 3 accountsⓘ, ⓘ: $0
  • Credit card annual fee rebate: Up to $50 for the primary cardholderⓘ
  • ATM fees: Fees for unlimited non-CIBC ATM withdrawals in Canada, the U.S. and internationally are rebated each monthⓘ

Tier 3

in average monthly eligible balances  Learn about eligible balances. Opens in a dialog.

$0 monthly fee

All Tier 1 and 2 features and benefits, and:

  • Credit card annual fee rebate: Up to $139 for the primary cardholderⓘ
  • CIBC Overdraft Protection Service: Monthly Fixed Feeⓘ is not applied on up to 3 CIBC Smart Accountsⓘ
  • Stop payments: Rebated for cheques and pre-authorized paymentsⓘ only

Get rewarded and save with our partners

Journie logo.
Save up to 10 cents per litre on gas with Journie.
Skip logo.

Get a 12-month Skip+ free trial when you link your CIBC credit or debit card.ⓘ

SPC+ logo.

Students can save on everyday purchases with a free SPC+ membership.ⓘ

Koodoo logo.

Newcomers and international students can get 30 days of free Canada-wide Koodo service with a CIBC account.ⓘ

CIBC Everyday® Chequing Account

A basic account with a low monthly fee.

  • 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

$4.00 monthly fee

U.S. chequing account

CIBC Bank USA Smart Account™

Ideal for frequent travellers who live, travel, shop and work in the U.S.

  • No monthly fee
  • Unlimited transactionsⓘ
  • Free transfers to the U.S. with Zelle®, ⓘ

$0 monthly fee

Looking for something else?

Are you an RDSP beneficiary?

You may be eligible for a monthly fee rebate on your CIBC Smart Account. Learn more about the Registered Disability Savings Plan..

What is a CIBC chequing account?

Compare our different accounts

 

Open a chequing account online

Help and advice

Find the support you need

Discover answers to frequently asked questions or find the right number so we can support you.

Learn how to manage your banking

We have how-to guides for you. Check out what you can do on your computer, phone or tablet.

Understand how to save on account fees

Learn tips to ensure you find the right account, including options to help you reduce your everyday banking fees.

Resources

Additional service fees

Find my documents

Personal Account Service Fees (PDF, 210 KB) Opens a new window.

CIBC Personal Deposit Account Terms and Conditions (PDF, 515 KB) Opens a new window.

Your chequing account questions answered

Commitment on low-cost and no-cost accounts

We’re committed to providing access to modern basic banking services for certain groups at low cost or no cost. Our low cost account is the CIBC Everyday Chequing Account. We offer fee rebates on the CIBC Smart Account for the following groups: seniorsⓘ, youth and students under 25ⓘ, students age 25 and upⓘ, newcomersⓘ, foreign workersⓘ, RDSP beneficiaries and recipients of the Disability Tax Credit. Applies to all CIBC Smart Accounts, no minimum balance required.   

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