What to love about the CIBC SmartTM Account

Free Interac e-Transfer® service

Enjoy unlimited transactions1

Keep track of your account

Free paperless record keeping

CIBC Smart Account debit card

Bank smarter with a flexible monthly fee

No worries — only pay for what you use

Starting at
 $

Capped at
$

 If you’re a Canadian resident age 65 or older, you get a $4.95 monthly fee discount. Learn moreabout CIBC Smart for Seniors

Monthly fee by number of transactions Learn about transactions. Opens in a pop-up window.



Amazon.ca Gift Card

Get a $100 Amazon.ca Gift Card

Plus, pay no monthly fee for up to 12 months when you open a new CIBC Smart™ Account.

Pay no monthly fees for up to 12 months

Step 1


Step 2


Pay no monthly fee for up to 12 months

Step 1

Step 2

Congrats! You get a fee rebate for the first 3 months — no minimum balance required.

Now get a fee rebate for the next 9 months. Each month, maintain the transactions you’ve set up in step 2 to qualify.

Want to keep paying no monthly fees?

Newcomer, student or foreign worker?