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Get a head start with CIBC
I currently live in Canada and have a Permanent Resident Card
Do I qualify?
Bank account
CIBC Smart™ Account for Newcomers
Special offer
Get $450ⓘ cash after you open a CIBC Smart Account as your first CIBC chequing account and complete the qualifying actions.
Monthly fee after your second year
Interac e-Transfer® transactions
Non-CIBC ATM withdrawals
Daily balance to avoid monthly fees
Transactionsⓘ
Welcome offer
CIBC Dividend Platinum® Visa* Card
Join and earn over $300 in value, including $50 bonus cash back and an annual fee rebate for 2 years for you and up to 3 authorized usersⓘ.
Annual fee
Each additional card (up to 3)
Interest rate
Why newcomers love CIBC
You can now tap your phone to pay for purchases up to $250 with Interac Debit at a growing list of retailers in Canada.
Use mobile or online banking to move your money in Canada with unlimited Interac e-Transfer transactions or internationally with CIBC Global Money Transfer™ⓘ.
Link your eligible CIBC debit card to enjoy exclusive savings and rewards with your Skip+ membership.
I currently live in Canada and have a Canadian Work Permit
Do I qualify?
Bank account
CIBC Smart™ Account for Newcomers
Special offer
Get $450ⓘ cash after you open a CIBC Smart Account as your first CIBC chequing account and complete the qualifying actions.
Monthly fee after your second year
Interac e-Transfer® transactions
Non-CIBC ATM withdrawals
Daily balance to avoid monthly fees
Transactionsⓘ
Welcome offer
CIBC Dividend Platinum® Visa* Card
Join and earn over $300 in value, including $50 bonus cash back and an annual fee rebate for 2 years for you and up to 3 authorized usersⓘ.
Annual fee
Each additional card (up to 3)
Interest rate
Why newcomers love CIBC
You can now tap your phone to pay for purchases up to $250 with Interac Debit at a growing list of retailers in Canada.
Use mobile or online banking to move your money in Canada with unlimited Interac e-Transfer transactions or internationally with CIBC Global Money Transfer™ⓘ.
Link your eligible CIBC debit card to enjoy exclusive savings and rewards with your Skip+ membership.
I am an international student studying in Canada
Do I qualify?
Student banking offer
CIBC Best Student Life Bundle
Digital exclusive offer
Students can apply online and earn up to $300ⓘ. Get no-monthly fee student banking with one easy application – includes a chequing account, savings account, a credit card and more.
More ways to save
- Get RDS%rate[3].CESA.Published(null,0.0_and over_0.0_CAD_Bonus,1,1)(#O2#)% interestⓘ for 3 months with your first CIBC eAdvantage® Savings Account. Limits apply.
- Enjoy a free SPC+ membershipⓘ to save up to 30% at top brands
Conditions apply. The Best Student Life Bundle is for Canadian and international students who don't already have a CIBC credit card or CIBC bank account.
Free student banking
CIBC SmartTM Start
Enjoy unlimited transactionsⓘ, keep track of your account and take control of your finances.
Monthly fee
Interac e-Transfer® transactions
Non-CIBC ATM withdrawals
Minimum balance to avoid fees
Transactionsⓘ
Continue to pay no monthly fee as long as you're an eligible client with the CIBC Smart Account for Students.
Why students love CIBC
Level up your savings with up to 30% off 450+ brands you love.ⓘ
Join Journie Rewards for free to save up to 10 cents per litre at participating Pioneer, Chevron and Ultramar gas stations.
Already a member? Just remember to open your new CIBC bank account, credit card or line of credit before December 31, 2024, to enter the contest.
You’ll be automatically entered for a chance to win $35,000. On January 9, 2025, a winner will be picked from active SLN members Opens a new window.. No purchase necessary.
Review the full contest rules (PDF, 160 KB) Opens a new window.
Frequently asked questions
