◊ Offer begins on February 29, 2020, at 12:01 am ET and ends on June 30, 2020, at 11:59 pm ET. Offer available to Canadian residents who have reached the age of majority and who are not holders or joint holders of a CIBC chequing account. To qualify, open a CIBC Smart™ Account and provide your email address. Within 3 months of opening the account, set up and complete on a recurring basis each month at least one (1) eligible direct deposit OR at least two (2) different eligible pre-authorized debits. Offer cannot be combined with any other offer, reward or rebate unless otherwise indicated. The cash reward will be deposited into your account seven (7) months after you have completed the required transactions. Other conditions apply; visit a CIBC Banking Centre or review the terms and conditions (PDF, 135 KB) Opens a new window in your browser.
† Offer only open to Canadian residents who are not holders or joint holders of a CIBC chequing account.
To qualify, open a CIBC Smart Account and provide your email address. Within 3 months of opening the account, set up and complete on a recurring basis each month 1 eligible direct deposit OR 2 different eligible pre-authorized debits (each, a “Qualifying Action”). The monthly fee will be rebated for the month in which the account is opened and for the next 3 months.
If at least 1 Qualifying Action is completed each month for the subsequent 9 months following the first 3 months after the account was opened, the monthly account fee will be rebated for each month in which the Qualifying Action occurs. The monthly account fee will apply for each month where no Qualifying Action occurs and at the end of the offer period without further notice. Other service fees continue to apply as set out in the Personal Account Service Fees brochure (PDF, 680 KB) Opens a new window in your browser.
‡ Offer begins on February 29, 2020, at 12:01 am ET and ends on June 30, 2020, at 11:59 pm ET. Offer available to Canadian residents who have reached the age of majority and who aren’t holders or joint holders of a CIBC chequing account. To qualify, open a CIBC Smart™ Plus Account and provide your email address. Within 3 months of opening the account, set up and complete on a recurring basis each month at least one (1) eligible direct deposit or at least two (2) different eligible pre-authorized debits. Offer can’t be combined with any other offer unless otherwise indicated. The cash reward will be deposited into your account seven (7) months after you have completed the required transactions. Other conditions apply. For full offer details, visit a CIBC Banking Centre or review the CIBC Smart Plus Account Offer Terms and Conditions (PDF, 115 KB) Opens a new window in your browser..
◊◊ Value of $500 is based on the following, as of February 29, 2020: i) $179.40 ($14.95 per month) for unlimited transactions using a CIBC Smart™ Account; ii) $270 in annual fees for the CIBC Aventura® Visa Infinite* Card, which includes a $120 annual fee rebate for the primary cardholder and annual fee rebates for 3 additional authorized users ($50 for each authorized user); iii) $48 in value based on the inclusion of CIBC Overdraft Protection Service monthly fees ($4 per month); note that interest charges for overdraft amounts and overdraft overlimit fees apply; iv) $20 in value based on non-CIBC bank machine fees assuming 6 domestic, 1 U.S. and 1 international bank machine withdrawals in one year.
✦ For complete details, including the definition of the capitalized terms used in the disclosures, refer to the CIBC and Journie Rewards Program Terms and Conditions (PDF, 135 KB) Opens a new window in your browser..
To participate in this offer, you must have a CIBC Debit Card or Personal Credit Card (“CIBC Card”), excluding the CIBC U.S. Dollar Aventura® Gold Visa* Card, which is issued by Canadian Imperial Bank of Commerce.
A “Linked CIBC Card” means a CIBC Card that is linked to a Journie™ Rewards card.
You must be enrolled in CIBC Online Banking or the CIBC Mobile Banking® App in order to link your CIBC Card to your Journie™ Rewards card. Card linking may take up to two (2) business days to process before savings can be applied to purchases.
Each time you use your Linked CIBC Card to purchase any grade of gasoline or diesel, at any participating location, and present you Journie™ Rewards card, you will save three cents ($0.03) per litre at the time of the transaction. The maximum amount of fuel eligible for the three cents ($0.03) per litre discount is 100 litres per transaction.
Participating locations include select retail Chevron, Pioneer or Ultramar branded gas stations in Canada. For a full list of participating stations, visit Journie RewardsOpens a new window in your browser..
1 The additional $1.50 service fee is waived for sending Interac e-Transfer transactions. Each Interac e-Transfer transaction you send counts as a transaction for calculating your monthly fee. Maximum dollar amount applies for Interac e-Transfer transactions. For details, review the CIBC Interac e-Transfer Terms and Conditions (PDF, 300 KB) Opens a new window in your browser..
2 Entire monthly fee is rebated if you maintain a minimum end of day balance of $3,000 each day and a recurring direct deposit or 2 pre-authorized payments each month in this account. For details, review the CIBC Smart Account fee rebate terms and conditions, part of the Personal account service fees (PDF, 535 KB) Opens a new window in your browser..
3 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. For all accounts, transfers to CIBC-branded loans (excluding CIBC Personal Lines of Credit), mortgages and investments (registered and non-registered) are free. "CIBC-branded” means any brand that has CIBC in its name and is offered by CIBC or its Canadian affiliates (and does not include CIBC Bank USA). Other fees (in addition to any transaction fee) include: withdrawals from non-CIBC bank machines (rebated for CIBC Smart Plus Accounts except the 2.5% administration fee on the converted amount of foreign currency ATM withdrawals), wire payments, Interac e-Transfer transactions (the Interac e-Transfer fee is waived for CIBC Smart Accounts, CIBC Smart Plus Accounts and for clients who are enrolled in CIBC Advantage for Youth, CIBC Smart for Students, CIBC Smart for Seniors (on the CIBC Smart Account) and CIBC Advantage for Students (on the CIBC Everyday Chequing Account)) and transactions in foreign currency (including cheques written in currencies other than the account currency).
4 Any free or unused transactions cannot be carried forward for use in subsequent months.
5 Regular interest (“Regular Interest”) is calculated daily at the current rate on each day’s full closing balance and paid monthly. The regular interest rate is paid on the full daily closing balance.
Interest is credited to your account as of the last business day in the interest period. However, the interest cannot be withdrawn, and will not be printed at branch terminals or at CIBC's Bank Machines or made available through CIBC Telephone or Online Banking, until two business days after the end of the interest period.
Interest rates quoted are annual. Interest rates and balance tiers are subject to change without prior notice.
If you have any questions about our interest rates, call 1-800-465-2422, or come into your local CIBC branch today to open an account.
6 Subject to credit approval.
7 The rebate is also available for cardholders with the following CIBC cards no longer available for new clients: CIBC Aventura World Mastercard®, CIBC Aventura World Elite® Mastercard, CIBC Aerogold Visa and CIBC Gold Visa. The rebate is up to $120 on the annual fee for primary cardholder and $50 on the annual fee for up to 3 additional cards.
Terms and conditions apply. For details, review the CIBC Smart Plus Credit Card Annual Fee Rebate Terms and Conditions (PDF, 75 KB) Opens a new window in your browser..
8 The additional $1.50 service fee is waived for sending Interac e-Transfer transactions. Maximum dollar amount applies for Interac e-Transfer transactions. For details, review the CIBC Interac e-Transfer Terms and Conditions (PDF, 300 KB) Opens a new window in your browser..
9 Fees charged by other financial institutions or third parties for using their ATMs, and the 2.5% administration fee on the converted amount for foreign currency ATM withdrawals are not included in this feature and will be charged to your account. ATM withdrawal amounts may be limited to a maximum dollar withdrawal amount.
10 Flat monthly fee for unlimited everyday banking transactions, unlimited Interac e-Transfer transactions and ATM withdrawals. Entire monthly fee is rebated if you maintain a minimum balance at the end of each day of the month of $6,000 in your account or at least $100,000 in eligible Savings and Investments. Terms and conditions apply. For details, review the CIBC Smart Plus Account Fee Rebate Terms and Conditions (PDF, 90 KB) Opens a new window in your browser..
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