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Starting July 1, 2021, we’re making changes to some bank accounts, services and fees. Learn more about the changes to some bank accounts, services and fees.
Personal banking
Bank Accounts
Special offer
Get $300† and pay no monthly fee for up to 12 months‡ with a CIBC Smart™ Account.
Bank your way
We offer the access you expect with top-ranked online and mobile banking, plus one of the largest ATM networks across Canada.
Sign up with ease
Apply for an account in 5 minutes — online, by phone or in person.
Enjoy great value
Get the most from your accounts with our great tips and expert guidance. We can help steer your finances in the right direction.
Find the best bank account for you
Our featured accounts
Chequing
CIBC Smart™ Account
Special offer
Get $300† and pay no monthly fee for up to 12 months‡ when you open your first chequing account.
Free Interac e-Transfer® transactions1
One free non-CIBC ATM withdrawal in Canada per month2
Monthly fee waiver available3
Monthly fee: $6.95 to $16.95
Transactions4, 5
Up to 12: $6.95
13 to 20: Additional $1.25 each
Unlimited: $16.95
Savings
CIBC eAdvantage®
Savings Account
Bonus rate
You could get a bonus rate when you open your first savings account. Apply in 5 minutes!
†† Limits apply.
Free online transfers between your CIBC personal bank accounts
Monthly fee: $0
Interest rate: RDS%rate[3].CESA.Published(null,0.0_up to_4999.99_CAD_Balance,1,1)(#O2#)% on every dollar6
Transactions4: $5.00 each
Chequing
CIBC Smart™ Plus
Account
Special offer
Get $300† when you open your first chequing account. Plus, enjoy all-in-one banking with over $700 in value.◊
Includes a premium CIBC credit card with annual fee rebates7,8
Unlimited transactions including Interac e-Transfer service9
Unlimited ATM cash withdrawals in Canada, the U.S. and internationally10
Monthly fee rebate available11
Monthly fee: $29.95
Transactions4: Unlimited
Save money with rewards and discounts
Link and use your CIBC card with Journie Rewards to save on gas at participating Chevron, Ultramar and Pioneer locations.
Start getting money back on your everyday purchases at top retailers with CIBC and Paymi.
Put away money for tuition and books by saving on everyday purchases. Get a free SPC membership as a CIBC student or youth client.
Automate your banking
Pre-authorized payments
Recurring fund transfers
Direct deposit
Create healthier financial habits with CIBC Insights
Manage your daily spending and grow your savings with help from CIBC Insights — a tool included in the CIBC Mobile Banking App® that offers tailored tips based on your debit and credit card activity.
Help and advice
Lost, stolen or damaged cards
1-800-663-4575Opens your phone app.
(Canada and U.S.)
514-861-9898Opens your phone app.
(Elsewhere)
Report fraud
1-800-465-2422Opens your phone app.
(Canada and U.S.)
902-420-2422Opens your phone app.
(Elsewhere)
How to
Order foreign cash online
How to
Open a joint account
How to
Send money with Interac e-Transfer®
Need to talk?
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