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FEATURED ACCOUNT

CIBC Smart Account

Stop worrying about how much or how little you bank. Your monthly fee starts at $4.95 and is capped at $14.95 for unlimited transactions¹.

LIMITED TIME OFFER

Earn $300* when you open a CIBC Smart Account. Hurry, you only have until June 30.

A graph indicates the monthly fee for a Smart Account starts at $4.95 for up to 12 transactions, and is capped at $14.95 for unlimited transactions.

Unlimited Interac e-Transfer^® service is included so you can send money quickly and easily by email².

Your monthly fee is completely waived when you keep a minimum daily balance of $3,000, and you make a recurring direct deposit or 2 pre-authorized payments each month.

Keep track of how many transactions you’ve made with optional SMS, email or Message Centre alerts.

Open a Smart Account Learn more about the Smart Account

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Bank anywhere on your smartphone with the free, award-winning CIBC Mobile Banking^® App.

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Play video The Switch — Go paperless with eStatements and Alerts (1:02).

The Switch — Go paperless with eStatements and Alerts³ (1:02).

Read transcriptRead transcript for video The Switch — Go paperless with eStatements and Alerts.

Register for CIBC Mobile Banking® and CIBC Online Banking® (0:47).

Read transcriptRead transcript for video How to register for C I B C Mobile Banking and C I B C Online Banking.

Play video Send a CIBC Global Money Transfer (1:11).

Send a CIBC Global Money Transfer^{TM 4} (1:11).

Read transcriptRead transcript for video Send a C I B C Global Money Transfer.

Use CIBC eDeposit (0:31).

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Set alerts (0:32).

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* Offer begins on May 1, 2018 at 12:01 a.m. (ET) and ends on June 30, 2018 at 11:59 p.m (ET). Offer only open 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 a valid email address. Next, within 3 calendar months, you must set up and complete within the CIBC Smart Account at least one (1) eligible recurring direct deposit OR at least two (2) different eligible recurring pre-authorized debits within the same calendar month. Offer cannot be combined with any other offer, reward or rebate except the CIBC Homeowner^® Banking Bundle or the CIBC Smart™ Account fee waiver. The cash reward will be deposited into your CIBC Smart Account within 12-16 weeks of your completion of the required transactions. Other conditions apply. For full offer details, visit a CIBC Banking Centre or review the Terms and conditions (PDF, 110 KB) .

¹ 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. Other fees (in addition to any transaction fee) include: withdrawals from non-CIBC bank machines, Interac e-Transfer transactions (the Interac e-Transfer fee is waived for CIBC Smart Accounts, CIBC PremierService 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).

² The additional $1.50 service fee has been removed when sending money using Interac e-Transfer. Each Interac e-Transfer you send counts as a transaction for calculating your monthly fee.

³“Paperless” record-keeping is a paper-free alternative to printed statements. This option enables clients to track account activity online or by phone or CIBC bank machine. Please note, no printed statements will be sent to clients selecting this option. Clients must review their account transactions through CIBC Online Banking, CIBC Mobile Banking (where available), CIBC Telephone Banking or CIBC bank machines at least once every 30 days and examine all entries and balances at that time. If there are any errors, omissions or irregularities, clients must notify CIBC in writing within 60 days after the date on which the entry was, or should have been, posted to the account.

⁴Read the CIBC Global Money Transfer Agreement (PDF, 100KB) .

CIBC Smart Account is a trademark of CIBC. CIBC Cube Design and “Banking that fits your life.” are trademarks of CIBC.

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