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Bank account selector

Tell us how you bank and we'll recommend an account that's right for you. Our recommendations will change based on the information you provide. You can also compare bank accounts.

Tell us about yourself

Select all that apply to you:

I make cash withdrawals at non-CIBC ATMs

I use Interac e-Transfer® to send money by email

I'd like a premium CIBC credit card

Other options:

None

I'm a full-time student

I want to manage U.S. funds

What's your typical monthly balance?

Move the slider to the value. The minimum amount is $0 and the maximum amount is $99,999 or more. You can move the slider to increase or decrease the value by $6,667. You can also use Page Up and Page Down to decrease or increase the value by $6,667.

How many transactions do you normally make each month?

Move the slider to the value. The minimum amount is 0 and the maximum amount is 100 or more. You can move the slider to increase or decrease the value by 3. You can also use Page Up and Page Down to decrease or increase the value by 3.

How much in savings and investments do you have with us?

Move the slider to the value. The minimum amount is $0 and the maximum amount is $200,000 or more. You can move the slider to increase or decrease the value by $13,333. You can also use Page Up and Page Down to decrease or increase the value by $13,333.

How old are you?

0 to 18

19 to 64

65 and over

Your recommendations

¹ Entire monthly fee is waived if you maintain a minimum end of day balance of $4,000 each day. For details, review the CIBC Smart Account fee waiver terms and conditions, part of the Personal Account Service Fees (PDF, 210 KB) Opens in a new window..

² 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 in a new window..

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 In addition to any transaction fee. Sending money through Interac e-Transfer counts as a transaction. Maximum dollar amount applies for Interac e-Transfer transactions. For details, review the CIBC Interac e-Transfer Terms and Conditions (PDF, 300 KB) Opens in a new window..

⁵ 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 in a new window..

⁶ Regular interest (“Regular Interest”) is calculated daily at the current rate on each day’s full closing balance and paid monthly.

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 1-800-465-2422Opens your phone app, or come into your local CIBC branch today to open an account.

⁷ 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 when the balance is $3,000 or more. 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 Opens your phone app 1-800-465-2422, or come into your local CIBC branch today to open an account.

⁸ Any free or unused transactions cannot be carried forward for use in subsequent months.