Starting January 1, 2027, we’re updating the CIBC Smart Account and account fees. Learn more about upcoming changes to the CIBC Smart Account and fees.

Tell us about yourself

As you interact with the following form inputs, your recommendations will be updated in the ”Your recommendations” section.

Skip to recommendations

Your recommendations

Tiered banking

Chequing account

CIBC Smart® Account

Bundle to earn up to $850ⓘ, ⓘ. Conditions apply.  

Banking that rewards every stage of life.

  • Three account tiers with features and benefits that unlock automatically as your eligible balances grow
  • Opportunities for annual fee rebates on an activeⓘ eligibleⓘ credit card
  • Unlimited transactionsⓘ, including Interac e-Transfer® transactionsⓘ

$16.95 (Effective January 1, 2027: $17.95) or $0 monthly fee for up to 3 accountsⓘ, ⓘ 
Get a monthly fee rebate with an end-of-day account balance of $4,000 each day of that month in one CIBC Smart Accountⓘ, ⓘ

Savings account

CIBC eAdvantage® Savings Account 

Get RDS%rate[3].CESA.Published(null,0.0_and over_0.0_CAD_Bonus,1,1)(#O2#)%ⓘ interest for 3 months. Limits apply. 

Save without the effort.

  • Regular interestⓘ on every dollar 
  • Smart Interest when you save $200 or more in a month, limits applyⓘ 
  • Automatic transfers with AutoSave

$0 monthly fee

Chequing account

CIBC Everyday® Chequing Account

A basic account with a low monthly fee.

  • 18 transactionsⓘ, ⓘ included monthly, $1.25 for each transaction over 18  
  • No fee for using Interac e-Transferⓘ, included in monthly fee
  • Our low-cost account commitment to Canadian consumers

$4.00 monthly fee

Tiered banking

Chequing offer — under 25

CIBC Smart® Start

Get $125ⓘ cash and 12 monthsⓘ of Skip+ for free. Conditions apply.

Get unlimited everyday banking.

  • No monthly fee until age 25ⓘ 
  • Unlimited transactionsⓘ, ⓘ 
  • Deals and discounts just for students

$0 monthly feeⓘ

Tiered banking

Chequing offer — over 25

CIBC Smart® for Students

Get $125ⓘ cash and 12 monthsⓘ of Skip+ for free. Conditions apply.

Unlimited everyday banking for full-time students graduating at age 25 and up.

  • No monthly fee while you’re in schoolⓘ 
  • Unlimited transactionsⓘ, ⓘ
  • Deals and discounts just for students

$0 monthly feeⓘ 

Tiered banking

Chequing account

CIBC Smart™ Account for Apprentices

No monthly fee for 24 months.ⓘ

Take advantage of perks for eligible skilled trades apprentices.

  • Unlimited transactionsⓘ, ⓘ 
  • Partner perks and discounts
  • Three account tiers with features and benefits that unlock automatically as your eligible balances grow

$0 monthly fee for 24 monthsⓘ

Tiered banking

Chequing account

CIBC Smart® Account for Newcomers

Pay no monthly fee for 2 years.ⓘ Plus, bundle to earn up to $600ⓘ  Conditions apply.

Start banking in Canada with the account designed for your new life.

  • Unlimited transactionsⓘ, including Interac e-Transfer®  transactionsⓘ
  • Send money internationally with CIBC Global Money Transfer™, ⓘ
  • Three account tiers with features and benefits that unlock automatically as your eligible balances grow

$0 monthly fee for 2 yearsⓘ

Tiered banking

Chequing account 

CIBC Smart® Account for Foreign Workers

Pay no monthly fee for 2 years.ⓘ Plus, bundle to earn up to $600ⓘ Conditions apply.

Live and bank in Canada with confidence. Get started in a few easy steps.

  • Unlimited transactionsⓘ, including Interac e-Transfer® transactionsⓘ
  • Send money internationally with CIBC Global Money Transfer™, ⓘ
  • Three account tiers with features and benefits that unlock automatically as your eligible balances grow

$0 monthly fee for 2 yearsⓘ

Tiered banking

Chequing account

CIBC Smart® Account

Bundle to earn up to $850ⓘ,ⓘ. Conditions apply. 

Over 65? Get extra perks with CIBC Smart™ for Seniors.

  • No monthly account feeⓘ
  • Unlimited transactionsⓘ  including Interac e-Transfer transactionsⓘ 
  • Three account tiers with features and benefits that unlock automatically as your eligible balances grow

$0 monthly feeⓘ

U.S. chequing account

CIBC Bank USA Smart Account™

Ideal for frequent travellers who live, travel, shop and work in the U.S.

  • No monthly fee
  • Unlimited transactionsⓘ
  • Free transfers to the U.S. with Zelle®, ⓘ

$0 monthly fee

Savings account

CIBC US$ Personal Account

Ideal for people who want to save and earn interest on U.S. funds.

  • No monthly fee 
  • Regular interest on every dollar savedⓘ 
  • No currency conversion for depositing and withdrawing U.S. funds

$0 monthly fee

Tiered banking

Banking that rewards every stage of life

Move through CIBC Smart Account tiers and get rewarded. You may be eligible for features and benefits including monthly account fee rebates and annual fee rebates on an activeⓘ eligibleⓘ credit card.