Chequing Accounts

Easily pay bills, send money and make payments with a CIBC chequing account

What is a CIBC chequing account?

A chequing account is a bank account used for everyday spending. Manage your finances and cash flow easily with one of our accounts.

Open a chequing account online

Open an account from the comfort of your home. Our online application is safe, secure and only takes a few minutes to complete.

Special chequing offer

Get $350


Your monthly fee is rebated when you meet the daily balance requirement with eligible accounts.1

Apply online and access your bank account instantly. You can also add your debit card to your mobile wallet and start shopping on the first day.

Forgot about that payment? CIBC Smart Balance Alert™, 2 helps you stay on top of your account.  

Save up to 10 cents per litre at participating Pioneer, Fas Gas, Ultramar and Chevron gas stations with Journie Rewards.

Our most popular


CIBC Smart™Account

Bank a little or a lot? Take advantage of a flexible monthly fee 

Special $350 offer

Open your first CIBC chequing account and complete the qualifying actions.

Offer details



Monthly fee

$0 up to $16.95


Pay no monthly fee1 with a daily balance of $4,000

Get unlimited transactions3, 4 including free Interac e-Transfer® transactions5

Enjoy one free non-CIBC ATM withdrawal in Canada6

Our most Deluxe


CIBC Smart™ Plus

All-in-one banking that rewards you for your business

Special $350 offer

Bonus: Pay no monthly fee for the first 3 months and enjoy full-service banking with over $1,000 in value when you open your first chequing account.

Offer details



Monthly fee

$0 or $29.95


Pay no monthly fee7 when you maintain an end-of-day balance of $6,000 each day during the month or $100,000 in eligible savings and investments7

Includes one eligible CIBC credit card with an annual fee rebate for the primary card holder and up to 3 authorized users8

Get unlimited transactions4, including free Interac e-Transfer® transactions9

Pay no CIBC fee for ATM withdrawals worldwide10

Includes CIBC Overdraft Protection Service11


CIBC Smart™ Start

Special $125 offer††

Get unlimited everyday banking and pay no monthly fees12 with CIBC Smart Start.

Want just the basics?

Learn about the CIBC Everyday® Chequing Account



Check out our benefits for these specialized accounts: 

Students   |   Seniors   |   New to Canada   |   Foreign workers

Still looking for the right fit? 

Bank account selectora CIBC bank account.

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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.

Learn about CIBC Insights

How to

Pay with your phone

How to

Register for CIBC Mobile and Online Banking

How to

Send money with Interac e-Transfer®

Your chequing account questions answered