Chequing Accounts

Pay bills, send money, pay for purchases — it's all easy with a CIBC chequing account. Choose from 3 great accounts and apply in 5 minutes.


CIBC Smart™ Account

Digital exclusive offer

Get a $100 Gift Card and pay no monthly fee for up to 12 months when you open your first chequing account.


Free Interac e-Transfer® transactions3

Option for unlimited transactions4

Transactions2, 3: 12 to unlimited

Monthly fee: $4.95 to $14.95

Daily balance to avoid monthly fee4:


Plus, make a recurring direct deposit or 2 pre-authorized payments each month


CIBC Smart™ Plus Account

Digital exclusive offer

Get a $100 Gift Card when you open your first chequing account. Plus, enjoy all-in-one banking with over $500 in value.


Includes a premium CIBC credit card with annual fee rebates5

Unlimited transactions3 including Interac e-Transfer service6

Unlimited ATM cash withdrawals in Canada, the U.S. and internationally7

Transactions3: Unlimited

Monthly fee: $29.95

Daily balance to avoid monthly fee8:


Or $100,000 in savings and investments


Free paperless record keeping9

Tap-and-go payment using Android Pay™, Samsung Pay® and Apple Pay®

Transactions2, 3: 12 included

Monthly fee: $3.90, plus $1.25 for each additional transaction

Daily balance to avoid monthly fee: Not applicable

Bank online, on your phone, at a CIBC Banking Centre or use an ATM in our extensive network. Pay on the go using your Apple®, Google or Samsung® smartphone. 

Stop worrying about occasional cash shortfalls.

It’s fast and easy to get your payroll or other deposits directly into your account.

Link your Journie Rewards card to save on every fill-up at participating Chevron, Ultramar and Pioneer gas stations.

Learn moreabout Journie Rewards.

Forgot about that payment? With CIBC Smart Balance Alert™, we’ll text you so you can avoid a non-sufficient funds fee and a declined payment.

Learn more about Smart Balance Alert

How to

Pay with your phone

How to

Register for CIBC Mobile and Online Banking

How to

Send money with Interac e-Transfer®