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 a $400 Costco Shop Card


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? 

The only major Canadian bank that has a flexible account fee13

$400 Costco Shop Card offer

Offer details



Flexible monthly fee

$0 up to $16.95

  • Get a $400 Costco Shop Card when you open your first chequing account and complete the qualifying actions
  • Pay less, if you bank less1,2
  • Save more! Maintain a daily balance of $4,000 or more and pay no monthly fee3
  • Get digital access to your bank account4 and start banking within minutes

Our most PREMIUM


CIBC Smart™ Plus

All-in-one banking that rewards you

$400 Costco Shop Card offer

Offer details



Monthly fee

$0 or $29.95

  • No monthly fee5 when you maintain a daily balance of $6,000 or $100,000 in eligible savings and investments5
  • Pay no annual fee on select CIBC credit cards for the primary card holder6
  • Unlimited transactions2, including Interac e-Transfer® transactions7
  • Pay no CIBC fee at any ATM worldwide8
  • Includes overdraft protection at no additional cost9


CIBC Smart™ Start

Special $100 offer††

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

us based chequing account

CIBC Bank USA Smart Account™ Opens in a dialog. 

Bank as much as you want and enjoy no monthly fee for unlimited transactions.14

Ideal for frequent travellers who live, travel, shop and work in the US.15

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.

Couple sitting on the floor looking at paint samples

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