Get a bank account that does more for you


Pay no monthly fee when your balance is $3,000 or more, and you make a recurring direct deposit or 2 pre-authorized payments each month1.


This is your basic monthly fee and allows you to make up to 12 transactions. After that, it's $1.25 per transaction until you've made 20.


Once you've made 20 transactions, your fee is capped. When you reach this amount, you can make as many transactions2 as you like!

Learn more about Smart Account features and fees
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Your security comes first. It's simple: If you've been a victim of fraud, and you've met your responsibilities, we promise to return 100% of the money you've lost from your CIBC accounts. Learn more about privacy and security.

Why choose CIBC?

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Bank across all devices

Bank on the go like never before: on your desktop, smartphone, tablet or Apple Watch®.

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CIBC Global Money Transfer®

Send money to over 45 countries for $0 with Global Money Transfer8.
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Set alerts

Keep track of your transactions with optional SMS, email or Message Centre alerts.

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CIBC free credit score service

Get your credit score instantly. It's free for CIBC clients on the CIBC Mobile Banking® App9.

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Pay with your phone

Checkout and go with Android Pay™, Samsung Pay® and Apple Pay®. Just load your CIBC cards and pay.

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Beyond 9-to-5

We're here for you when you want expert help. Many locations are open late and on weekends. (Yes, Sundays too!)

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Download the app

Not the right account for you?

Here are a few more that could suit you better.