CIBC Smart™ Account

¹ A transaction includes cheques, withdrawals, transfers, pre-authorized payments, bill payments (including CIBC Credit Cards and CIBC Personal Lines of Credit) and debit purchases. For CIBC eAdvantage Savings Accounts, a transaction does not include transfers to your other CIBC bank account(s) using the transfer function on CIBC Online Banking^®, CIBC Mobile Banking^®, CIBC Telephone Banking and at CIBC ATMs. Additional fee(s) apply to withdrawals from non-CIBC ATMs, Interac e-Transfer transactions and transactions in foreign currency (including cheques written in currencies other than the account currency).

² The Interac e-Transfer fee is waived for CIBC Smart accounts. Each Interac e-Transfer you send counts as a transaction for calculating your monthly fee.

³ "Paperless" recordkeeping is a paper-free alternative to statements and bankbooks. This option enables customers to track account activity online or by phone or CIBC bank machine. Please note, no electronic statements will be sent to customers selecting this option. Customers must review their account transactions through CIBC Online or Mobile Banking, CIBC Telephone Banking or CIBC bank machines at least once every 30 days and examine all entries and balances at that time. If there are any errors, omissions or irregularities, customers must notify CIBC in writing within 60 days after the date on which the entry was, or should have been, posted to the account.

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