Enjoy worry-free banking

Get the new CIBC Smart Account and stop worrying about how much or how little you bank. Now you’ll only pay for what you use. Even if you make lots of everyday transactions, you won’t pay a lot, because your monthly fee is capped. Make as many debit purchases, Interac e-Transfers® and other transactions as you like. Your monthly fee starts at $4.95 and is capped at $14.951.

Here’s how it works:

Up to 12
everyday transactions1
monthly fee

Plus $1.25 for each transaction until you’ve made 20

everyday transactions1
capped monthly fee

Non-CIBC bank machine withdrawals are an additional $1.50 each plus transaction fee, if applicable.

Monthly fee is waived with a $3,000 minimum daily balance and a recurring direct deposit or 2 pre-authorized payments each month.

Bank anywhere, anytime, on any device

More on mobile

Take a picture and deposit a cheque. Use your phone to pay for coffee. Connect to your Apple Watch™. Our award-winning mobile banking apps  do all this and more.

Performance online

Track your spending, pay bills, transfer money – even set a savings goal for the future. CIBC Online Banking  has it all. And we’ve got the awards to prove it.

ATMs are nearby

We’ve got cash. Even U.S. cash. With almost 4,000 bank machines across Canada, you’re sure to find an ATM  close to you.

Make it personal

Bank evenings and weekends at many of our 1,100+ branches, or chat with an agent online. If you need to talk money, our advisors are available. Find a branch nearby.