CIBC Smart™ Account

Percy Penguin jumps for joy holding a phone with CIBC Mobile Banking

Enjoy worry-free banking

Get the new CIBC SmartTM 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.

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.