CIBC Smart™ Account

Limited time offer

Get 6 months^† of Disney+ on us!

Open your first CIBC Smart™ Account by October 16 and enjoy a 6-month rebated subscription. Auto-renews at $11.99 monthly thereafter — subject to change.

Learn how to qualify for the CIBC Smart Account offer.

Bank a little or a lot? Take advantage of a flexible monthly fee

Our most popular chequing account

Enjoy worry-free banking and only pay for what you use.

Pay a monthly fee that adjusts to you

$0² ^{up to} $16.95

Pay no monthly fee²

It's rebated if you meet the minimum daily balance requirement of $4,000 or more.²

An even lower monthly fee for Seniors

Get a discount of $6.95 on your monthly fee if you're 65 years or older

Monthly fee by number of transactions^{3, 4}

0 to Unlimited

$0² if minimum daily balance met

Up to 12

$6.95

13 to 20

additional $1.25 each

Unlimited

$16.95

Need a credit card too? Learn how you can receive a one-time annual fee rebate of up to $139 on eligible credit cards. ¹

CIBC Smart Account at a glance

More chequing account features

No transfer fee⁵ Interac e-Transfer® transactions that count towards your total transactions

One free non-CIBC ATM withdrawal per month in Canada⁶

Shop online and in-app using money directly from your CIBC Smart Account with Visa* Debit

Fees and details

How do I qualify for a CIBC Smart Account?

CIBC Smart Account:

You're a Canadian resident and you've reached the age of majority in your province or territory Learn about the age of majority. Opens a popup.
You're a Canadian resident age 25 and up

CIBC Smart™ Start:

You're a Canadian resident under age 25
Enjoy unlimited everyday banking until age 25.⁹
Learn about CIBC Smart Start.

Are you a student, newcomer or foreign worker?

Learn about CIBC Smart Account offers for students Opens a new window in your browser., newcomers and foreign workers

CIBC Smart™ for Seniors:

You're a Canadian resident age 65 or older.
Learn about CIBC Smart™ for Seniors

New feature

Get digital access within minutes¹⁰

Don’t wait. Apply online and access your bank account instantly to transfer funds, pay bills and more. You can also add your debit card to your mobile wallet and start shopping on the first day.

Open an account

Learn how to switch to CIBC

Get a bank account that does more for you

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

Get an alert before you're overdrawn

CIBC Smart Balance Alert™^{, 7} gives you a heads-up when your account is short on funds. That gives you time to make a transfer and avoid a non-sufficient funds (NSF) fee and a declined payment.

Learn more about CIBC Smart Balance Alert

Pay how you like

Checkout with our digital payment options, including Visa* Debit, Click to Pay^{^}, Google Pay™, Apple Pay® and Samsung Pay®.

Find a way to pay that suits you

Save up to 10 cents per litre on gas

Link your CIBC card with Journie Rewards to save on gas at participating Pioneer, Fas Gas, Ultramar and Chevron locations.

Learn more about Journie Rewards

Send money abroad

It's easy and secure, and the money will arrive in as little as one business day.⁸

Learn more about CIBC Global Money Transfer™

Use direct deposit

Have your paycheque or government payments deposited automatically into your account. Plus have full access to your money with no holds on funds.

Learn more about how to set up direct deposit.

Bank your way

Bank when, where and how you want with CIBC Online Banking® and our award-winning CIBC Mobile Banking® App. We deliver the access you expect with nearly 4,000 ATMs across Canada.

Pre-authorize your payments

Never miss a bill payment when you set up pre-authorized payments that are automatically debited from your chequing account.

Learn more about pre-authorized payments.

A CIBC chequing account lets you manage your money with ease

Take advantage of everything the CIBC Smart Account offers including flexible monthly fees, discounts for seniors and students, and tools to make banking easier.

Apply now

Help and advice

How to

Use CIBC eDeposit^®

Use your mobile device to deposit personal or business cheques.

Learn more

Advice

Save on bank account fees

^{Find the right product and learn how to reduce your everyday banking fees.}

Learn more

How to

Order foreign cash online

Avoid the last-minute trip planning rush. Choose from up to 65 currencies.

Learn more

Questions?

Get in touch

Meet with us

Call us

CIBC is a member of Canada Deposit Insurance Corporation (CDIC)

CIBC Smart™ Account

Get 6 months† of Disney+ on us!

Open your first CIBC Smart™ Account by October 16 and enjoy a 6-month rebated subscription. Auto-renews at $11.99 monthly thereafter — subject to change.

Bank a little or a lot? Take advantage of a flexible monthly fee

Our most popular chequing account

Pay a monthly fee that adjusts to you

Pay no monthly fee2

An even lower monthly fee for Seniors

Monthly fee by number of transactions3, 4

CIBC Smart Account at a glance

More chequing account features

How do I qualify for a CIBC Smart Account?

CIBC Smart Account:

CIBC Smart™ Start:

Are you a student, newcomer or foreign worker?

CIBC Smart™ for Seniors:

Get digital access within minutes10

Get a bank account that does more for you

Create healthier financial habits with CIBC Insights

Get an alert before you're overdrawn

Pay how you like

Save up to 10 cents per litre on gas

Send money abroad

Use direct deposit

Bank your way

Pre-authorize your payments

A CIBC chequing account lets you manage your money with ease

Help and advice

Lost, stolen or damaged cards

Report fraud

Resources

How to

Use CIBC eDeposit®

Advice

Save on bank account fees

How to

Order foreign cash online

Get in touch

Get 6 months^† of Disney+ on us!

Pay no monthly fee²

Monthly fee by number of transactions^{3, 4}

Get digital access within minutes¹⁰

Use CIBC eDeposit^®