CIBC Smart™ Account

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

Play video to learn about the Smart Account (1:31)

Transcriptfor video How the Smart Account adapts to your banking needs (1:31)

A woman and Percy Penguin practicing yoga

Bank a little or a lot? Enjoy a flexible monthly fee

Smartphone showing the CIBC Smart Account debit card

Special offer

Get a $100 Amazon.ca Gift Card^◊

Plus, pay no monthly fee for up to 12 months^† when you open a new Smart Account.

Learn about this offer

Pay a smart monthly fee that adjusts to you

Starting at

$4.95

Capped at
$14.95

Monthly fee by number of transactions^{1, 2}

Up to 12

$4.95

13 to 20

(additional $1.25 each)

Unlimited

$14.95

Pay no monthly fee

It's waived when your daily balance is $3,000 or more, and you make a recurring direct deposit or 2 pre-authorized payments each month.³

CIBC Smart Account at a glance

Monthly fee

Daily balance to avoid monthly fee⁴

^$4.95 to ^$14.95

^$3,000

plus a recurring direct deposit Learn about recurring direct deposit. Opens a popup. or 2 pre-authorized payments each month Learn about pre-authorized payments. Opens a popup.

Interac e-Transfer^®transactions

Transactions

Free⁵

12 to unlimited

depending on your needs

Fees and details

How do I qualify?

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.

Are you a student, newcomer or foreign worker?

Learn about CIBC Smart Account offers for studentsOpens a new window in your browser., newcomersOpens a new window in your browser. and foreign workers

CIBC Smart^TM for Seniors:

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

Apply now

Learn how to switch to CIBC

Get a bank account that does more for you

Free Interac e-Transfer transactions

Save the $1.50 fee when you send and request transfers online or on your phone. Interac e-Transfer transactions count towards your total transactions.

Learn how to send money with Interac e-Transfer

Person paying for food with a smartphone

Pay how you like

Checkout and go with our digital payment and mobile wallet options, including Visa Checkout*, Google Pay^TM, Apple Pay® and Samsung Pay®.

Find a way to pay that suits you

Keep track of your account

Set up SMS, email or Message Centre alerts and choose what account activity to follow. Get a notification when your monthly fee reaches $4.95, $9.95 and $14.95. Receive reminders about bills, payments and more.

Learn how to set alerts

Free paperless record keeping⁶

Save on record-keeping fees and avoid the paper clutter when you sign up for eStatements.

Learn how to switch to eStatements

Help and advice

Lost, stolen or damaged cards

1-800-663-4575
(Canada and U.S.)

514-861-9898
(Elsewhere)

Report fraud

1-800-465-2422
(Canada and U.S.)

902-420-2422
(Elsewhere)

Learn how to make your banking safer

Resources

Banking how-to guides

Find my documents

Hands using a smartphone to photograph a cheque

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?

Top credit card questions Opens a new window in your browser.

Need to talk?

Get in touch. We're here to help

Meet with usOpens a new window in your browser.

Contact usOpens a new window in your browser.

Call usOpens a new window in your browser.

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

CIBC Smart™ Account

Bank a little or a lot? Enjoy a flexible monthly fee

Special offer

Pay a smart monthly fee that adjusts to you

Pay no monthly fee

CIBC Smart Account at a glance

Monthly fee

Daily balance to avoid monthly fee4

Interac e-Transfer® transactions

Transactions

How do I qualify?

CIBC Smart Account:

Are you a student, newcomer or foreign worker?

CIBC SmartTM for Seniors:

Get a bank account that does more for you

Free Interac e-Transfer transactions

Pay how you like

Keep track of your account

Free paperless record keeping6

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

Need to talk?

Daily balance to avoid monthly fee⁴

Interac e-Transfer^®transactions

CIBC Smart^TM for Seniors:

Free paperless record keeping⁶

Use CIBC eDeposit^®