† Offer begins on August 7, 2024 at 12:01 a.m. (ET) and ends on October 31, 2024 at 11:59 p.m. (ET) (the “Offer Period”). Offer available to residents of Canada who:
(i) Are at or above the age of majority in their province or territory of residence, and
(ii) from 2021 to the time of opening the CIBC Smart™ Account (the “Account”), were not a holder (or joint holder) of a CIBC chequing account.
To qualify for up to a 6-month rebate of the monthly subscription fee (inclusive of taxes) for a Disney+ Standard (no ads) monthly plan (the “Disney+ Standard Plan”), eligible clients must complete the following steps:
(i) During the Offer Period, open an Account and provide us with a valid email address.
(ii) Within 1 calendar month after the month of opening your Account, sign up for the Disney+ Standard Plan on the Disney+ and CIBC offer landing page Opens in a new window. or on the Disney+ landing page Opens in a new window. and set up monthly payments using the CIBC Advantage Debit Card® linked to your Account.
(iii) Starting with your first monthly payment, pay for the Disney+ Standard Plan each month using the same CIBC Advantage Debit Card for a period of 6 consecutive months (the “Reward Period”).
The rebate will be credited directly to the qualifying Account within 30 days after the month in which the subscription fee is paid. If during the Reward Period, you cancel your Disney+ subscription or stop using your CIBC Advantage Debit Card to pay for the Disney+ Standard Plan, you will no longer qualify for the reward and will forfeit the right to any future rebates not already paid. At the end of the 6 month period, your Disney+ Standard Plan subscription will automatically renew at the then current monthly subscription fee (plus taxes, where applicable), unless you cancel your subscription earlier. Cancellation is effective at the end of the respective billing period. The Disney+ subscription is subject to the Disney+ Subscriber Agreement Opens in a new window., the Terms of Use for a MyDisney Account Opens in a new window. and The Walt Disney Company Privacy Policy and Supplemental Privacy Policy for Canada Opens in a new window.. The Disney+ monthly subscription purchase must be made directly on the Disney+ and CIBC landing page Opens in a new window. or the Disney+ landing page Opens in a new window.. Subscription purchases made through mobile apps, third party providers or platforms and transactions made with third party payment processors (e.g., PayPal) are excluded from this offer. Other conditions apply. Please review the full terms and conditions (PDF, 140 KB) Opens in a new window..
‡ Cash reward offer begins on June 25, 2024 at 12:01 a.m. ET The $400 new chequing account offer is open to residents of Canada who:
(i) are age 25 and older (if opening a CIBC Smart Account) or have reached the age of majority (if opening a CIBC Smart Plus Account),
(ii) from January 1, 2021 to the time of opening their CIBC Smart or CIBC Smart Plus, were not a holder of any CIBC chequing account as determined by CIBC on the basis of its official records, and
(iii) are not CIBC employees or retired employees.
To qualify for the $400 cash reward, open a CIBC Smart Account or CIBC Smart Plus Account and provide your email address. Within 2 months of opening the account, set up and execute 1 or more recurring direct deposit(s) in a minimum aggregate amount of $500 per month from your employer, government, or your pension and 1 of the following 3 activities:
(i) at least 2 separate recurring pre-authorized debits;
(ii) at least 5 eligible Visa Debit purchases; or
(iii) at least 2 online bill payments of at least $50 each.
The direct deposit(s) and the pre-authorized debits must recur either weekly, biweekly, monthly or twice per month and remain in effect for at least one (1) year from after the month that the CIBC Smart Account or CIBC Smart Plus Account was opened. Unless otherwise indicated, this offer cannot be combined with any other chequing account offer, rebate, reward, or the CIBC Smart Start or CIBC Smart for Students benefit on the CIBC Smart Account.
The $200 new eSA offer is open to residents of Canada:
(i) who have reached the age of majority in their province or territory of residence,
(ii) from January 1, 2021 to the time of opening their eSA, were not a holder of an eSA as determined by CIBC on the basis of its official records, and
(iii) are not CIBC employees or retired employees.
To qualify for the $200 cash reward offer, you must complete all steps required to receive the $400 chequing account offer and open your first eSA within the same month you open your chequing account. By the end of the second calendar month after the month you open your eSA, you must establish a minimum closing balance of $10,000 in your eSA, and maintain that daily closing balance of at least $10,000 for an additional three (3) consecutive calendar months. If the balance falls below $10,000 at any point during the additional three month period, you will not qualify for the $200 reward. Unless otherwise indicated, the $200 new eSA offer can be combined with other eSA offers.
Cash rewards will be deposited into qualifying accounts within seven (7) months after the month that you opened the accounts. CIBC reserves the right to end, cancel, change or suspend this offer or change these terms for any reason without notice. Other conditions apply; review the terms and conditions (PDF, 140 KB) Opens in a new window..
1 Enjoy a one-time rebate of up to $139 for the primary card holder and up to $50 for each authorized user (up to a maximum of 3 authorized users) added at the time of the application if you apply and are approved for one of the following eligible credit cards: CIBC Aventura® Visa Infinite*, CIBC Aventura® Gold Visa*, CIBC Dividend® Visa Infinite* and CIBC Dividend Platinum® Visa*. This offer does not apply to annual fees for authorized users that are added after you submit your application. Terms and conditions apply.
2 Entire monthly fee is rebated if you maintain a minimum end of day balance of $4,000 each day in this account. For details, review the CIBC Smart Account fee rebate terms and conditions, part of the Personal Account Service Fees (PDF, 200 KB) Opens in a new window..
3 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 personal bank account(s) and to your CIBC Personal Line(s) of Credit (except Interac e-Transfer service which will be treated as a transaction) and transfers to your CIBC Credit Card account(s). For all accounts, transfers to CIBC-branded loans (excluding CIBC Personal Lines of Credit), mortgages and investments (registered and non-registered) are free. “CIBC-branded” means any brand that has CIBC in its name. Other fees (in addition to any transaction fee) include: withdrawals from non-CIBC bank machines (for CIBC Smart Plus Accounts, the fee for all non-CIBC ATM withdrawals in Canada, the U.S. and internationally is rebated each month; for CIBC Smart Accounts and for clients enrolled in CIBC Smart Start or CIBC Smart for Students, the fee for 1 non-CIBC ATM withdrawal made in Canada is rebated each month), Interac e-Transfer® transactions (the Interac e-Transfer fee is waived for CIBC Smart Accounts, CIBC Smart Plus Accounts and for clients who are enrolled in CIBC Smart Start, CIBC Premium Growth Account with CIBC Advantage for Youth, CIBC Smart for Students, and CIBC Advantage for Students on the CIBC Everyday Chequing Account; clients 65 years of age and older do not pay the Interac e-Transfer fee on any CIBC chequing account) and foreign currency transactions (including cheques written in currencies other than the account currency).
4 Any free or unused transactions cannot be carried forward for use in subsequent months.
5 The additional $1.50 service fee is waived for sending Interac e-Transfer transactions. Each Interac e-Transfer transaction you send counts as a transaction for calculating your monthly fee. Maximum dollar amount applies for Interac e-Transfer transactions. For details, review the CIBC Interac e-Transfer Terms and Conditions (PDF, 135 KB) Opens a new window..
6 CIBC will rebate one non-CIBC ABM withdrawal fee charge; charges from the other financial institution may apply. Fees charged by other financial institutions or third parties for using their ATMs, and the 2.5% administration fee on the converted amount for foreign currency ATM withdrawals are not included in this feature and will be charged to your account. ATM withdrawal amounts may be limited to a maximum dollar withdrawal amount.
7 Available to clients who have:
- Non-registered accounts, except for the CIBC Bank USA Smart Account and CIBC Personal Lines of Credit (PLC) accounts;
- Eligible accounts that are in good standing; and
- A valid mobile number on file with those accounts
8 CIBC foreign exchange rates apply. A CIBC Global Money Transfer and a Foreign Exchange transaction counts towards your allowable transaction limit. Bank account transaction fees may apply. Must have a CIBC chequing account, savings account, eligible credit card or personal line of credit account to send a CIBC Global Money Transfer. Most transfers are completed within 1 to 3 business days. Only primary credit card cardholders can use their eligible credit card account to pay for the CIBC Global Money Transfer service.
Review the CIBC Global Money Transfer Agreement (135 KB, PDF) Opens in a new window..
9 Until age 25 and then regular Smart Account fees will apply.
10 Currently available on the CIBC Smart™ Account, CIBC Smart™ for Seniors, CIBC Smart™ for Newcomers and CIBC eAdvantage® Savings Account.
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