CIBC Smart Account at a glance

Enjoy more benefits with your CIBC Smart Account

Whether you're reaching new financial milestones or planning for your future, automatically unlock features and benefits through our banking tiers as your relationship with us grows.

Discover ways to save with your chequing account

  • Monthly fee for up to 3 accountsⓘ, ⓘ: $16.95 or $0, monthly fee rebated with an end-of-day account balance of $4,000 each day for that month in one CIBC Smart Account  
  • Opportunities for annual fee rebates on an activeⓘ eligibleⓘ credit card  
  • Unlimited transactionsⓘ, including Interac e-Transfer transactionsⓘ 

Access valuable financial services and tools

Get extra perks with your everyday banking

Get rewarded at every stage of life with CIBC Smart Account tiered banking

Learn more about how tiered banking works

Tier 1
  • Monthly fee for up to 3 accountsⓘ, ⓘ: $16.95 or $0, monthly fee rebated with an end-of-day account balance of $4,000 each day for that month in one CIBC Smart Account  
  • Transactionsⓘ : Unlimited, including Interac e-Transfer transactionsⓘ
  • ATM fees: Fee for one non-CIBC ATM withdrawal in Canada is rebated each monthⓘ, ⓘ

Tier 2
  • Monthly fee for up to 3 accountsⓘ, ⓘ: $0 
  • Transactionsⓘ: Unlimited, including Interac e-Transfer transactionsⓘ
  • ATM fees: Fees for unlimited non-CIBC ATM withdrawals in Canada, the U.S. and internationally are rebated each monthⓘ 
  • Credit card annual fee rebate: Up to $50 for the primary cardholderⓘ 

Tier 3
  • Monthly fee for up to 3 accountsⓘ, ⓘ: $0  
  • Transactionsⓘ : Unlimited, including Interac e-Transfer transactionsⓘ
  • ATM fees: Fees for unlimited non-CIBC ATM withdrawals in Canada, the U.S. and internationally are rebated each monthⓘ
  • Credit card annual fee rebate: Up to $139 for the primary cardholder; up to $50 each for up to 3 authorized usersⓘ
  • CIBC Overdraft Protection Service: Monthly Fixed Feeⓘ is not applied on up to 3 CIBC Smart Accountsⓘ 

No monthly account fee for youth and students under 25ⓘ, students age 25 and upⓘ, seniorsⓘ, newcomersⓘ, foreign workersⓘ, RDSP beneficiaries and recipients of the Disability Tax Credit. Applies to all CIBC Smart Accounts, no minimum balance required.ⓘ

Find the right CIBC Smart Account benefit for you

Youth and students under 25

Get unlimited everyday banking until the age of 25ⓘ. 

Students age 25 and up

Unlimited banking for full-time university, college and CEGEP students graduating at age 25 and upⓘ.  

New to Canada

Start banking in Canada with the account designed for your new life and pay no monthly fee for 2 yearsⓘ.  

Foreign workers

Live and bank in Canada with confidence and pay no monthly fee for 2 yearsⓘ.  

Seniors Skip to the for spending tab on the banking for seniors page to learn more about CIBC Smart for Seniors.

Pay no monthly account fee if you're over 65ⓘ.   

Skilled trades

Take advantage of offers and perks for eligible tradespeople.  

Looking for a basic, non-tiered account? Check out the CIBC Everyday® Chequing Account.

Help and advice

Find the support you need

Discover answers to frequently asked questions or find the right number so we can support you.

Learn how to manage your banking

We have how-to guides for you. Check out what you can do on your computer, phone or tablet.

Understand how to save on account fees

Learn tips to ensure you find the right account, including options to help you reduce your everyday banking fees.

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