Wondering what you'll pay for a CIBC Smart Account?
Personal Account Service Fees (PDF, 425 KB) Opens a new window.
CIBC Global Money Transfer™ Agreement (PDF, 150 KB) Opens a new window.
Explore CIBC Smart Account fees
Features |
Tier 1 $0 to $39,999 in average monthly eligible balances Learn about eligible balances. Opens in a dialog. |
Tier 2 $40,000 to $99,999 in average monthly eligible balances Learn about eligible balances. Opens in a dialog. |
Tier 3 $100,000 or more in average monthly eligible balances Learn about eligible balances. Opens in a dialog. |
|---|---|---|---|
| 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. | $0 | $0 |
| Transactionsⓘ Learn about transactions. Opens in a dialog. | Unlimited | Unlimited | Unlimited |
| Interac e-Transfer® transactionsⓘ | Unlimited | Unlimited | Unlimited |
| ATM fees | Fee for one non-CIBC ATM withdrawal in Canada is rebated each monthⓘ, ⓘ. | Fees for unlimited non-CIBC ATM withdrawals in Canada, the U.S. and internationally are rebated each monthⓘ. | Fees for unlimited non-CIBC ATM withdrawals in Canada, the U.S. and internationally are rebated each monthⓘ. |
| Credit card annual fee rebate | No annual fee rebate. Annual fees vary depending on selected CIBC credit card. | Up to $50 for the primary cardholderⓘ. | Up to $139 for the primary cardholder; up to $50 each for up to 3 authorized usersⓘ. |
| CIBC Overdraft Protection Service (COPS) | Two COPSⓘ options are available for a fee: Monthly Fixed Fee and Pay Per Use. Learn more |
Two COPSⓘ options are available for a fee: Monthly Fixed Fee and Pay Per Use. Learn more |
Monthly Fixed Feeⓘ is not applied on up to 3 CIBC Smart Accountsⓘ. |
Additional fees and banking services
Other fees
For details about fees for cheques, money orders and bank drafts, stop paymentsⓘ, NSF, wire payments, safety deposit boxes, account closing and account transfers to other financial institutions, review additional service fees.
Learn more about other banking services
