CIBC Smart™ Plus Account

Get all-in-one banking and over $500^◊ in value annually on everyday banking services.

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Simplify your banking with one full-service account

Special offer

Get $300^† with a CIBC Smart™ Plus Account

Plus, enjoy all-in-one banking with over $500 in value.^◊ Apply in 5 minutes!

Learn more about the CIBC Smart Plus Account.

Pay no monthly fee with minimum Savings and Investment balances¹

Unlimited transactions²including Interac e-Transfer® service³

Save up to $289⁴ on annual credit card fees

No CIBC fee for ATM withdrawals worldwide⁵

CIBC Overdraft Protection Service fee is included⁶

CIBC Smart Plus Account at a glance

Monthly fee¹

$29.95

$4.95 monthly fee discount for clients 65 years or older

Daily balance for no monthly fee¹

$6,000

$100,000

in eligible Savings and Investments

Free Interac e-Transfer® service³

Pay no service fee and send money quickly, easily and securely

Transactions²

Unlimited

Fees and details

How do I qualify?

CIBC Smart Plus 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.

Select premium CIBC credit cards:

You've reached the age of majority in your province or territory
You meet CIBC’s credit card eligibility requirements Opens a new window.

Apply in 5 minutes

Learn how to switch to CIBC

Save on fees with all-in-one banking

Use your debit card wherever you go

Enjoy unlimited ATM withdrawals in Canada, the U.S. and internationally.⁵ Plus, unlimited debit purchases and Interac e-Transfer transactions³.

Receive an annual rebate on a premium CIBC credit card

Save up to $139 on the annual fee for your primary credit card and up to $50 each for 3 additional cardholders. That’s a total savings of up to $289⁴.

Choose from 7 premium CIBC credit cards or save on an eligible card you already have.⁷Learn about eligible credit cards. Opens a popup.

Additional banking services at no added cost

Enjoy free bank drafts, personalized cheques, money orders and stop payments⁸.Plus, if you get approved for CIBC Overdraft Protection Service (COPS)⁶, the COPS fee doesn't apply.

Pay no monthly fee

Receive an automatic rebate of your monthly fee when you maintain a minimum daily balance of $6,000 in your account or $100,000 in eligible Savings and Investments during the month.¹

Save while you spend

Keep more money in your pocket with rewards and discounts:

Journie Rewards: Accelerate your savings with up to 10 cents off per litre on gas

Paymi: Get money back with your CIBC cards and Paymi

SPC (for students): Student deals and discounts with SPC and CIBC

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.

Get an alert before you’re overdrawn

CIBC Smart Balance Alert™, ⁹ 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

Help and advice

Advice

Plan for retirement

^{It's never too early to start planning and saving so you can retire comfortably.}

Learn more

How to

Get expert advice

^{Invest in yourself with expert guidance. We can help steer your finances in the right direction.}

Learn more

How to

Send money with Interac e-Transfer

^{It's easy and secure to send cash and request money from others. Register for Autodeposit and skip answering security questions.}

Learn more

Questions?

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Need to talk?

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

CIBC Smart™ Plus Account

Simplify your banking with one full-service account

Get $300† with a CIBC Smart™ Plus Account

CIBC Smart Plus Account at a glance

Monthly fee1

Daily balance for no monthly fee1

Free Interac e-Transfer® service3

Transactions2

How do I qualify?

CIBC Smart Plus Account:

Select premium CIBC credit cards:

Save on fees with all-in-one banking

Use your debit card wherever you go

Receive an annual rebate on a premium CIBC credit card

Additional banking services at no added cost

Pay no monthly fee

Save while you spend

Bank your way

Get an alert before you’re overdrawn

Help and advice

Lost, stolen or damaged cards

Report fraud

Resources

Advice

Plan for retirement

How to

Get expert advice

How to

Send money with Interac e-Transfer

Need to talk?

Get $300^† with a CIBC Smart™ Plus Account

Monthly fee¹

Daily balance for no monthly fee¹

Free Interac e-Transfer® service³

Transactions²