CIBC Smart™ Plus Account

Keep it simple with all-in-one banking for a flat monthly fee.

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Simplify your banking with one full-service account

Special offer

Earn $300^‡ when you open a new account

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

Learn more about this offer

Unlimited transactions¹including Interac e-Transfer® service²

Premium CIBC credit card with fee rebate

Unlimited ATM withdrawals in Canada, the U.S. and internationally³

CIBC Overdraft Protection Service fee is included⁴

Combine your day-to-day banking and credit card needs into one full-service account. Get a full rebate of your monthly fee when you meet a minimum balance each day of the month.⁵

CIBC Smart Plus Account at a glance

Monthly fee

$29.95

$4.95 monthly fee discount for seniors

Daily balance to avoid monthly fee⁵

$6,000

$100,000

in Savings and Investments

Interac e-Transfer
transactions

No transfer fee²

Transactions¹

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 haven't declared bankruptcy within the last 7 years, and you meet the other CIBC credit card eligibility requirements

Apply now

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.³ Plus, unlimited debit purchases and Interac e-Transfer transactions².

Get a premium CIBC credit card

Save up to $120 on the annual fee for your primary credit card and up to $50 each for 3 additional cardholders.

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)⁴, the COPS fee doesn't apply.

Get a monthly fee rebate

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 Savings and Investments during the month.⁵

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™, ⁵ 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?

Get in touch. We're here to help

Meet with us

Call us

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

CIBC Smart™ Plus Account

Simplify your banking with one full-service account

Earn $300‡ when you open a new account

CIBC Smart Plus Account at a glance

Monthly fee

Daily balance to avoid monthly fee5

Interac e-Transfer transactions

Transactions1

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

Get a premium CIBC credit card

Additional banking services at no added cost

Get a monthly fee rebate

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?

Earn $300^‡ when you open a new account

Daily balance to avoid monthly fee⁵

Interac e-Transfer
transactions

Transactions¹