CIBC Smart™ Plus Account

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

Play the video to learn about the Smart Plus Account (1:46)Opens in a popup.

Transcriptfor the CIBC Smart Plus Account video. Opens a new window in your browser.

Simplify your banking with one full-service account

Digital exclusive offer

Get $350^‡ when you open your first chequing account

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

Apply in 5 minutes for the CIBC Smart Plus Account. Opens in a new window.

Unlimited transactions¹including Interac e-Transfer® service²

Save up to $270³ on annual credit card fees

No CIBC fee for ATM withdrawals worldwide⁴

CIBC Overdraft Protection Service fee is included⁵

Combine your day-to-day banking and credit card needs into one full-service account. CIBC Smart Plus Account rewards you for your business by giving you 2 convenient options to save on the monthly account fee.⁶

CIBC Smart Plus Account at a glance

Monthly fee

$0⁶

$29.95

$4.95 monthly fee discount for clients 65 years or older

Daily balance for no monthly fee⁶

$6,000

$100,000

in eligible Savings and Investments

Free Interac e-Transfer® service

Pay no service fee² and send money quickly, easily and securely

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 meet CIBC’s credit card eligibility requirements

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.⁴ 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. That’s a total savings of up to $270³.

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.

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.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™, 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?

Top bank account questions Opens a new window in your browser.

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

Get $350‡ when you open your first chequing account

CIBC Smart Plus Account at a glance

Monthly fee

Daily balance for no monthly fee6

Free Interac e-Transfer® service

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

Pay no monthly fee

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 $350^‡ when you open your first chequing account

Daily balance for no monthly fee⁶

Transactions¹