CIBC Smart™ Plus Account

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

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Transcriptfor the CIBC Smart Plus Account video.

Simplify your banking with one full-service account

Unlimited transactions¹including Interac e-Transfer® service²

Premium CIBC credit card with fee rebate

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

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.⁴

CIBC Smart Plus Account at a glance

Monthly fee

$29.95

$4.95 monthly fee discount for seniors

Daily balance to avoid monthly fee⁴

$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.

Person booking travel on a laptop using a CIBC travel credit card

Get a premium CIBC credit card

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

Choose from 6 premium CIBC credit cards or save on an eligible card you already have.⁵Learn about eligible credit cards. Opens a popup.

Additional banking services at no added cost

Enjoy free bank drafts, personalized cheques, money orders and stop payments⁶.Plus, if you get approved for CIBC Overdraft Protection Service (COPS)⁷, the COPS fee doesn't apply.

Man sitting on a couch in his living room using a tablet for mobile banking

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.⁴

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.