CIBC Smart™ Plus Account

Get a 12-month Skip+ free trial when you link your CIBC debit card with your Skip account^ⓘ

Plus, enjoy exclusive savings and rewards with your Skip+ membership.^ⓘ

Learn more About our partnership with Skip. Opens in a new window.

All-in-one banking that rewards you for your business

SPECIAL OFFER

Get $450^ⓘ cash

Open a CIBC Smart Plus Account as your first chequing account and complete the qualifying actions.^ⓘ

Learn more About this offer.

Get unlimited transactions^ⓘ, including Interac e-Transfer® service^ⓘ

Includes one eligible CIBC credit card with an annual fee rebate for the primary card holder and up to 3 authorized users^ⓘ Learn about eligible credit cards. Opens in a dialog.

No CIBC fee for ATM withdrawals worldwide^ⓘ or for CIBC Overdraft Protection Service^ⓘ

Enjoy free personalized cheques, bank drafts, money orders and stop payments on cheques and pre-authorized payments^ⓘ

CIBC Smart Plus at a glance

Fees

Monthly fee^ⓘ

If you meet the minimum daily balance requirements

or pay

$29.95

Monthly fee^ⓘfor clients 65 and older

If you meet the minimum daily balance requirements

or pay

$23.00

Daily balance to pay no monthly fee^ⓘ

$6,000

in your account

$100,000

in combined eligible savings and investments, including GICs

Fees and details

How do I qualify?

CIBC Smart Plus:

You’re a Canadian resident and you’ve reached the age of majority in your province or territory Learn about the age of majority in your province or territory. Opens in a dialog.

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.

CIBC Overdraft Protection Service:

You've reached the age of majority in your province or territory
You meet CIBC's standard credit criteria

Open an account

Learn how to switch to CIBC

Discover how easy it is to bank with us

Create healthier financial habits with CIBC Insights

Manage your daily spending and grow your savings with help from CIBC Insights — a tool included in the CIBC Mobile Banking App® that offers tailored tips based on your debit and credit card activity.

Learn about CIBC Insights

Get an alert before you're overdrawn

CIBC Smart Balance Alert™^,^ⓘ 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

Pay how you like

Checkout with our digital payment options, including Visa* Debit, Click to Pay^{^}, Google Pay™, Apple Pay® and Samsung Pay®.

Find a way to pay that suits you

Save up to 10 cents per litre on gas

Link your CIBC card with Journie Rewards to save on gas at participating Pioneer, Fas Gas, Ultramar and Chevron locations.

Learn more about Journie Rewards

Send money abroad

It's easy and secure, and the money will arrive in as little as one business day.^ⓘ

Learn more about CIBC Global Money Transfer™

More ways to pay

Make payments your way, online or on the go

Make payments in-store, in-app and online and internationally with your debit card or mobile wallet. Learn how to set up automatic bill payments for stress-free banking.

Learn about ways to pay

More ways to move money

Send, receive and deposit money — near or far

Whether you’re sending money across town or across the world, compare options like Interac e-Transfer®, wire transfers and Visa Direct. Plus, get paid faster with CIBC eDeposit® or direct deposit.

Learn about ways to move money

Use direct deposit

Have your paycheque or government payments deposited automatically into your account. Plus have full access to your money with no holds on funds.

Learn more about how to set up direct deposit.

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 many banking centres and ATMs conveniently located across Canada.

Find a CIBC branch or ATM Opens in a new window.

Pre-authorize your payments

Never miss a bill payment when you set up pre-authorized payments that are automatically debited from your chequing account.

Learn more about pre-authorized payments.

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?

Get in touch

Meet with us

Call us

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

CIBC Smart™ Plus Account

Get a 12-month Skip+ free trial when you link your CIBC debit card with your Skip accountⓘ

All-in-one banking that rewards you for your business

Get $450ⓘ cash

CIBC Smart Plus at a glance

Fees

Monthly feeⓘ

Monthly feeⓘ for clients 65 and older

Daily balance to pay no monthly feeⓘ

How do I qualify?

CIBC Smart Plus:

Select premium CIBC credit cards:

CIBC Overdraft Protection Service:

Discover how easy it is to bank with us

Create healthier financial habits with CIBC Insights

Get an alert before you're overdrawn

Pay how you like

Save up to 10 cents per litre on gas

Send money abroad

Make payments your way, online or on the go

Send, receive and deposit money — near or far

Use direct deposit

Bank your way

Pre-authorize your payments

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

Get in touch

Get a 12-month Skip+ free trial when you link your CIBC debit card with your Skip account^ⓘ

Get $450^ⓘ cash

Monthly fee^ⓘ

Monthly fee^ⓘfor clients 65 and older

Daily balance to pay no monthly fee^ⓘ