CIBC Smart™ Plus Account
Fees and details

The total fee you pay is made up of 3 things:

Your account's monthly fee and transactions
Record keeping fees
Fees for any additional banking services you use, such as wire payments and CIBC Overdraft Protection Service

Download full documentation:

Personal Account Service Fees (PDF, 210 KB) Opens in a new window.

CIBC Global Money Transfer Agreement (PDF, 100 KB) Opens in a new window.

CIBC Smart Plus Account Fee Rebate Terms and Conditions (PDF, 115 KB) Opens in a new window.

CIBC Smart Plus Credit Card Annual Fee Rebate Terms and Conditions (PDF, 85 KB) Opens in a new window.

Monthly fee and transactions^ⓘ

$29.95 per month for unlimited transactions

Get a full 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^ⓘ

Fee for additional transactions:

$0

What counts as a transaction:

Debit purchases
CIBC withdrawals (including CIBC ATM)
Interac e-Transfer® transactions
Transfers

Cheques
Pre-authorized payments
Bill payments

Record keeping fees

Paperless statements^ⓘ:

Free

Paper statements:

Monthly

$2.25 each month

Quarterly

$0.75 each month

Monthly with cheques imaged^ⓘ

$2.75 each month

Interim Learn about interim statements. Opens a popup.

$4.50 each

Additional copy of statement

$5.00 each

Additional banking services

Interac e-Transfer service:

Sending

No transfer fee^ⓘ

Receiving

Free

Non-CIBC ATM withdrawals^ⓘ:

In Canada

Unlimited

In the U.S. (Plus*and other Visa* networks)

Unlimited

Outside Canada and the U.S. (Plus* and other Visa* networks)

Unlimited

CIBC Global Money Transfer™^,^ⓘ:

Learn about CIBC Global Money Transfer

Overdraft protection:

CIBC Overdraft Protection Service fee doesn't apply for CIBC Smart Plus Account.^ⓘ

Learn about CIBC Overdraft Protection Service

Other services included:

Bank drafts, personalized cheques, money orders and stop payments^ⓘ included for CIBC Smart Plus Account

Other fees:

For details about fees for NSF, wire payments, safety deposit boxes, account closing and account transfers to other financial institutions, review additional service fees.

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

CIBC Smart™ Plus Account Fees and details

Monthly fee and transactionsⓘ

Fee for additional transactions:

$0

What counts as a transaction:

Record keeping fees

Paperless statementsⓘ:

Paper statements:

Additional banking services

Interac e-Transfer service:

Non-CIBC ATM withdrawalsⓘ:

CIBC Global Money Transfer™, ⓘ:

Overdraft protection:

Other services included:

Other fees:

CIBC Smart™ Plus Account
Fees and details

Monthly fee and transactions^ⓘ

Paperless statements^ⓘ:

Non-CIBC ATM withdrawals^ⓘ:

CIBC Global Money Transfer™^,^ⓘ: