CIBC Smart™ Plus Account
Fees and details

Coming soon

Exciting changes are coming to the CIBC Smart Plus Account, starting November 1, 2025.

Learn more about Smart Account updates.

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.

Important Information About Upcoming Changes to Bank Accounts and Fees Effective November 1, 2025 (PDF, 205 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™^,^ⓘ: