CIBC Smart® Account

Special offer

Bundle to earn up to $850^ⓘ,^ⓘ then add the CIBC Dividend® Visa Infinite* Card. Qualifying actions apply.^{†, ‡}

Learn more about the special offer for the CIBC Smart Account.

CIBC Smart Account at a glance

Enjoy more benefits with your CIBC Smart Account

Whether you're reaching new financial milestones or planning for your future, automatically unlock features and benefits through our banking tiers as your relationship with us grows.

Learn about CIBC Smart Account tiered banking

Discover ways to save with your chequing account

Monthly fee for up to 3 accounts^ⓘ, ^ⓘ: $16.95 or $0, monthly fee rebated with an end-of-day account balance of $4,000 each day for that month in one CIBC Smart Account
Opportunities for annual fee rebates on an active^ⓘ eligible^ⓘ credit card
Unlimited transactions^ⓘ, including Interac e-Transfer transactions^ⓘ

Access valuable financial services and tools

Create healthier financial habits with CIBC Insights
Spend, save, plan and budget smarter with the CIBC Smart Planner™
Get started on your financial planning with our specialized tools and calculators

Get extra perks with your everyday banking

Send money internationally with no transfer fee^ⓘ with CIBC Global Money Transfer™
Protect yourself from temporary cash shortfalls with CIBC Overdraft Protection Service
Get exclusive offers with our partners including Skip, Journie Rewards and Paymi

Refer a friend or family member and you’ll both get rewarded^ⓘ

Refer up to 50 friends each calendar year. Qualifying actions apply.^ⓘ

Learn more about the referral offer.

Get rewarded at every stage of life with CIBC Smart Account tiered banking

As you achieve your financial goals and move through our account tiers, you may be eligible for special features and benefits.

Learn more about how tiered banking works

Tier 1

$0 to $39,999 ― Average Monthly Balance in your personal deposit and investment holdings with CIBC Learn about eligible balances. Opens in a dialog.

You get:

Unlimited transactions^ⓘ, including Interac e-Transfer® transactions^ⓘ
Fee rebate for one non-CIBC ATM withdrawal in Canada each month^ⓘ^,^ⓘ

Monthly fee: $16.95 for up to 3 accounts^ⓘ^,^ⓘ or pay $0 after monthly fee rebate with an end-of-day account balance of $4,000 each day for that month in one CIBC Smart Account

Tier 2

$40,000 to $99,999 ― Average Monthly Balance in your personal deposit and investment holdings with CIBC Learn about eligible balances. Opens in a dialog.

You get:

Unlimited transactions^ⓘ, including Interac e-Transfer transactions^ⓘ
Unlimited fee rebates for non-CIBC ATM withdrawals worldwide^ⓘ
Credit card annual fee rebate of up to $50 for the primary cardholder^ⓘ

Monthly fee: $0 for up to 3 accounts^ⓘ^,^ⓘ

Tier 3

$100,000 or more ― Average Monthly Balance in your personal deposit and investment holdings with CIBC Learn about eligible balances. Opens in a dialog.

You get:

Unlimited transactions^ⓘ, including Interac e-Transfer transactions^ⓘ
Unlimited fee rebates for non-CIBC ATM withdrawals worldwide^ⓘ
Credit card annual fee rebate of up to $139 for the primary cardholder; up to $50 each for up to 3 authorized users^ⓘ
Waived Monthly Fixed Fee^ⓘ for CIBC Overdraft Protection Service on up to 3 CIBC Smart Accounts^ⓘ
Unlimited fee rebates for stop payments on cheques and pre-authorized payments^ⓘ

Monthly fee: $0 for up to 3 accounts^ⓘ^,^ⓘ

No monthly account fee for youth and students under 25^ⓘ, students age 25 and up^ⓘ, seniors^ⓘ, newcomers^ⓘ, foreign workers^ⓘ, RDSP beneficiaries and recipients of the Disability Tax Credit. Applies to all CIBC Smart Accounts, no minimum balance required.^ⓘ

Find the right CIBC Smart Account benefit for you

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

CIBC Smart® Account

CIBC Smart Account at a glance

Enjoy more benefits with your CIBC Smart Account

Discover ways to save with your chequing account

Access valuable financial services and tools

Get extra perks with your everyday banking

Refer a friend or family member and you’ll both get rewarded^ⓘ