Wondering what you'll pay for CIBC Smart Start?

Personal Account Service Fees (PDF, 425 KB) Opens a new window.

CIBC Global Money Transfer™ Agreement (PDF, 150 KB) Opens a new window.

Explore CIBC Smart Start fees

Features

Tier 1

$0 to $39,999 in average monthly eligible balances  Learn about eligible balances. Opens in a dialog.

Tier 2

$40,000 to $99,999 in average monthly eligible balances  Learn about eligible balances. Opens in a dialog.

Tier 3

$100,000 or more in average monthly eligible balances  Learn about eligible balances. Opens in a dialog.
Monthly fee Pay $0 until age 25ⓘ Pay $0 until age 25ⓘ Pay $0 until age 25ⓘ
Transactionsⓘ  Learn about transactions. Opens in a dialog. Unlimited Unlimited Unlimited
Interac e-Transfer® transactionsⓘ Unlimited Unlimited Unlimited
ATM fees Fee for one non-CIBC ATM withdrawal in Canada is rebated each monthⓘ, ⓘ. Fees for unlimited non-CIBC ATM withdrawals in Canada, the U.S. and internationally are rebated each monthⓘ.  Fees for unlimited non-CIBC ATM withdrawals in Canada, the U.S. and internationally are rebated each monthⓘ.
Credit card annual fee rebate No annual fee rebate. Annual fees vary depending on selected CIBC credit card. Up to $50 for the primary cardholderⓘ. Up to $139 for the primary cardholder; up to $50 each for up to 3 authorized usersⓘ.
CIBC Overdraft Protection Service (COPS) Two COPSⓘ options are available for a fee: Monthly Fixed Fee and Pay Per Use.

Learn more 		 Two COPSⓘ options are available for a fee: Monthly Fixed Fee and Pay Per Use.

Learn more		 Monthly Fixed Feeⓘ is not applied on up to 3 CIBC Smart Accounts.ⓘ

Additional fees and banking services

Record keeping fees

Paperless statementsⓘ: Free

Paper statements:

 

Other fees

For details about fees for cheques, money orders and bank drafts, stop paymentsⓘ, NSF, wire payments, safety deposit boxes, account closing and account transfers to other financial institutions, review additional service fees.

 

Learn more about other banking services

CIBC Global Money Transfer

CIBC Foreign Cash

CIBC Overdraft Protection Service

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