Save without the effort. Set yourself up for the future with an account that makes it easier to save more every day.

How your savings accelerate over time

Get closer to your goals with savings that continue to grow.

Account balance over 5 years

Your initial account balance:
$5,000 

Your monthly savings contribution:
$200

Your savings growth value after 5 years: 
$18,156

For illustrative purposes only. Calculation includes Regular Interest and Smart Interest based on current rates. Rates may change at any time without prior notice.

Graph showing the account balance growth over 5 years. Final balance: $17,712.

Learn how this account makes saving easier

Rates and fees

Regular Interest rate2

RDS%rate[3].CESA.Published(null,0.0_up to_4999.99_CAD_Balance,1,1)(#O2#)%

Earn competitive interest on

every dollar

Smart Interest rate1

RDS%rate[3].CESA.Published(null,0.0_up to_200000.0_CAD_Smart Int,1,1)(#O2#)%

Get rewarded with additional interest on account balances up to $200,000 when you save $200 or more in any month. Limits apply.

Monthly fee

$0

Transactions3

$5.00each

How do I qualify?

How can I save on fees?

 New feature

Get digital access within minutes7

Saving more is easy

Reach your savings goals sooner

Set up automatic transfers with AutoSave in less than 1 minute and quickly turn a little into a lot. Transferring money is free between your CIBC personal bank accounts.4

Learn how to make transfers

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 nearly 4,000 ATMs across Canada.

Get expert advice

Invest in yourself with expert guidance. We can help steer your finances in the right direction.

Learn about our expert advice

Deposit cheques in a snap

Use your mobile device to deposit personal or business cheques.5

Learn about CIBC eDeposit®

Get an alert before you’re overdrawn

CIBC Smart Balance Alert™, 6 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.

How to

Save on bank account fees

Retired couple sits together on a tropical beach

Advice

Plan for retirement

Dollar bill folded into a paper plane flying through the sky

How to

Transfer your money

Your Smart Interest questions answered