Accessibility Quick Links
An easy way to manage your U.S. funds
Convert less, save more
Earn interest on every dollar you saveⓘ
Access your U.S. dollars quickly and easily
Rates and fees
Regular Interest rate
RDS%rate[3].CUPA.rate(null,0.0_up to_2999.99_CAD_Balance,1,1)(#O2#)% to RDS%rate[3].CUPA.rate(null,60000.0_and over_0.0_CAD_Portion,1,1)(#O2#)%ⓘ
Regular interest rates are tiered. The rate shown in the highest tier is only earned on the portion of the daily balance that is at or above that tier.
Monthly fee
$0
How do I qualify?
CIBC US$ Personal Account:
Save your U.S. dollars and avoid currency fluctuation when you travel or shop across the border
Watch your savings grow
Earn interest on every U.S. dollar you save. Plus, control when you convert funds by waiting for favourable exchange rates.
Explore cross-border banking
Make real-time cross-border transfers between your Canada-based accounts and the CIBC Bank USA Smart Account™.
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 many banking centres and ATMs conveniently located across Canada.
Get an alert before you’re overdrawn
CIBC Smart Balance Alert™, ⓘ 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.
Other U.S. banking services for Canadians
Learn more about our other U.S. cross-border banking solutions
Help and advice
Lost, stolen or damaged cards
Report fraud
1-800-465-2422Opens your phone app.
(Canada and U.S.)
902-420-2422Opens your phone app.
(Elsewhere)
Advice
Get custom travel tips
Advice
Plan for retirement
How to
Send money with Interac e-Transfer®
