An easy way to manage your U.S. funds

Convert less, save more

Earn interest on every dollar you save1

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#)%1

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



$0.75 US

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™.

Learn about cross-border banking for CIBC clients

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.

Find a CIBC branch or ATM Opens in a new window.

Get an alert before you’re overdrawn

CIBC Smart Balance Alert™, 3 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


Get custom travel tips


Plan for retirement

How to

Send money with Interac e-Transfer®