Seniors

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Enjoy Smart for Seniors with any of these accounts:

The perfect account for your everyday banking needs.

CIBC Smart™ Account

Earn $300* when you open an account

$4.95 monthly fee discount

Free bank drafts and money orders

Interest
N/A

Transactions
With the monthly fee discount pay no monthly fee for up to 12 transactions, $1.25 for each additional transaction over 12, to no more than a $10.00 capped monthly fee for unlimited transactions

Sending money through Interac e-Transfer^®
Free

Receiving money through Interac e-Transfer
Free

Non-CIBC bank machine withdrawal²
$2.00 each

Account inquiries
Free

Apply now

Get your savings started with competitive interest.

CIBC Premium Growth Account™

No monthly fee

Two free transactions¹ per month

Free bank drafts and money orders

Interest
RDS%rate[3].CBPGA.Published(null,0.0_and over_0.0_CAD_Balance,1,1)(#O2#)%
All ratesfor bank accounts

Monthly fees
None

Transactions
Two free transactions per month
$1.50 for each additional transaction

Sending money through Interac e-Transfer
$1.50 each plus transaction fee, if applicable

Receiving money through Interac e-Transfer
Free

Non-CIBC bank machine withdrawal²
$2.00 each
plus transaction fee if applicable

Account inquiries
Free

Apply now

The ideal account for your US dollar transactions.

CIBC US$ Personal Account

No monthly fee

Two free transactions¹ per month

Free bank drafts and money orders

Interest
Up to RDS%rate[3].CUPA.rate(null,25000.0_-_59999.99_CAD_Balance,1,2)(#O2#)%
All ratesfor bank accounts

Monthly fees
None

Transactions
Two free transactions
per month. $0.75 US for each additional transaction

Sending money through Interac e-Transfer
N/A

Receiving money through Interac e-Transfer
N/A

Non-CIBC bank machine withdrawal²
N/A

Account inquiries
Free

Apply now

Compare accounts

The following benefits are also available for Smart for Seniors:

But that's not all. You'll also get:

A discount on a safety deposit box
Enjoy $5 off annual rental charge for a safety deposit box (any size, subject to availability).

Paperless record-keeping³Less paper, less waste. Easily track your records online, free for each of your accounts.

The CIBC Advantage Debit Card^®Enjoy the convenience of the CIBC Advantage Debit Card. Get 24-hour access to your account through CIBC branches, bank machines, telephone banking, online banking and mobile banking.

Better ways to bank with CIBC

Convenient

Bank when you like - we're open longer at many of our 1,100+ banking centres

Innovative

Bank on the go, with award-winning mobile and online access

Accessible

One of the largest bank machine networks in Canada for quick and easy access to your cash

Total solutions

Reduce your fees and make the most of your accounts with CIBC Banking Bundles⁴

Get started

Call us: 1-866-525-8622

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This is a general description only. Get complete information about fees.

* Offer begins on May 1, 2018 at 12:01 am (ET) and ends on August 31, 2018 at 11:59 pm (ET). Offer only open to Canadian residents (i) who have reached the age of majority; (ii) who are not holders or joint holders of a CIBC chequing account and; (iii) who have not previously received a CIBC chequing account promotional offer from 2015 to present time. To qualify, open a CIBC Smart™ Account and provide a valid email address. Next, within 3 calendar months, you must set up and complete within the CIBC Smart Account at least one (1) eligible recurring direct deposit OR at least two (2) different eligible recurring pre-authorized debits within the same calendar month. Offer cannot be combined with any other offer, reward or rebate except the CIBC Homeowner^® Banking Bundle or the CIBC Smart™ Account fee waiver. The cash reward will be deposited into your CIBC Smart Account within 12-16 weeks of your completion of the required transactions. Other conditions apply. For full offer details, visit a CIBC Banking Centre or review the Terms and conditions (PDF, 45 KB) .

¹ A transaction includes cheques, withdrawals, transfers, pre-authorized payments, bill payments (including CIBC Credit Cards and CIBC Personal Lines of Credit) and debit purchases. For CIBC eAdvantage Savings Accounts, a transaction does not include transfers to your other CIBC bank account(s) using the transfer function on CIBC Online Banking, CIBC Mobile Banking, CIBC Telephone Banking and at CIBC ATMs. For all accounts, transfers to CIBC-branded loans (excluding CIBC Personal Lines of Credit), mortgages and investments (registered and non-registered) are free. Other fees (in addition to any transaction fee) include: withdrawals from non-CIBC bank machines, Interac e-Transfer transactions (the Interac e-Transfer fee is waived for CIBC Smart Accounts, CIBC PremierService Accounts and for clients who are enrolled in CIBC Advantage for Youth, CIBC Smart for Students, CIBC Smart for Seniors (on the CIBC Smart Account) and CIBC Advantage for Students (on the CIBC Everyday Chequing Account) and transactions in foreign currency (including cheques written in currencies other than the account currency).

² Domestic withdrawals only.

³ "Paperless" record keeping is a paper-free alternative to statements and bankbooks. This option enables customers to track account activity online or by phone or CIBC bank machine. Please note, no electronic or printed statements will be sent to customers selecting this option. Customers must review their account transactions through CIBC Online or Mobile Banking, CIBC Telephone Banking or CIBC bank machines at least once every 30 days and examine all entries and balances at that time. If there are any errors, omissions or irregularities, customers must notify CIBC in writing within 60 days after the date on which the entry was, or should have been, posted to the account. Banking activity that occurred prior to Online Banking registration will not be available in the Online or Mobile Banking transaction history.

⁴ To qualify for the CIBC Banking Bundles, you need to have an eligible CIBC Mortgage or Secured Line of Credit, a CIBC Investment and either a CIBC Credit Card or Creditor Insurance.

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CIBC Smart™ for Seniors

Better ways to bank with CIBC

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