CIBC Bank USA Smart AccountTM

Ideal for frequent travellers who live and do business in the U.S. and want to transfer U.S. funds with real-time convenience and control.1

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Skip the currency conversion fees10

Pay U.S. bills, deposit and withdraw U.S. funds without worrying about conversion rates.

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Access your cash

Withdraw funds at ATMs in the U.S., including CIBC Bank USA ATMs.

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Move your money to the U.S. with ease

Use CIBC Online and Mobile Banking® to conveniently transfer funds in real time between your CIBC Canadian bank accounts and your CIBC Bank USA Smart Account.

CIBC U.S. Dollar Aventura® Gold Visa* Card

Ideal for those who shop a little or shop a lot in U.S. dollars. Skip the currency conversion fees and earn rewards on everyday U.S. purchases.2, 10

  • Get 1 Aventura® Point for every $2 you spend and earn up to 2,500 Aventura Points3, 4
  • Transfer your points between your CIBC U.S. Dollar Aventura Gold Visa Card and other Aventura personal and business products5
  • Save on car rentals with Auto Rental Collision and Loss Damage Insurance6

BUNDLE OFFER

Enjoy an annual fee rebate on your CIBC U.S. Dollar Aventura® Gold Visa* Card

You qualify for the offer if you have a CIBC US$ Personal Account or a CIBC Bank USA Smart Account, and a premium CIBC personal credit card.

APR: 19.99% (purchases), 22.99%11 (cash) | Annual fee: $35 US

CIBC US$ Personal Account

Ideal for those who receive U.S. funds, travel across the border and simply want to save in U.S. dollars.

  • Withdraw U.S. dollars from any CIBC Banking Centre or CIBC U.S. currency ATM without currency fluctuation
  • Transfer funds in real time to other CIBC accounts through online banking
  • Earn interest on every dollar saved7

BUNDLE OFFER

Get bonus interest on your savings◊◊

If you have both the CIBC US$ Personal Account and the CIBC Bank USA Smart Account, you’ll get an additional 0.50% interest on your CIBC US$ Personal Account.

Foreign National Residential Mortgage

Buying a second home in the U.S.? CIBC Bank USA offers expert advice and hands-on support to Canadians who want to finance a home across the border.12

  • Choose between fixed rate and adjustable rate to find a mortgage that fits your budget
  • Use your Canadian credit history to apply for U.S. credit and work with a team that knows Canadians
  • Pay down or pay off your mortgage without any penalty

Get protection when you cross the border

 Get custom travel advice. Learn more about our U.S. travel products, services and tips.


Frequently asked questions about the CIBC Bank USA Smart Account